Read some of these financial diaries from Kenia (which were features in Gates' Annual letter): http://www.fsdkenya.org/our-work/financial-diaries/15-publication

Read some of these financial diaries from Kenia (which were features in Gates' Annual letter): http://www.fsdkenya.org/our-work/financial-diaries/15-publications-main/173-dia-publications.html http://www.fsdkenya.org/our-work/financial-diaries/15-public.... These people sometimes make bad decisions, but by and large they're more responsible than most people I know.