<prompt> Translate the following text to SwahiliIRA accounts allow income-earners to duck some taxation on that income if they promise to save it until theyre old.  <response>: Akaunti za IRA huwaruhusu watu wanaopata mapato kuepuka kodi fulani juu ya mapato hayo ikiwa wanaahidi kuhifadhi hadi watakapokuwa wazee. 