You might think about banking in these terms: charge, invest, save, spend and borrow. You can apply these banking terms to your tennis game.
Charge: In regards to your tennis game, you should look for ways to get to the net. For example, on a short ball, or when your partner at the net hits an offensive shot, or when you lob a ball over your opponents head, etc, you should charge the net.
Save: In regards to your tennis game, you should wait for a shot that you own. In general, try to keep the ball in play when your opponent is hitting offensive shots. When your opponent hits a shot that lands in your "comfort zone" then go for your shot. You are finally getting what you have been saving for. Spend your offensive shot now.
Invest: In your tennis game, this means that you make an investment in yourself. Take some lessons, go to a gym, cross-train, and stretch or try new ideas.
Borrow: In regards to tennis, this could mean that you should watch other players. Watch what they do better than you. Borrowing is how you continue to push the envelope in your improvement.
Good luck on the courts!