<prompt> Translate the following text to EnglishMtu anapochelewesha kuokoa kwa ajili ya kustaafu, yeye hufurahia matumizi ya ziada katika miaka ya mapema na kisha yeye mwenyewe hubeba mzigo wa kuokoa kiasi kikubwa baadaye, kufanya kazi kwa muda mrefu, au kukubali kiwango cha chini cha maisha katika kustaafu.  <response>: When an individual delays retirement saving, that individual enjoys the additional consumption in the early years and then personally bears the burden of saving larger amounts later, working longer, or accepting a lower standard of living in retirement. 