"In the future, I plan to improve my family's life. I want to start a business selling omena to earn money. This will help me provide for my family's needs and give us a stable income. With the profits, I also hope to buy some chickens for additional income and to have fresh eggs. As my goats multiply, my dream is to exchange some of them for two plows to till the land. This way, I can cultivate more and even rent out the ploughs to others for extra money. I'm excited about these goals because they will bring financial stability and opportunities for a better future for my family." (Country: Kenya)

"In the coming months and years, my goal is to achieve several important milestones. First, I plan to open a kiosk and eventually expand into an open café, providing a steady source of income for my family. Simultaneously, I aim to complete construction on our house soon. This will enable us to settle comfortably and focus on our ventures. I am relying on the support of transfers, which I deeply appreciate, to help make these dreams a reality." (Country: Kenya)

"My primary goal for utilizing my transfers in the coming year and beyond will be to acquire goats. As an elderly person, my primary source of income from house construction is not financially rewarding. Concerned about the limitations of physical labor as I age, I see goat keeping as a worthwhile investment. Goats are low-maintenance animals, which makes their care easier for me. Furthermore, their ability to be sold provides a potential source of income during difficult economic times. I will diligently save a portion of my monthly earnings to achieve this goal." (Country: Kenya)

"In the future My is to focus on starting a goat-rearing venture and expand my flock. As the goats multiply, I aim to sell some and reinvest the proceeds into new projects. Additionally, I have a piece of land where I plan to build rental houses using the resources from goat farming. My aim is to begin this right after my son finishes school next year, as a lot of my money currently goes towards my education. With the food I still have, I'm confident I can manage my basic needs while working towards these goals." (Country: Kenya)

"While I was amidst the task of fetching firewood on my farm, the sudden, loud vibration of my phone shattered the tranquillity of the afternoon. As illiterate as I am, I relied on my children to interpret the message's content. With a mixture of excitement and curiosity, they revealed that it was an M-Pesa message from GiveDirectly. Overwhelmed with gratitude, a surge of emotions washed over me, knowing that this unexpected gift would transform our lives. For so long, I had yearned for the ability to purchase livestock like goats and acquire basic utensils, which had always been borrowed from relatives. With this newfound financial freedom, I could finally provide for my family without relying on the generosity of others, filling me with a profound sense of joy and relief." (Country: Kenya)

"I currently have two daughters at home who are jobless. Since I do not have any reliable source of income, I am so confident that, this money can bring a positive change in my life. To ensure we live a better life, I plan to have my children actively engaged in business that will bring profit to our household. I intend to start clothes business and selling of foodstuffs within the village. This job will be operated by my daughters. A huge amount of the transfers ($700) will go to the business which will attract good profit to us and eventually a transformed livelihood. The remaining amount will help us to cater for other household needs. Thus, this is generally what receiving this money means to me." (Country: Kenya)

"I see GiveDirectly as my hope for a better life because, I am confidently certain that, this money will change my livelihood. My wife Kanze will have the opportunity to expand her business and this will mean increased profit. My plan is to ensure her business premises is well organized to provide safe environment for customers. In addition, I will add her capital from the current $60 to $150. Thus, the plan is to spend utmost $200 of the transfers to invest in the eatery kiosk which will include repairing the structure. On the other hand, I will spend $300 to secure my father's farm which he leased it before he deceased. This will guarantee me enough land for farming to settle food insecurity. The remaining amount will support my mother to seek proper medication for her stomach problem. Hence, this is basically what receiving this money means to me." (Country: Kenya)

"My life has been of sorrow because of the nature of my house which was grass thatched and it collapsed. This made me to seek refuge from my daughter's house which is also not complete. My desire has been to construct a decent iron-roofed house for both the three of us. This will guarantee me a peaceful life since we will no longer feel the discomfort of having our beddings exposed to any passerby. This plan will cost me utmost $600 of the transfers. Part of the remaining mount ($200) will help me to buy 4 goats to act as my long-term investment project to support us in the future. The remaining amount will support my grandchildren's education. Thus, this is what receiving this money means to me." (Country: Kenya)

"I have a family of four members with two being children. I am just a housewife and my husband does casual jobs at Kilifi making little income which caters for food. I have skills on tailoring but I lack the capacity to start my own salon. I will use $800 to start my own salon at Kilifi and do business. This will bring sustainability income to my family. I will also use $300 to equip my house with bedding. Currently I sleep on the floor which is not safe for the health of the children." (Country: Kenya)

"In the coming year and beyond, my focus is on investing in livestock, particularly goats and chickens. Relying on subsistence farming has left me without a reliable source of income to meet my needs. There have been distressing moments when I couldn't afford school fees for my son, which pushed me to borrow from neighbors and accumulate debt. With livestock, I see an opportunity to generate income by selling them, alleviating the need for borrowing in the future. Currently, I own three goats and five chickens, and I aim to expand my livestock holdings further. Recently, I joined a merry-go-round with seven members, intending to use the accumulated funds to purchase more livestock when it's my turn. This proactive step aligns with my long-term goal of achieving financial stability through livestock farming, ensuring a more secure future for myself and my family." (Country: Kenya)