MSC conducted research to understand how the low and middle income (LMI) segments cope with the COVID-19 pandemic. To examine how this pandemic has affected their lives, we spoke with 150 LMI households across Kenya. Our report offers a glimpse into their remarkable achievements, underlying challenges, and new opportunities amid COVID-19. It delves deeper into the coping strategies LMI segments have adopted to mitigate the effect of this disruption. We explore how the pandemic has triggered the uptake of digital technologies and provides policy recommendations to help LMI segments survive.