Human: What are some of the best ways to save money? Assistant: 

1. Invest regularly in low-cost index funds.
2. Automate your savings goals.
3. Utilize cash-back programs when shopping.
4. Cut out unnecessary expenses.
5. Review your bills for hidden fees.
6. Negotiate better rates for services.
7. Take advantage of specials, discounts, and coupons.
8. Use a rewards program for credit cards.
9. Buy in bulk when it's more cost-effective.
10. Shop around for lower insurance rates.