<prompt> Translate the following text to SwahiliWhile this discussion focuses on tax incentives encouraging personal saving, some federal programs and tax provisions may actually discourage people from saving.  <response>: Ingawa mazungumzo haya yanazingatia motisha za kodi zinazohimiza akiba ya kibinafsi, baadhi ya programu za shirikisho na masharti ya kodi yanaweza kweli kuwazuia watu kuokoa. 