<prompt> Translate the following text to EnglishHatua muhimu ni kuhesabu kiasi cha mapato wanayohitaji kustaafu, kukadiria kiasi cha mapato ya kustaafu wanaweza kutarajia kutoka kwa Usalama wa Jamii na pensheni zinazodhaminiwa na mwajiri, na kuamua ni kiasi gani zaidi wanahitaji kuokoa.  <response>: The key steps are to calculate how much income they need to retire, estimate how much retirement income they can expect from Social Security and employer-sponsored pensions, and decide how much more they need to save. 