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.

1. Choose your creativity apps wisely

Try as many as possible, then edit them down to the few you use regularly and that can fit on your home screen.

If you're a writer, there are many notes apps that offer distraction-free writing (IA Writer, Daedalus). Day One is a great choice for people who use journaling as a creative practice. For photographers, there are a wealth of tools (pro-quality editing apps like VSCO, exotic image-modifiers like Prisma). My personal favorite is Over, which allows you to add text your photos via a simple, fluid interface.

For those running brainstorms in the non-digital world, 3M's Post-It app is a surprisingly effective way to capture a wall full of notes, then reorganize and export them to others apps. For doodlers, Procreate is the gold standard. (You might prefer to use this app on an iPad, unless you have eerily-thin fingers).

2. Curate inspiration feeds

Aside from tools, you’ll want apps that supply a steady stream of inspiration. Some obvious ones: the Kindle app for reading, Audible for audiobooks, and a well-designed podcast player (we recommend Overcast). Other good sources of waiting room material are the various read-it-later apps, such as Instapaper or Pocket, and if you’re still reading this post, the Longform app. One note of caution here: don’t overwhelm yourself with a pile of material that feels like work to get through. Delete regularly.

3. Audit your distraction

Ok, time to get real. How are you really using your phone? Are there certain apps or websites that you check repeatedly every day? Do you have habits that are vaporizing your time (We're looking at you, Facebook, Snapchat, Instagram, YouTube, Reddit).

If so, engineer some limits on usage. One simple approach is to put all the apps that distract you on a separate screen, or even to hide them away inside a folder—putting a bit of friction between you and your addiction. Use that brief moment of additional swiping as a reminder to ask yourself whether you *really* want to go down the rabbit hole. Might there be something better to do with your time?

4. Support your focus

When you do decide to commit to a creative task, there are a number of apps that can help support you. Many swear by the Pomodoro technique, which involves a commitment to focus for 25min chunks, with 5min breaks in between. There are many Pomodoro timers in the app store, though Apple's stock clock app works just fine, too.

If you’re easily distracted, try a white noise app. Rain Rain provides a vast array of variations on the sound of raindrops falling from the sky, alongside airliner and washing machine soundscapes.

For a slightly less boring selection of background sounds, fire up Spotify and search “ambient playlists”. Brian Eno's Music For Airports is an excellent writing companion.

5. Change your morning ritual

With all your apps organized on your phone, you should be all set for a more creative relationship with your device. You only need one more thing: discipline. One trick is to think about your "first apps.” When you grab your phone in the morning or after getting on the bus, what are the first apps that you open? Do you have a set pattern? Are those really the apps that you want to be opening or are you a slave to habit? Try opening a creativity enhancer first and see how that changes your perspective for the day.

And sure, we know you're not going to write a novel while waiting in line for an ATM. But instead of losing yourself in a Facebook fugue state, maybe you could take a minute to construct a groove in Figure, or play around with a photo in Prisma. There. Didn't that feel good?

Illustrations by Felicia Chiao.

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Is the iPhone the greatest tool for creativity ever invented, or its worst enemy? The answer is... both. On the one hand, the smartphone is the Swiss Army Knife of writing, research, photography, and planning tools. On the other, it is an attention-sucking black hole, consuming all of your free time in a gaming and social media vortex. Here are a few ways to make that computer in your pocket best serve your creative goals.

That's starting to change. With 76 million Baby Boomers gazing down that long, winding road, aid-in-dying laws gaining ground (California's passed in June of this year), and an epic list of recent bestselling books on the topic, many written by doctors, death is having a moment.

Which led us to ask: How can design play a role?

To find out, we teamed up with local hospital network Sutter Health, the Helix Centre in London, and the Ungerleider Palliative Care Education Fund to launch OpenIDEO’s End of Life Challenge. Thousands of people around the world participated, submitting ideas for tools, services, and platforms that might improve the way we prepare for and navigate the end of life.

Some incredible ideas came across the transom. Imagine the relief of a soundscape that cancels out the maddening noise of bleeping machines in hospitals, or a digital platform that provides respite vouchers for family caregivers who desperately need a break.

Struck by the volume of ideas the challenge generated, we wanted to make sure the momentum didn't end there. A team formed to send out a call to a loose network of healthcare professionals, designers, artists, storytellers, organizations, and individuals to see if it made sense to join forces and build a public event.

Re:Imagine End of Life kicks off Monday evening, October 24th, 2016, and runs through the week in San Francisco. With multiple events every night in San Francisco and the East Bay, there are plenty of opportunities to join the conversation.

Tonight (10/24), at Grace Cathedral, Dr. BJ Miller, Dana Cho, and I will lead a workshop on how design can play a role in the way we die. OpenIDEO Challenge participants Brad Wolfe, Ken Rosenfeld, and Yoko K will share the ideas they are developing.

Other highlights include:

• Death over Dinner at the Battery
• An immersive VR art experience
• How Doctors Die, with Dr. Ira Byock and Dr. Joon Yun
• An evening of stories and music with You're Going to Die
• Open conversations at Zen Hospice Project

Want to know more? The event's organizers can be reached at hello@letsreimagine.org.

No one knows when it will happen. Could be 30 years. Could be next week. What we do know is that we are all dying. And that how we die—perhaps the most important event human beings share—is something we never talk about.

Featuring commentary from leading thinkers in art, philosophy, business, and design, the publication draws out the modern day relevance of the period’s most iconic paintings. Paul's essay reflects on Pieter de Hooch’s work, "A Mother Delousing Her Child’s Hair", also known as “A Mother’s Duty.” I asked him to tell us more about the book, and why it should be on every designer's wish list.

How did you get involved in the book?

Marcel was an artist-in-residence at our San Francisco office. He’s a world-class designer and we learned a lot from him. Later, his team approached me about this project. They sent me a list of paintings and asked if any of them sparked anything for me. The de Hooch was the first piece I saw and I picked it straight away. At IDEO, we often take shocking or not-beautiful things and make them poetic. So a girl having her head deloused immediately struck me as a great human truth. I love that de Hooch has made it beautiful and celebrated it and used all this classic technique around it.

You say design acts as a witness to our smallest moments of triumph and tragedy. How do we witness increasingly broad challenges, like poverty and citizenship?

Tackling a big problem doesn’t mean you have to look for the big solution. It’s always the tiniest thing that begins the catalytic chain that unlocks things. I firmly believe that looking for the tiniest moment at the center of the human experience is the place to start. So you toggle back and forth and try to look for things that are both human and universal, and personal and individual.

I was in Kansas City the other day talking about the plight of the citizen, and at the same time we were telling very specific stories of people that we knew or had met that day. We were able to talk about citizenship at one scale, and still refer back to individuals. Nobody reacts to a segmentation study or a bar chart or a number, everybody reacts to a story. You have to find the meta in the micro.

Art does this, too. De Hooch does a fantastic job of telling a story in which I can recognize myself. I remember sitting there and the feel of my mother’s hand in my hair. I think design is about asking people to feel it in their own skin, remember their own experience. Good art makes you see yourself in the frame, and that is our work these days, too—to help join together small and big and to help people see themselves inside the big system.

What was your first impression of the book?

It’s beautiful. I think beauty is very important. Having beautiful things around you makes you feel alive. In the age of digital—which these days has become almost synonymous with disposable—it’s really nice to stop the train for a minute and put something in your hands that has heft, and is an extremely lavish, unapologetically gilded object. To me it’s like holding a piece of jewelry or going to the symphony. The sensorialist in me is awakened by this book and I’m very proud to have been included in it.

Paul Bennett has always had an appreciation of the Dutch Masters: “I love the craft of them, actually, the feeling of the pictures.” So, IDEO'S Chief Creative Officer jumped at the chance to contribute to designer Marcel Wanders' latest project, Rijks, Masters of the Golden Age, a lavishly gilded coffee table book that pays homage to the 17th-century masterpieces hanging in the Rijksmuseum’s Gallery of Honour.

That was 10 years ago. I was in high school in China, where a comic dork looked like this:

That ego-crushing was followed by a lot of self-loathing and Cheetos. But over time, the taste of Cheetos grew flat, and my hands started itching to doodle in physics class again. I decided to follow the method the editor suggested:

Before long, I was running my first monthly series in a halfway reputable magazine. That helped me edge up in the high school popularity rankings, and I got a few messages of encouragement from reader forums. Above all, though, the method helped me get into a state of comic flow; nothing else mattered when I was drawing. Even when I was failing in life and full of self-doubt, I could always fall back on my sketchbook.

Which brings me to Lesson #1:

But even when you’re following a proven method and trusting the process, there are a few dangers to watch out for when embarking on graphic novel projects. The Pain/Gain index, for example:

If the difficulty index K is too high, terminate! There are four levels of challenge in a graphic novel project:

Creating anything that requires more cognitive load than watching Game of Thrones after a full workday is challenging to begin with, which leads to Lesson #2:

For me, it’s about rewarding myself with things I’m fond of drawing: intricate landscape, fashion, and action scenes. Since I suck at writing dialogue, I’ve kept it to a minimum, and substituted in symbols and visual cues.

Here are four other things I learned while making graphic novels, so you don’t have to go through the same pain:

I’m at work on #6 at the moment, which is the most fun.

Coloring under progress

It’s the last step in a graphic novel I’ve been working on about living in a dystopian San Francisco of the future, where the scarcity of organic food leads its residents to fight to the death at grocery stores. The story is a dramatized observation of the on-going identity battles most San Franciscans face today. It’s a place where one feels simultaneously insider and outsider. You can be both a picky eater and burrito consumer, the root cause and the victim of jacked-up rental prices, and equal parts poseur and satirist of hipsterdom.

“San Franciscocoa” depicts a mundane but impossible feat of grocery shopping—buying a bag of cocoa powder that’s going into extinction.

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“Sorry, but it’s simply not up to the publishable standard.”

The editor handed me back my work, which took hundreds of hours to create. There was a long pause.

“You should try more live sketching,” she said, lowering her voice to soften the blow. “Build a strong foundation before finding your personal style.”

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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.