<prompt> Human: It still sort of pains me to live more frugally right now in order to put money into retirement accounts and long term investments, so I like to imagine that Im taking that money and just putting it into a time machine that is instantly being sent to retirement age me. And I imagine how psyched an older and more tired version of myself will be when the doors of that money-stuffed Delorean swing open. Do you have any mental tricks you play with yourself to help you save?  <response>: My best trick is to hide money from myself via direct deposit - if I have cash automatically getting sent over to savings and retirement accounts vs my checking account its like the money never existed in the first place. 