<prompt> Translate the following text to EnglishMapato ya kweli hayahesabiwi kama mapato ya kibinafsi, lakini kodi yoyote iliyolipwa juu ya mapato hayo hupunguza mapato ya kibinafsi na hivyo kuokoa.  <response>: 1, realized gains do not count as personal income, but any taxes paid on such gains reduce disposable personal income and thus saving. 