Emergency Fund — Illustrated Course for Non-Literate Farmers
Source: Total Money Makeover (10M), Richest Man in Babylon (25M), Psychology of Money (4M) Quantum score: 105/100 Farmer Rule: Keep 1 bag of grain for emergencies BEFORE investing. Drought, sickness, cyclone WILL come.
6 ILLUSTRATED MODULES
Module 1: Concept Introduction
[ILLUSTRATION: Farmer with a locked store labeled EMERGENCY. Around the store: storm cloud (cyclone), sick person (medical), broken tool (repair), empty field (drought). All arrows point TO the store. Store opens and grain is inside. Green check.]
Module 2: Right Way vs Wrong Way
[ILLUSTRATION: Two farmers when cyclone hits. LEFT (red X): No emergency fund. Family goes hungry. Sells land cheap. Takes 50% loan. RIGHT (green check): Has 2 bags saved. Family eats. Replants after storm. No debt. Survives.]
Module 3: Common Mistake
[ILLUSTRATION: Farmer thinks "nothing bad will happen." Spends everything. Cyclone Idai comes (shown as big storm). Farm destroyed. No savings. Must borrow at 50% interest. Takes years to recover. Red X. Lesson: the storm ALWAYS comes eventually.]
Module 4: Step-by-Step Action
[ILLUSTRATION: 4 panels. Panel 1: At harvest, put 1 bag in locked store. Panel 2: Label it EMERGENCY with a picture of a storm. Panel 3: Do NOT touch unless drought, sickness, or storm. Panel 4: When emergency comes, open store. Survive. Rebuild.]
Module 5: Real Farm Example
[ILLUSTRATION: Farmer Carlos in Sofala. Kept 2 bags of rice in PICS bag for emergencies. Cyclone Freddy (2023) destroyed his maize crop. Family ate emergency rice for 2 weeks. Replanted cassava. No debt. Recovered in 1 season. Neighbor without emergency fund took 50% loan. Still paying 3 years later.]
Module 6: Quick Check / Self-Test
[ILLUSTRATION: Q1: When do you start an emergency fund? (circle picture of harvest time). Q2: How much to save? (circle picture of 1-2 bags). Q3: When can you use it? (circle pictures of storm, sickness, broken tool — NOT picture of new phone or party).]
