Vincent is a 20-year-old student at South-Eastern Kenya University studying nutrition and dietary science. He is the first in his family and village to go to college. In spite of his enthusiasm for university, Vincent admits that school was his means to access working capital. He used 80% of the sizeable loan he was eligible for as a student, always intending to invest it in a goat herd. Rather than formal financial accounts, Vincent uses mobile money and considers his goats as both his source of income and his savings–“I saw goats as more promising,” Vincent says,“you are more sure of it.” He’s deeply interconnected with a trusted older business partner, Kamau, who helps with the goat business and often provides small loans. They have a plan to grow their collective herd to 400 goats in five years’ time. Vincent is creatively working towards his future, even if his formal education doesn’t lead to a government job.