<prompt> Human: I mustve read a million times that diversification is the only free lunch, but recently I read a comment that mentioned two other free lunches. So now Ive got three free lunches! Can anyone add some more free lunches to this list?1. Diversification2. lower fees for the same product. IE one index etf has an expense of .56 and another etf for the same index has an expense ratio of .153. Tax deferred or tax advantaged account. Thanks in advance.  <response>: I would argue that none of these are free lunches.1. A lunch where the food doesnt suck but isnt great; and is relatively free of choking hazards.2. A lunch purchased with a 7337; off coupon. No guarantees youll like the food though.3. A sit down lunch where someone else picks up the tip. 