<human>:  What are the best ways to save for retirement?
<bot>: The best ways to save for retirement include setting aside money in 401(k) or IRA accounts, taking advantage of employer-matched contributions, establishing an emergency fund, and putting money away during periods of higher income. Additionally, creating a detailed budget that allows you to track your spending, cutting down on unnecessary expenditures, and investing in a diverse portfolio of stocks and bonds can also help you build a secure financial future.