<prompt> Translate the following text to EnglishHata hivyo, kama wewe ni mtu ambaye anajua jinsi ya kuokoa pesa, unaweza kuwa na uhakika kwamba utapata malipo ya kodi ya juu, ambayo ni sawa na kodi ya faida ya mtaji, na hivyo kuepuka kuwa na IRAs.  <response>: yeah but you wouldnt be able to steer people toward a particular type of savings you wouldnt be able to say well you get better tax bonds if you you know avoid the capital gains tax and if you do it this way do this and you roll over your IRAs and all that they 