"What I wish for is for my four children to study up to their desired level of education. However, since I lack a reliable source of income, am worried that if I do not establish an investment out of the transfer, I may not be able to finance their education. Through future cash transfers, I have been able to acquire goat this quarter and hoping to buy more through the transfer. Am confident that when these animals increase in number it will increase wealth. In the future, I can sell them to support my children." (Country: Kenya)

"With the help of the monthly transfers I received from Give Directly, I embarked on constructing a two-room house. Utilizing old pieces of iron sheeting salvaged from my previous collapsed house, I managed to roof one of the rooms partially. Unfortunately, due to financial constraints, the other room remains unfinished as I lack the funds to purchase the necessary 12 iron sheets. However, I am determined to achieve my goal by saving enough money through a savings group, which will allow me to buy the required iron sheets and complete the construction of my house. I also wish to educate my children so that when they finish school and secure jobs they will help me." (Country: Kenya)

"In the coming year and beyond, my ambition is to build a sustainable future by investing in livestock, particularly goats. Goats, with their affordability, ease of maintenance, and lucrative market demand, stand as a beacon of opportunity. Through dedication, diligence, and a steadfast commitment to my goals, I aspire to cultivate a thriving herd that will enable me secures financial stability." (Country: Kenya)

"I could have spent the transfers on food, but what happens when the transfers end? I may not have something to fall back on for provision. Besides, my husband, who is the sole provider, is advancing in age, and it will be challenging for him to engage in work in the future. This is why I plan on rearing livestock, such as goats. I believe that they will equip me with enough wealth to support the education of my children even past the transfer period." (Country: Kenya)

"My goal is to build a rental space. Since my home is positioned on the road, next to the school and the trade center, I anticipate that the rental space will be beneficial. I have already started making bricks for the house using money from the previous transfers. I want to have three rooms in the rental space. With a rental rate of around $20 per month, I anticipate that I will be earning at least $60 per month if all three rooms are occupied. This amount will help me support the education of my three children and provide for their basic needs." (Country: Kenya)

"I have always wanted to build a new house, but school fees for my five children have constrained me. Additionally, the living I make from making charcoal is barely sufficient. The current house I have is in poor condition, with mud walls disintegrating and most of the walls falling. I pray that even as I support the education of my children through the transfers, I will be able to set aside some transfer funds to start building a house. I would be happy if I could build a two-room one, even if it is made of mud walls and an iron sheet roof. It would be a significant upgrade from the current one." (Country: Kenya)

"My main goal for this year is to complete the construction of a new home. My current house is small, and with my kids and grandkids visiting often, I feel the need for a bigger space. The construction has already begun, and I couldn't be happier. I've been able to finance this project using savings from previous transfers from GiveDirectly. Seeing my grandkids happy and comfortable is my utmost priority, and building a new home will ensure just that. The thought of having a larger, more comfortable space for them to enjoy fills my heart with joy. With each brick laid and each wall erected, I am one step closer to achieving this dream. Thanks to GiveDirectly, I am able to create a better environment for my family, one where love, laughter, and comfort abound." (Country: Kenya)

"Expanding my papaya farm has become my primary goal for this year and the years ahead. It all began with the initial transfer from GiveDirectly, which enabled me to start the farm. Now, I plan to utilize part of the current farm produce for our daily household needs while allocating the rest towards expanding the farm. This decision holds immense promise for me. By expanding the farm, I anticipate a significant increase in income. This additional revenue will not only allow me to meet our daily needs more comfortably but also provide the opportunity to save for emergencies and future projects. With each papaya harvested, I see the potential for growth and prosperity. It's not just about cultivating a crop; it's about nurturing a source of stability and security for my family's future. Through diligent care and dedication, I aim to transform our small papaya farm into a thriving enterprise, one that sustains us and paves the way for greater opportunities ahead." (Country: Kenya)

"My objective is to launch a goat-rearing business, which shows significant potential, particularly if the goats multiply successfully. This venture is perfectly suited to our region, and if it prospers, I intend to exchange some goats for a cow. I will utilize the saved transfers to start this business. Having an extra source of income will guarantee the well-being of my family and allow me to provide a comfortable education for my children. I am deeply grateful for the chance to participate in this program as it has changed my life for the better." (Country: Kenya)

"This year, I aim to expand my business ventures by selling clothes and other household essentials. I plan to utilize my savings and profits from my vegetable business to realize this goal. Establishing another business opportunity will not only diversify my income streams but also provide me with the opportunity to explore further ventures, such as livestock business, thereby increasing my profits and enhancing my financial stability. I am sincerely thankful to this organization for empowering me financially and enabling me to pursue and achieve my goals." (Country: Kenya)