<prompt> Translate the following text to SwahiliWhereas 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.  <response>: IDA 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. 