In addition, many people -- generally those who are self-employed, those whose employers do not provide a pension, and those who believe their pension plan to be inadequate -- put part of their income into a special individual pension program.

• 许多个体经营者，以及那些雇主不提供退休金的人和认为退休金计划提供的钱不敷应用的人，把收入的一部分存入一个特别的退休金计划。