Saving Strategies - The envelope method helps limit spending by making it feel like you're actually spending money [2] - Paying in cash can lead to spending less and knowing where every dollar is going, aiding in mental tracking and guideline creation [3] - AI tools, including robo advisors, simplify saving, especially for those who find it difficult or don't understand the process [5][6] - Robo advisors automate savings, allowing users to invest without manual intervention [6] Saving Challenges - Savings challenges can be effective in the short term [7] - It's important to have a goal behind saving, not just saving for the sake of it [8]