<prompt> Translate the following text to EnglishHii ni kwa sababu ya kuwa na mfuko wa muda mrefu wa kuokoa kwa miaka mingi, na sasa tuna umri wa kustaafu, na kwa hivyo tunahitaji kuokoa kwa miaka mingi.  <response>: it it it doesnt come out um it doesnt come out of long term savings like we were we were um saving savings bonds too for oh years and years and years and now im getting up towards retirement age so we stopped stopped the the savings bonds and were going maxed out on CODA and then you know other things like you know CDs 