<prompt> Translate the following text to SwahiliIn evaluating personal saving, it is important to distinguish between saving as a way for an individual household to finance future consumption and saving as a way to finance the nations capital formation.  <response>: Katika kutathmini akiba ya kibinafsi, ni muhimu kutofautisha kati ya akiba kama njia ya kaya ya mtu binafsi ya kufadhili matumizi ya baadaye na akiba kama njia ya kufadhili malezi ya mtaji wa taifa. 