<prompt> Translate the following text to EnglishKuongeza akiba ya kibinafsi ni muhimu kwa kuongeza usalama wa kustaafu kwa kaya za mtu binafsi, kuongeza akiba ya kitaifa inayopatikana kuwekeza katika hisa za taifa, na mwishowe kupunguza mzigo wa vizazi vya baadaye vya kufadhili mipango ya serikali kwa wazee.  <response>: 35 Increasing personal saving is vital to enhancing individual households retirement security, to increasing national saving available to invest in the nations capital stock, and ultimately to reducing the burden on future generations of financing government programs for the elderly. 