<human>:  What is the best way to save money while still investing in a retirement plan?
<bot>: The best way to save money when investing in a retirement plan is to start early, automate your contributions, and take advantage of employer-match contributions, if available. You can also consider a lower-cost retirement account, such as a Roth IRA or a 401(k). If your employer offers a 401(k) plan with low fees, you can opt for that over other investment accounts. Additionally, look into lower-cost funds with no load or transaction charges and make sure to diversify your portfolio to reduce your risk. Finally, adjust your contributions and investments to meet changes in your income level.