<prompt> Translate the following text to SwahiliLow- and moderate-income households have fewer resources and may have less capacity to contribute to an IRA or to earmark more assets for retirement.  <response>: Nyumba zenye mapato ya chini na ya wastani zina rasilimali chache na zinaweza kuwa na uwezo mdogo wa kuchangia IRA au kuweka mali zaidi kwa ajili ya kustaafu. 