Universal Basic Income (UBI) is a financial program where the government provides all citizens with a regular, unconditional sum of money. This payment is intended to cover basic living expenses, ensuring that everyone has a safety net to support their needs, regardless of their employment status. The idea behind UBI is to reduce poverty and inequality while promoting economic stability. By giving people a guaranteed income, it encourages them to pursue education, start businesses, or invest in their communities without the constant stress of financial insecurity.