When you’re under 40, buying a life insurance policy may seem about as practical as buying a Humvee. That makes insurance a tough sell for a 165-year-old company like MassMutual. To find a way to become relevant to this generation, MassMutual partnered with IDEO with a mission to get young people interested in their own spending habits.

Over the course of two years, the teams set out to learn about how people across the US spend and save their money, and they uncovered a simple theory: you either have a smart money mindset or you don’t. When it comes to being mature about financial issues—chipping away debt, saving to buy a car—it doesn’t always come naturally. If anything, many feel disconnected from money-related matters, even if it’s in their best interest to know more.

"I hate going to a bank and not really knowing what I am doing when it comes to money," said Simon Bowers, a 31-year-old who works in public relations, featured in an article in Fast Company about the MassMutual-IDEO collaboration. "They don’t seem to take into account that this might be scary for us."

So how to invite this wary demographic to the table? Design an accessible way to meet them wherever they are: online and on their phones. IDEO helped build the new venture from the ground up—designing a brand identity and experience focused on transparency, meeting users where they are, and helping people navigate complicated financial situations so they can live life on their own terms. It’s called Society of Grownups, and you can think of it as a sort of master’s program for adulthood. Each piece of the program builds on a common vision that continues to iterate every day.

After building and testing full-scale, live prototypes, the brick-and-mortar Boston location opened in 2014 and operated much like a supper club—a warm, inviting space where young people could hang out, feast on delicious meals, attend talks, and learn about things like 401Ks, living on a budget, and how to pick good, cheap wine. After two years of continued prototyping, MassMutual recognized that the digital channel has the most potential to grow and closed the brick-and-mortar location to focus their investment in building out the bespoke online financial tools to reach more people across the nation.

From leeches to gene therapy, how we treat sickness has changed beyond recognition over the centuries. But one question asked by ancient healers and modern doctors alike remains the same: “How are you feeling?”

“We’ve had the ‘quantified self’ for a number of years—sensors that measure steps, weight, blood pressure,” said Bruce Hellman, cofounder of UK-based digital health startup uMotif. “But by only focusing on the quantitative, we miss the whole picture of a person.”

Hellman cofounded uMotif in 2012, inspired by the self-awareness he gained when tracking his sleep after his baby was born. uMotif gives people the tools to record and track their mood, sleep, and clinically relevant symptoms like dizziness or breathlessness on their mobile phone app, and share the resulting data with their doctor and care team to better inform appointments, and treatment plans.

Named as one of 50 UK "scale-ups" that could grow to over £100m in revenue by not-for-profit organization Silicon Valley Comes to the UK, uMotif’s software and apps have been deployed in dozens of hospitals, and profiled in The Guardian, The Daily Telegraph, and The London Times. With a view to scaling strategically, Hellman applied to IDEO Europe’s first Startup in Residence, a three-month-long program to accelerate companies through design thinking. “We brought the whole of uMotif to IDEO: product, organization, branding, approach, and business model,” said Hellman. “We were keen to re-consider just about everything.”

During the residency, the uMotif team embedded with IDEO’s London studio to work closely with an eclectic team of interaction, business, and communication designers, and design researchers, to explore every aspect of the business.

The team found that although uMotif’s organic growth had reflected the rapidly expanding digital health market, the offer was somewhat fragmented as a result. In response, uMotif decided to tighten its sales focus from 14 branches of medicine to just two: oncology and cardiology (with mental health as an R&D area).

In-depth interviews with patients, nurses, doctors, and executives revealed a clear opportunity: “simple symptom tracking for people going through an acute or serious period in their health, to activate and extend the patient-care team relationship,” Hellman says. The focus switched from the Quantified Self to the Qualified Self, coined by the team to reference uMotif’s unique approach to measuring how people feel.

Designers set about reconfiguring and prototyping aspects of the brand, product, business, and organizational model for delivery. Whereas the original uMotif product had been designed with a single clinician in mind, the team designed a new dashboard catering for the reality of modern healthcare—multiple caregivers.

Ultimately, uMotif’s offer is not just about helping patients understand their own health; it’s about providing meaningful insights that enable them to have richer conversations with their care teams—allowing them to work together to improve care plans and outcomes.

“We are a much more focused, confident, and clear organization, truly prepared to scale sales, delivery and clinical impact,” says Hellman, referring to the impact of their participation in the Startup in Residence program. Now back in its own headquarters, the team takes with it a toolkit of IDEO systems and processes with which to run their business and to apply to new projects, products, and services.

“Health systems around the world are quickly adopting digital channels,” he said. “We aim to be at the forefront of this inevitable shift, using design thinking to put people at the centre of their care, improving quality of life, treatment outcomes, and healthcare experience.”

WATCH: uMotif: Sam's Story.

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IDEO designers wanted to take on a challenge: How might we help kids make better decisions around food and being active?

Designers moved forward with three concepts that addressed this challenge from three completely different directions:

• Top Chops, a hands-on cooking adventure that builds kids’ confidence in the kitchen by working toward becoming a Top Chop “master chef.”
• Daredevils, a wearable device that measures the intensity of energy exerted, but doesn’t prescribe the activity, which kids can use to dare each other to reach activity goals.
• Presso, a set of child-size kitchen tools that slice and dice fresh food in imaginative ways, making cooking fun and helping kids feel they have a role in making their own healthy food.

The design team behind this work was featured on 60 Minutes, and some of the resulting concepts were featured on CBS This Morning.

In updating the popular and industry-defining PalmPilot, Palm Computing wanted to reposition the next-generation Palm V as a high-design accessory to set it apart from its many imitators.

Together with IDEO, it crafted a sleek, elegant device, half the thickness of the original in an anodized aluminum housing. Incorporating an internal lithium-ion battery that recharges in the dock, the side rails act as an open architecture to provide attachment for a variety of styluses, cases, and other add-ons.

For the better part of my career, I had been conditioned to believe that employees are either adding value to an organization by working in immediate service of its bottom line, or they are not, and should subsequently be disciplined. I was terrified I was in the latter camp. Over time, though, I began to take more deliberate notice of how my IDEO colleagues spent their “white space” time between projects.

My friend, Dave hacked an Android tablet into the housing of a 1980s GRiD laptop to celebrate the life of IDEO cofounder Bill Moggridge. Three IDEO Chicago colleagues made an LED-powered, floating cloud installation that communicates current weather conditions by changing color. And a pair of engineers created an automated, Arduino-powered, steampunk-themed shandy machine to keep colleagues hydrated during summer parties on the Chicago studio's roof deck.

With my Pavlovian conditioning coming undone, I dove head first into the fray. During a few hours of project downtime, a teammate and I outfitted an old Mac Classic with an iPad for its screen. Was I reprimanded for using company equipment for a side project during work hours? Quite the opposite. I was told to post an image of our creation to the IDEO Instagram account.

Since then, I have experimented with pumpkin carving via laser cutter; flown toy cars from rooftop ramps into frothy mugs of beer; teamed up with a friend to explore and film fluid dynamics studies using a syringe and typewriter ink; 'printed' Nyan Cat out of yarn via a hacked, decades-old electronic knitting machine; and twice stencil-graffitied IDEO’s San Francisco headquarters—once with moss and once with superhydrophobic solution.

So, why do we create these things? Because even before we’re designers, we’re makers. And taking a few moments away from our day-to-day work for unorthodox and inspiring creations often fulfills our need to make. When we bring this energy back to our teammates, we work better together, and we do better work.

Creating stuff makes us happy. And doing it together makes us better designers. This is why we make.

There is little more terrifying than having non-billable time at work. The first few weeks of my employment at IDEO were a nervous time for me. I was intermittently assisting a few project teams, but it would be an excruciating few weeks before I was staffed full time to a client project.

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1. Closca Fuga Foldable Helmet, 2. Alphabet Compendium, 3. Crosley Messenger Turntable, 4. Uuni 2s Portable Pizza Oven, 5. Universe2go, 6. Roting 600 Drafting Pencil, 7. Olloclip 4-IN-1 Lens, 8. HAY Tower Block Notepad, 9. Night Notebook, 10. Keep Cup, 11. Appointed Workbook, 12. Alite West Bluff Pack, 13. Sharpie Stainless Steel Permanent Marker

Closca Fuga Foldable Helmet

Helmets are a total necessity, but carrying them around is a pain. The Closca foldable bike helmet solves that problem, collapsing down to half of its size (about 2.4 inches tall), making it possible to hide away in a backpack or purse. The 2015 Red Dot award winner is also certified to global safety standards, so all you have to worry about is picking the right color.

$140

closca.co

Alphabet Compendium: An Illustrated A-Z of Things

Isometric mural illustrator Nigel Sussman has poured the same style he's used to decorate the walls of tech companies like Google and eBay into his first book, Alphabet Compendium. His hyper-detailed drawings cover everything from the aardvarks to the zucchinis.

$29.95

http://alphabetcompendium.com/

Crosley Messenger Turntable

The Crosley Messenger Turntable lets you spin records anytime, anywhere, thanks to its messenger-bag style design. With built-in speakers and a headphone jack, you can share the music, or go it solo.

$90

crosleyradio.com/

Uuni 2s Portable Pizza Oven

Have a pizza lover in your life? This wood-burning oven goes from ambient temp to 932˚F in just ten minutes. Stainless steel construction means it can handle life in the great outdoors, and Uuni's wood pellets are sustainably sourced, so you don't have to feel guilty. They'll even plant a tree for every bag of pellets sold.

$299

uuni.net/

Universe2go: My Personal Planetarium

This star viewer and app combo give you a closer look at the real night sky, not the dome of a planetarium. Take a guided tour of the stars above you—it will illustrate constellations, help you discover planets, and even point out moving objects like comets and satellites.

$99

universe2go.com

Roting 600 Drafting Pencil

This is one serious pencil. The iconic, metal design has a comforting heft to it, and its hexagonal base makes it easier to hold in your hand. Better yet, it won't roll off your table. Choose between .5 or .7 lead.

$37

rotring.com/us

4-IN-1 Lens

Help your loved ones kick up their iPhone photography game with four quick-change lenses (fisheye, wide-angle, macro 10x and 15x) that fit right on top of the iPhone. Panoramas and extreme close ups are made easy with the 4-IN-1 Lens, which is small enough to fit in a pocket. It's a selfie-lovers' dream.

$80

olloclip.com

With the Macro 15x lens on the right. Without on the left.

HAY Tower Block Notepad

A beautiful, ombré tower of notes just waiting to be sketched on. Available in fade coral and fade orange. Drool.

$25.00

store.moma.org/

Night Notebook

Spare, beautiful, and conveniently on sale, this blank Poketo notebook is perfect for capturing your thoughts. And thanks to Smyth Sewn binding, it lies totally flat, making doodling in your notebook easier than ever.

$6

poketo.com

Morning, Day, Evening, and Night Notebooks

Keep Cup

These eco-friendly cups out of Australia are made using waste product from the manufacture of wine corks. Their designs include everything from basic colors to characters from the Star Wars universe. Now you just have to decide between the resistance and the evil empire.

$24

us.keepcup.com

Appointed Workbook

A spare, utilitarian design with a durable cover, this notebook can handle the abuse of every day. Choose between classic navy or white.

$24

appntd.com/

Alite West Bluff Pack

A backpack rugged enough for the outdoors, but designed with commuters in mind, the West Bluff pack has an interior laptop sleeve and a padded back built for comfort. It's perfect for the urban explorer in your life.

$48.99

alitedesigns.com

Stainless Steel Permanent Marker

Add some cred to your brainstorms with this stainless steel Sharpie.

$9.50

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Struggling to find ideas for the designers on your list? Browse our most coveted tools and trinkets, from notebooks to fine nibs to the perfect traveler's mug for your fixie pannier sidebag. Just beware: it's pretty tempting to pick up something for yourself.

The meditation techniques below are designed to help you harness creativity by encouraging you to take time to pause and bring a more intentional approach to your work. They’ll help you cultivate a designer’s mind, characterized by:

• An open and curious mindset that can look at challenges from many angles.
• A rigorous and organized methodology for thinking holistically about a problem.
• Clear visual and verbal communication skills to work through and articulate potential solutions.
• A positive and optimistic outlook that can transform problems into solutions.

Here are 3 exercises to try out that should kick start your creativity:

1: Flowing River

If you’re feeling stuck with a problem you’ve been working on, taking a walk around the block or grabbing a breath of fresh air are both useful exercises, because they allow you to leave a problem behind and come back to it with fresh eyes. In that same vein, this first exercise is a highly visual and engaging way to clear some of the noise in your head.

Close your eyes and picture yourself sitting on a large, smooth rock in the middle of a river. It's up to you how big or powerful the river is, just make sure you feel comfortable on the rock you're on, and turn to face directly upstream. Sit there for a moment and start to breathe steadily, adjusting yourself to make sure you’re comfortable. Now look up the river, and whenever a thought enters your head allow it to float down towards you. Recognize what it is, give it a nod if you need to, and let it continue to float past you down the river. As other thoughts, worries, or memories come up, continue to picture them floating by until all you see is a clear-flowing river ahead. Take a deep breath and open your eyes.

2: Cloud of Gold

Sometimes when you feel overwhelmed by your to-do list, the natural tendency is to work harder and longer, and sacrifice things like taking walks, having an enjoyable lunch with a friend, or taking the time to let your mind wander. This exercise is designed to instill a feeling of optimism and positivity throughout your mind and body.

Close your eyes and imagine that a soft, delicate, golden mist is surrounding your head and shoulders. It might be swirling very slowly or just hanging there in space. It’s the most beautiful thing you can think of, and when you take a breath it fills your lungs with a wonderful sensation. Now start to focus on your breathing, taking steady and slow deep breaths. Start by focusing at the very top of your head, and as you inhale, visualize the mist filling that region. When you exhale, picture anything negative or unhealthy leaving that part of your body and being replaced by the gold mist. This might look like some kind of pollution leaving your system, maybe a dark mist that you want to expel and forget about. Once you’re comfortable breathing in the good and breathing out the bad, slowly start to move down from the top of your head, taking a breath or two for each area you recognize. You might want to spend more time on certain areas, like your eyes if they’re tired, your neck if you’re feeling sore, maybe somewhere inside your head if something’s been troubling you. Continue towards your toes until you’ve filled your entire body with the gold mist and can feel it moving through all your veins. Open your eyes and stand up.

3: Clay Mind

Find a ball of clay, or something else you can sculpt with your hands. You want it to be about two inches in diameter.

Think about one thing you are working on at this moment. Now that your mind is clear and healthy, this is a chance to practice deep focus and put some love towards something you might be struggling with. Our brains are intimately connected with our hands, and this exercise takes advantage of the fact that we aren’t often reinforcing that connection.

With your eyes closed, hold the clay in your lap with both hands in front of you. Imagine that the ball of clay represents that challenge or problem you want to focus on. Take a minute to warm up the clay with your hands, not thinking too hard, just move the clay around and allow it to grow into different forms. What are different shapes it can take? Once it has turned into a smooth rounded shape, imagine that it represents everything connected with your chosen challenge, a tiny universe you can mold and explore freely. Continue to roll the shape around in your hands. Now stick your fingers into the center of that world and slowly turn it inside out. What do you see? Allow the inverse world to be worked back into a round shape once again. Next roll it between your palms into a long worm and think about what that represents. Could it be a timeline? An alternate reality? A way of looking at different elements of that world in a more linear way? Now divide your clay in two parts, assigning meaning to each part. Continue to subdivide into small pieces until you’ve exhausted the amount of elements you can assign a meaning or role to. What do you see? Is there anything you haven’t recognized before? Lastly, gather the pieces together and form them into a smooth shape again, and begin to slowly increase the pressure on it until your hands are holding it so tight they can’t move any more. Take a deep breath to allow that world inside you, and as you exhale let it go.

Illustrations by Adam Hilborn.

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We live in a world that values extroversion, production, and a lean approach to business and product development. Companies that embrace those ideals may be effective at pushing an idea out into the world, but might they lose something valuable to the creative process along the way? Like reflection, mindfulness, and a clear head?

Short answer: Yes.

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In design and innovation projects, we are always trying to understand constraints, eliminate uncertainty, and ground ourselves in the problem. But in any creative exercise, there is always a moment when the individual or the team needs to take a leap. And when that leap happens, you want it to be as dramatic, confident, and exploratory as possible. Put another way: There is a moment in any creative process when you actually want to maximize uncertainty. The Surrealist methods were aimed at achieving this, by embracing randomness and accessing the unconscious.

Here are five of of our favorite Surrealist methods:

1. Word Spinner

Make a list of 16 words that you find interesting, and number them. Cut out a circular piece of paper, write the numbers 1-16 on the circumference, and stick a pencil through the paper to create a spinner, like you'd use in a board game. Use the spinner to generate three numbers. Now write a poem or short piece of prose that uses the three words that correspond to the numbers.

2. Automatic Writing

This writing habit has been broadly adopted; it was featured, for example in The Artist's Way by Julia Cameron. The method originated with the Surrealists, who believed that forcing yourself to write whatever comes into your head without self-editing will lead to surprising creative breakthroughs. The easiest way to practice this is to set a timer, and then write without pausing for that period. Though uncomfortable at first, this practice can quickly become a valuable source of ideas.

3. Surrealist Collage

Artist Max Ernst invented this technique of cutting out imagery from multiple sources and reassembling it to create something surprising and new. He chose images of similar styles (for example, all black and white etchings) so that they all worked together in the final image. With so many images available to us in the form of magazines and junk mail, we all have the chance to become surreal collagers.

4. Frottage

This is a variation on the "found image" technique of collating. Instead of cutting images out of source material, take a blank piece of paper and a crayon or charcoal and look for interestingly textured surfaces from which to take rubbings. Layer several rubbings on top of each other to create an entirely new image.

5. The Exquisite Corpse

The most famous of the Surrealist games, the Exquisite Corpse is an example of a chain game—a game in which a piece of creative work is passed from one player to another. This one began life as a writing exercise, with players taking turns writing nouns and verbs. (The game gets its name from the sentence that came from the first time it was played, "The exquisite corpse shall drink the new wine.")

Over time, the game morphed into its better-known sketching form, in which players fold a piece of paper so that one person can sketch a head, the next a body, and the last one the legs.

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There is more to surrealism than Salvador Dali's mustache or people wearing lobsters on their heads. The movement, started one hundred years ago, was founded on the idea that creativity could be accessed by lessening the controls of the conscious brain, and giving free rein to the unconscious. Today's neuroscience supports their thinking: There is evidence that imagination and day-dreaming takes place when we are not focusing our conscious attention.

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I help organizations cut through complexity by shaping how they show up, through brand strategy, identity, and storytelling.

Working at the intersection of brand and business, I bring an editorial eye and a bias toward making—turning ideas into tangible experiences that people can understand, trust, and believe in.

My work spans government, healthcare, financial services, media, and consumer goods, from launching Gen Z-focused ventures to building innovation labs and reimagining legacy brands. I relish moments of ambiguity and enjoy translating across teams, perspectives, and priorities to move ideas forward.

I started my career in editorial and digital design, shaping cross-platform experiences and identity systems in publishing and agency environments. That foundation still shapes how I work today: I’m detail-oriented, collaborative, and overreliant on the Oxford comma. I hold a BFA in Visual Communication from the School of the Art Institute of Chicago.

For 25 years, I've asked the same question: Who does this design exclude—and what are we going to do about it?

My work spans human-centered strategy, inclusive design, and qualitative research, with clients ranging from Microsoft, Google, and Verizon to the National Science Foundation, and San Francisco Unified School District.

Before IDEO, I taught elementary school in East Palo Alto and spent a decade doing design work with social service organizations—where I learned firsthand what it costs people when systems are built without them in mind.

I am currently writing User Error, a nonfiction book about digital access and the design decisions behind it. I live in Oakland, California.

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My expertise spans brand, communication, and product design across tech, education, the arts, and social impact.

I believe great work demands both high-level vision and obsessive attention to detail, and only happens through collaboration.

I bring an inclusive, hands-on approach and a deep understanding of business, which enables me to consistently deliver excellence while always asking why.

Before joining IDEO, I worked at the brand firms Pentagram and VSA Partners. I began my career as a designer, leading teams at the School of the Art Institute of Chicago and the Milwaukee Art Museum. I hold an MFA in graphic design from Maryland Institute College of Art and a BFA in communication design from the Milwaukee Institute of Art & Design, and have taught at some of the best design schools in the US.

I am responsible for IDEO’s long-term success in China and working with clients to use design as a tool to enable growth. Specifically, I have helped Chinese companies design holistic brand solutions through the development of their products, communication, services, and innovation teams, and I have helped multinationals expand their presence and influence in China.

I advise global leaders on developing China-led innovation and capabilities.

In over 15 years in IDEO Shanghai, I have worked on projects that use design to elevate the quality of the experience of healthcare products and services, streamline processes that increase productivity, create spaces and programs that promote and enable inclusive communities, and build next generation mobility solutions that are planet-positive.

Before joining IDEO, I worked at Philips Electronics and the Electrolux Group in Italy, the Netherlands, and Singapore on a number of breakthrough commercial products. I am a member of the Young President Organization in Shanghai.

Most AI products today are built for work—a space with clear problems and established systems. One founder noticed a gap: personal life is messier, harder to systematize, and mostly left behind by the AI boom. So she built Cue, a personal AI that lives inside iMessage and group chats, to go where the other tools haven't.

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In this episode, Becca Carroll, IDEO's Chief Strategy Officer, talks with Sida Li, co-founder and CEO of Shared Context Lab, about staying anchored to a human need while the technology around her keeps changing shape, why she treats her business model with the same rigor she'd bring to a product, and what it feels like to build a company at this particular, disorienting moment in AI.

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The conversation also gets into how Sida makes design decisions: the language Cue uses to describe itself, the tradeoffs behind building inside iMessage instead of a new app, and a real story about a business idea that didn’t pan out.

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This is the second in a two-part series profiling founders from IDEO's Startups-in-Residence program. The first conversation is with Johannes Seemann, founder of Sooner, on designing GenAI for the emotional side of money.

Most personal financial tools are built to run the numbers and optimize towards a budget. While that works for some, most people experience money as a lived relationship that does not neatly fit into a spreadsheet. Johannes Seemann and Becca Carroll discuss why money is emotional before it is mathematical, and what a human-centered approach to building a generative AI financial product looks like in practice.

Mina Seetharaman talks with Scott Shigeoka, author of Seek and Head of Curiosity Cultivation at the Eames Institute, about what distinguishes genuinely curious leadership from performative curiosity, how power dynamics shape curiosity, and why practicing curiosity can restore energy rather than drain it.

Mina Seetharaman talks with David Epstein, author of Inside the Box and Range, about why total freedom often produces average work, how leaders can design useful limits on purpose, and what organizations such as General Magic and Pixar reveal about the relationship between boundaries and creativity.