<prompt> Translate the following text to EnglishIDA ni kwa ajili ya kuajiriwa, lakini IRA inaweza kutumika kwa ajili ya kununua nyumba ya kwanza, kulipia chuo au mafunzo mengine ya kazi, au kuanza biashara ndogo.  <response>: Whereas IRAs are for retirement, IDAs can be used to buy a first home, to pay for college or other job training, or to start a small business. 