I conducted a training to the group of physically impaired ladies who are on an ECD Learnership Program. The Sanlam MM training took place at the ELET-Portshepstone site in October 2023. Learners were trained on Module 1,2,3,4,5,6,9&10. It was the most exciting and fruitful training with most outstanding learner participation I have ever had in any Financial Education program. At the beginning I was not comfortable because most learners had chronic sicknesses and there was always a Social Worker and an assistant in class incase of any emergencies during the lesson. What was noticeable is that the majority of the learners were very intelligent and came up with the best ideas in all the topics we discussed. I was so touched by the discussion on the goal setting where the learners were so eager to share their short, medium and long term goals and I was very impressed by the fact that their physical state was not a barrier to them achieving their life goals and was so amazed by the optimism they had despite their impairment, they rose above that and were very grateful for the knowledge on good saving methods and how they can manage risk to minimise using their savings. The other interesting discussion was a story shared by one learner on the funeral cover claim which had an exclusion that could have resulted in the family members's loss but they fought with the insurer till they were paid 10% of their insured amounts, so that was an eye opener to all, to be aware of such information when they take funeral policies as not everyone will have the strength to fight and win the battle as shared by their peer. After this exciting session, I feel that we should include more participants with disabilities in the future as they are normal mentally and should not be discriminated. They need the financial education just like any other person and their physical state make them more stronger and eager to excel in life.