<prompt> Translate the following text to SwahiliAlternatively, they might not save more or work longer, and they would experience a lower standard of living in retirement.  <response>: Kwa upande mwingine, huenda wasihifadhi zaidi au kufanya kazi kwa muda mrefu, na watapata kiwango cha chini cha maisha wakati wa kustaafu. 