<prompt> Translate the following text to SwahiliAlso, most discussion of the decline in personal saving focuses on the adequacy of individuals retirement saving rather than on the significance of personal saving for the economy as a whole.  <response>: Pia, majadiliano mengi ya kupungua kwa akiba ya kibinafsi yanazingatia uwiano wa akiba ya kustaafu ya watu binafsi badala ya umuhimu wa akiba ya kibinafsi kwa uchumi kwa ujumla. 