<prompt> Translate the following text to EnglishKwa kutabiri upungufu wa faida, watu wanaweza kuokoa zaidi sasa ili kuongeza mapato yao ya kustaafu ya baadaye na kupunguza gharama za huduma za afya za baadaye au wanaweza kuchagua kufanya kazi kwa muda mrefu na kuchelewesha kustaafu.  <response>: Anticipating potential benefit cuts, people could save more now to supplement their future retirement income and to cushion against future health care costs or they could choose to work longer and delay retirement. 