"In the coming year and beyond, I want to accomplish my dream of starting a kiosk business to sell foodstuff items. This will provide a reliable source of income for my family. I plan to use the upcoming December and January transfers to set up the business and stock it with essential items. By creating this income-generating activity, I hope to secure my family's financial stability and pave the way for a better future. This kiosk will be a stepping stone toward achieving long-term self-reliance and growth." (Country: Kenya)

"In the coming year and beyond, my top priority is to buy a bed and a mattress for my grandchildren. Currently, we all sleep in the same bed, which feels crowded and uncomfortable. I believe that providing them with their bed will improve their health and comfort, as well as give them a sense of independence. To achieve this goal, I am committed to saving $10 monthly. The bed I plan to buy costs $50, and the mattress is $60. This is an important step toward improving our living conditions and ensuring a healthier, happier environment for my family." (Country: Kenya)

"In the coming year and beyond, I want to build a spacious house for my family, a place where we can truly be comfortable. The small, cramped room we live in now doesn’t meet our needs, so I’ve been saving diligently, setting aside $24 monthly from my GiveDirectly transfers. With these savings, I plan to construct a one-room mud-walled house with a sitting room; something simple yet spacious enough for us to enjoy. This goal motivates me daily, and I am determined to see it become a reality for my family’s better future." (Country: Kenya)

"Financial freedom is what receiving this money means . I do casual jobs to be able to provide for my family of four. This has been strenuous recently because they are irregular, I am forced to borrow money to be able to meet all my family needs comfortably. I plan on using the transfers to ensure i have a stable source of income. I plan on constructing thirty beehives at a cost of $400 which in return can earn me $100 each year per hive. I am happy because my ambition will come to pass." (Country: Kenya)

"Receiving the cash transfers means so much to me and my family. Since it will enable me to do things that I could not without the cash because I only depend on casual work. For the first cash transfer, I intend to use about KES 18000 to build a kitchen. This is important for me because currently I'm cooking outside which is challenging whenever it rains. For the second and third cash transfer I intend to complete building my unfinished house which I was in the.process of building but stalled because of lack of funds. I plan to use about KES 50000 on this. For the remaining cash, I plan to purchase 4 goats which will cost me about KES 4500 each. This I consider to be my investment." (Country: Kenya)

"I have a family of seven children and my wife, but life has been very difficult for me. As the breadwinner, I rely on house construction work, which has not been stable. This uncertainty has made things even harder, especially considering that I never received a proper education. I dropped out of school due to the struggles my parents faced. Despite these challenges, my goal is to ensure my children receive quality education and have the good life they deserve. I believe this is the only way to rescue them from the grip of poverty. I am determined to achieve this dream by investing in goats, which I have been purchasing with the transfers. I am hopeful that these goats, which have started reproducing, will help turn my dream into reality." (Country: Kenya)

""I now have one important goal in mind: to continue saving in my Merry Go Round group so that I can accumulate around $100, which will serve as capital to start a business selling vegetables and potatoes in my village. Currently, I have been jobless, which has been a burden on my husband, who has been solely supporting the family, and it has never been easy. Therefore, I plan to use the savings from the transfer to help me realize my dreams. I trust that by doing so, I will no longer struggle to take care of my family, especially my children, who still need our strong support as they are in primary school. Additionally, this will be a relief to my husband, as I will be contributing financially at the end of the day." (Country: Kenya)

"I have always dreamed of fully practicing my profession as a tailor, but I have never had the chance to do so because I simply cannot afford to buy a sewing machine. In times of need, I borrow my friend’s sewing machine to sew a few clothes and earn a little income, but it is never enough to truly make a living from it. Now, I see that my dream might actually come true. When I receive my transfers , I plan to spend KES 15000 on purchasing my own sewing machine. This will allow me to earn a steady income and better provide for my family of six. I also plan to spend KES 30000 in purchasing goats therefore help secure a better future for us. I am hopeful that with these two steps, I can create a more stable income and work towards a brighter future." (Country: Kenya)

"My main source of income is selling second-hand clothes, which I have been hawking around the village. However, I now have a new goal for this business: to open a shop and start selling the clothes from there. I believe this will be a huge relief for me, as I am tired of enduring the scorching sun and walking long distances to showcase the clothes. Sometimes, I feel completely drained, and harsh weather often prevents me from working, which affects my earnings. Once I open the shop, I won't have to trek anymore, and I’m confident that my income will improve. With a steady income, I can ensure that my daughter, who recently joined secondary school, completes her education without any challenges. I plan to achieve this goal through my monthly savings in the savings group, and I strongly believe that in a few months, this dream will become a reality." (Country: Kenya)

"My primary goal now is to buy more goats and keep them on my homestead. Since goats are expensive and I cannot afford them on my own, I have decided to join a merry-go-round where I save about $10 a month. My aim is to increase my savings until I can purchase goats. Over time, these goats will multiply, and I plan to exchange some of them for cows. In addition to saving through the merry-go-round, I currently sell mandazis, and I plan to use some of my earnings to ensure I achieve this goal. I am confident that once I succeed, I will no longer feel stressed. Owning livestock will provide me with a sustainable source of income, especially for paying my children's school fees, which has been a constant challenge. This accomplishment will bring me much-needed relief and peace of mind." (Country: Kenya)