Go Dutch, splash out, save penny – stroke of luck! (7)

I believe the answer is:

godsend

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'stroke of luck' is the definition.
(I've seen this before)

'go dutch splash out' is the wordplay.
'dutch' becomes 'd' (common abbreviation).
'splash out' becomes 'send' (I am not sure about this - if you are sure you should believe this answer much more).
'go'+'d'+'send'='GODSEND'

'save penny' is the link.
This may not be correct. Some or all of it may be part of another bit of the clue.

Can you help me to learn more?

(Other definitions for godsend that I've seen before include "Something unexpected but welcome" , "Very helpful thing" , "Welcome good fortune" , "Dog's den (anag.)" , "Lucky find" .)

I've seen this clue in The Everyman puzzle in The Observer.

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