<prompt> Translate the following text to EnglishIli kuepuka mabadiliko zaidi ya uchungu na ya kuvuruga wakati wa kuzaliwa kwa mtoto wa boom kuanza kustaafu, wakati wa kuanza hatua hizi ngumu lakini muhimu ni sasa.  <response>: To avoid more painful and disruptive changes once the baby boomers begin retiring, the time to begin these difficult but necessary steps is now. 