<prompt> Translate the following text to EnglishKwa wale ambao akaunti za kibinafsi zinafanana sana na 401 k na IRA na ambao kwa sasa wanaokoa kiasi wanachotaka kwa kustaafu, pengine watapunguza akiba yao wenyewe kwa kuwa na akaunti za kibinafsi.  <response>: Households for whom individual accounts closely resemble 401ks and IRAs and who are currently saving as much as they choose for retirement would probably reduce their own saving in the presence of individual accounts. 