<prompt> Translate the following text to EnglishKwa hiyo, uchaguzi wao wa kuokoa huathiri si tu mapato yao ya kustaafu lakini pia uwezekano wa kuathiri kiwango cha maisha kwa wafanyakazi wa baadaye.  <response>: Therefore, their saving choices affect not only their own retirement income but also potentially affect the standard of living for future workers. 