<human>:  What are the best strategies for saving money for retirement?
<bot>: The best strategies for saving money for retirement are to start investing as early as possible, establish a diversified portfolio, create a budget and make regular contributions, set achievable goals, and develop an emergency fund. It is also important to understand the differences between tax-deferred and tax-free retirement accounts, and to make informed decisions about when to start taking Social Security benefits. Additionally, it is wise to review your plans periodically and adjust them as needed.