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蓄える
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Setting stuff aside for a rainy day. Used about good things. Also – in contrast to 貯める、 蓄えるis used about important things:bears accumulating winter fat for their hibernation. One’s retirement nest egg.
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蓄積
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Accumulate. Used about bad things mostly – bills or stress pile up. But it also can be good, like the compound interest or accumulated knowledge.
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貯める
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Store up unimportant things; things that you didn’t deliberately seek out but accumulated nonetheless:change from your couch cushions. “I left the bathtub full for you if you want to use it.”
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留まってきた
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Half-done things pile up. Always bad. Bills, two weeks’ worth of half-done homework that is all due tomorrow, ohhhh shiiiiittt!!!
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滞る
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Unlike 留まってきた (weeks or months worth of stuff piling up)、 滞る is used about bad things that are piling up right now:traffic jams, delays. The idea of 滞る is that things which are currently in progress. . . .don’t progress.
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重なる
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Used when a series of bad things happen to you. It never rains but it pours. Yesterday my boyfriend dumped me, then I lost my cell phone, and now I just lost $200 playing pachinko.
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積重ねる
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A super-strong version of 重なる。 積み重ねる is like, you have such bad luck you’re suicidal.
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KANJIDAMAGE