24 years ago, I read a fiction book based loosely on the book of Job. I can remember the main character was sent to parallel universes, in which he stayed the same person, but had to start over again each time, and took to wearing a gold necklace, so that he could pawn/sell each time to get him set up.
Could this be JOB: A Comedy of Justice by Robert Heinlein (from 1984)? The story is described as being loosely based on the Book of Job.
Whenever they manage to make some stake, an inconveniently timed change into a new alternate reality throws them off their stride (once, the money they earned is left behind in another reality; in another case, the paper money earned in a Mexico which is an empire is worthless in another Mexico which is a republic). These repeated misfortunes, clearly effected by some malevolent entity, make the hero identify with the Biblical Job.
The main character shifts between alternate worlds and tries, where possible, to get hold of hard currency (gold and silver) as it's much more useful than paper money. No mention of necklaces though.
Example: I had figured out that, while paper money was never any good after a world change, hard money, gold and silver, would somehow be negotiable, as bullion if not coin. So, when I got a chance to lay hands on hard money, I was stingy with it and refused to take paper money in change for hard money.