<prompt> Translate the following text to EnglishPensheni ni moja ya njia za kuokoa maisha ya watu wengi, na zaidi ya nusu ya watu walioajiriwa mwaka 1998 walikuwa hawana mpango wa pensheni.  <response>: Pensions are not a universal source of retirement income, and more than half of those working in 1998 lacked a pension plan. 