"In the coming year and beyond, I have a plan to start a grocery shop within our village. It's a venture with great potential for success, as many of us here depend on vegetables and other grocery items for our livelihood. Additionally, I plan to include maize, which will attract more customers. To achieve this goal, I have begun saving in our merry-go-round group, intending to use my savings for this initiative. Once the shop is established, it will provide additional income, enabling me to meet my family's basic needs. Furthermore, I aim to build my own house. Currently, I am living with my parents in a small space that does not comfortably accommodate us. To achieve this dream, I am planning to take a loan from our chama group. I am grateful to GiveDirectly for their support, as I rely entirely on these transfers. I used to work, but I experienced a health issue and have been unwell since then, hence unable to perform heavy work."

"Educating my children is my major goal in the coming year so that they will be able to support themselves. I wanted to go to school but was not able to because no one was there to educate me. I want them to create a difference and have better opportunities. The transfers from GiveDirectly have been incredibly helpful, and I have evidence showing that they have been paying for my children’s education. In addition to the transfers from GiveDirectly, I plan to use my income from casual jobs to support their education. I believe that with the support from this program, my children will be able to realize their aspirations. I have one child in secondary school and four in primary school, and I am committed to ensuring they all receive the education they deserve."

"My wife, children, and I live with my parents in the same homestead. Initially, my plan was to focus solely on using my income to educate my children. However, now I aim to buy land and build a home where my family can live independently. Having our own space will give me peace of mind and the motivation to invest in various projects, like livestock farming, more easily than when we share so many resources. Currently, I am raising goats to accumulate enough money to buy land. Once I have enough goats, I plan to sell some to invest in cows. A large cow costs around 45,000 KES, so my goal is to have as many cows as possible to fund the purchase of land for our home. I also intend to use part of my financial transfer to pay school fees and buy goats to help achieve this dream. In addition, I run a charcoal business and engage in farming to support my family. This transfers has been greatly beneficial to me and has significantly improved our situation."

"Lack of finances is a challenge because I lost everything I had to floods. I had watermelon that was ready for harvest and all were swept away in a night. This gave me a loss of $860 and am yet to recover from it as a result I do casual jobs to earn money and it is difficult getting used to it."

"As a mother of two children, I am deeply committed to their education despite our financial challenges. Our eldest son recently completed his Form Four, and we are grateful to God for paving the way. Currently, we are focused on supporting our other son, Karisa, to enroll and complete his education as well. Financial stability is a constant concern for us, especially since my husband's income from cutting and selling brushing sticks is not steady, and I am currently unemployed, managing our home and saving diligently from transfers to make ends meet. Our strategy involves prioritizing one child's education at a time. Right now, our primary goal is to support our eldest son through his mechanical engineering studies. We believe that once he completes his education, he will secure a good job that will enable him to support our family."

"I have a solid plan to invest in livestock to secure a better future for my family. Currently, I own four goats and three cows, and my strategy is to allow them to multiply so that I can sell them if financial challenges arise. Additionally, I have eight ducks, and as they multiply, I can exchange some for more goats, further diversifying my livestock. While I'm eager to expand my livestock holdings, my first priority remains fulfilling my family responsibilities. I am committed to saving diligently to continue investing in livestock, as this aligns with my dream of providing a better life for my family. This approach ensures that I can steadily build a stable and prosperous future for us all."

"I am counting down the days until my big brother finishes college so I can embark on my own educational path. With the unwavering guidance of my high school teacher, I have set my sights on a career in medicine, a field that ignites my passion like nothing else. Every amount I save is a step towards a secure future. Pursuing medical school isn't just about fulfilling my dreams; it's about creating opportunities that will elevate not only my life but also my family's future."

"I am currently focused on caring for my five goats, as they represent a crucial part of my future plans. Unfortunately, I lost many chickens to disease previously. My immediate goal is to ensure my goats multiply, providing a stable source of income through sales when needed. Currently, I am in the process of building my dream brick house. Once completed, this accomplishment will pave the way for easier investment in livestock, particularly goats. This strategic approach ensures that after completing my house, I can concentrate on expanding my goat farming without facing unnecessary challenges."

"After completing my tailoring class in 2018, I faced the challenge of not having enough money to buy a sewing machine. Determined to pursue my dream, I joined a merry-go-round to save up for the machine. Additionally, income from selling fish allows me to set aside funds towards this goal. My plan is to create new designs and offer them at affordable prices to my neighbors, leveraging my passion for tailoring. I am confident that with dedication and hard work, I will thrive in this field and achieve success."

"My primary focus is caring for my family, and I am planning to expand into raising livestock. Currently, I have four goats; starting with two, they have multiplied, which brings me great joy. Investing in goats is advantageous because they can reproduce quickly, offering a straightforward path to expansion. My goal is for their numbers to multiply, enabling me to eventually exchange them for cows and sell some to generate income for my family's needs. Thank you so much GiveDirectly for your support."