<prompt> Translate the following text to EnglishNyumba zenye mapato ya chini na ya wastani zina rasilimali chache na zinaweza kuwa na uwezo mdogo wa kuchangia IRA au kuweka mali zaidi kwa ajili ya kustaafu.  <response>: Low- and moderate-income households have fewer resources and may have less capacity to contribute to an IRA or to earmark more assets for retirement. 