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. Daily Worth (website & newsletter): A daily dose of financial news offering advice tailored specifically to women. It separates your financial life into four major buckets: Plan, Earn, Spend, and Live. Articles are easily digestible and engaging. Topics range from “Running your business like Beyonce” to “Increasing your willpower.”

2. Smart Couples Finish Rich by David Bach: Reading this changed how my husband and I manage our money. It intends to get you and your partner on the same page financially and moving forward as a team. Which can be good for your bank account, and your relationship.

3. How to Worry Less About Money by John Armstrong: Taking a unique approach, this book addresses our relationship with money rather than advising us on how to make more or spend less. It asks you to define your “money worries” and their origins as opposed to, say, dithering over “money troubles.” It made me realize that all relationships take introspection, nurturing, and work. Including my relationship with money.

4. Society of Grownups (Boston-based brick & mortar and online platform): Our friends at the Society of Grownups are a vast resource for fiscal education and advice. They are helping to normalize financial planning as a component of our daily conversations. In fact, my conversation with the young woman that kicked off this whole affair was one of many that inspired the creation of the Society of Grownups—a project that deeply inspired each individual team member to make fundamental shifts in their relationship with money.

Smart designers really do finish rich.

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Two years ago, I interviewed a young woman about money. Sitting in her living room in Southern California, I was struck by two things: One, I realized she was completely clueless about the role finances played in her life, and two, I realized that I was, too. So I set out to school myself. Here is a selection of my go-to money resources:

Detroit's auto industry is slowly speeding toward recovery. Kansas City's fierce foodie culture is helping it reclaim its status as "Paris of the Plains." And inspiring Chicago artists/urban-renewal impresarios like Theaster Gates are breathing new life into long-neglected neighborhoods.

As IDEO's official Midwest outpost, designers in our Chicago studio wanted to mark this "it moment" in the region's history with a series of talks exploring its past, present, and—as we see it—very bright future. We humbly call these prognostications about automobility, food, urban infrastructure, agri-tech, water, data, and more, "The Future of the Midwest."

As Midwesterners, we're said to be plainspoken pragmatists. But as designers, we can't help but be outspoken optimists.

But don't just take my word for it, hear what my fellow "ChIDEO" designers have to say.

WATCH: A series of provocations and prognostications on our beloved Midwest by IDEO Chicago.

What do Twinkies, skyscrapers, House music, and the Model T have in common? These (in)famous cultural phenomena all hail from the Midwest. At one time, the region was disregarded as "flyover country" by jetting-setting East and West Coast-types, but these days, the nation's Heartland is regarding itself with a new sense of pride.

It’s not just the squirrel that is looking at me. A cemetery employee purrs past in a golf cart, giving me the once-over. I am an intruder. The etiquette of cemeteries is strange. You come here for funerals, at which you’re allowed to be sad and to contemplate mortality. The rest of the time, you’re supposed to be getting on with your life.

I look up at the oak trees again. I recognize them from a video posted on YouTube by an Italian man. Like me, he was here looking for the grave of Steve Jobs.

Steve Jobs died in 2011, of complications arising from pancreatic cancer. Now he’s somewhere around here, just a couple of miles from his house, in an unmarked grave in the Alta Mesa cemetery.

I remember watching The Daily Show on the day his death was announced.

“For him to die young seems so strange,” said Jon Stewart. “With other people of his magnitude, like Henry Ford and Thomas Edison, you feel like we wrung everything out of them. They were old when they died. With Steve Jobs, you really got the sense… we’re not done with you yet.”

Looking at Alta Mesa’s barren grassy field, broken only by tarnished plaques and a couple of windswept bouquets, I wonder if Jobs would have ever got around to redesigning the death experience...

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I’m in a graveyard in Palo Alto, California. The sky overhead is cornflower blue. Wind rustles through surrounding oak trees. A squirrel trots out onto a tree branch and squints at me. It’s like nature is doing everything it can to emphasize the contrast between its own glorious aliveness and the utter deadness of the humans underfoot.

This clever new app and connected device allows aquarium owners to remotely check the health of their tanks. Recently, we spoke with Garrett Winther, an IDEO Chicago engineer by day and FishBit co-founder by night, about how he got involved in the scrappy seven-person startup and how they plan to win over the aquarium market—hook, line, and sinker.

What’s FishBit?

FishBit is the connected aquarium. Owning a large tank, especially a saltwater one, is notoriously difficult and expensive. Fish can die if the water’s pH levels change .1 percent up or down, so there are both emotional and financial stresses that come with owning a tank. FishBit allows owners to remotely control their tank’s chemical balance and keep maintenance activities on schedule.

How did FishBit start?

One of our cofounders, Nathan Levine, grew up with a fish tank. Then, he left for college and asked his dad to take care of it. When he came home for a visit, his whole tank was dead. It was one of those events where he asked himself, “There’s got to be a better way...”

Years later, when the Internet of Things became a reality, Nathan decided to do something about his remote-aquarium-monitoring idea. He’s an iOS developer. He knew how to build software, but he needed someone who could build physical electronic and mechanical prototypes. That’s where I came in.

What’s the development process been like?

My role has been less about final engineering and more about using human-centered prototyping methods to build FishBit the right way. We created the first working FishBit prototype with full sensors and an iOS app in just a weekend. Then, we showed the prototypes to aquarium owners in Chicago, got feedback, and iterated on the design—much like we’d do at IDEO.

What are you learning from being a startup?

How to nimbly prototype hardware and how to launch a product quickly into market. With FishBit, we launched on Kickstarter in a very limited fashion (just 30 Beta units) so we could put it into users' hands and start testing it in real-life situations. We hand-built those 30 units with CNC machines and some interesting molding technologies. Instead of waiting three weeks to have something professionally manufactured, we had something tangible in a few hours and learned something along the way.

What’s next?

We've fulfilled our initial Kickstarter backers' orders and made sure those Beta units lived in people's tanks safely and did everything they were supposed to. This February, we launched another Kickstarter campaign to sell our core product—the device and app—to the masses.

Do you own a fish tank?

I currently have a 30-gallon freshwater tank with three tiny fish in it. It’s challenging. Maybe when FishBit exists, I can upgrade to salt water.

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Owning a saltwater aquarium can feel like opening a can of worms, especially for nervous newbies. Tiny imbalances in pH, temperature, and salinity levels can mean the difference between life and death for Nemo and friends.

Thankfully, there's FishBit.

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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.