<prompt> Translate the following text to EnglishMara baada ya fedha zimewekwa katika akaunti za kustaafu, matarajio ya kodi na adhabu kwa ajili ya uondoaji wa mapema inaweza kushawishi baadhi ya kaya kuokoa zaidi nje ya akaunti za kustaafu ili kufikia malengo ya ustaafu.  <response>: Once the funds are earmarked in retirement accounts, the prospect of taxes and penalties for early withdrawals might induce some households to save more outside of retirement accounts to achieve nonretirement goals. 