More than half of Americans don’t have the cash to cover a $400 emergency expense like a car repair or trip to the hospital. Taking that reality to heart, American Family Insurance, a Fortune 500 company that offers auto, home, business, and life insurance, was seeking a way to make an impact by helping people earn and protect—not just insure—the things they value.

American Family approached IDEO with an ambitious goal: to innovate in a way that would help working families—many of them existing American Family customers—who need a financial cushion in case of the unexpected. This new mission fell in line with American Family’s overall orientation toward increased social responsibility, including committing to a liveable wage for all employees, helping with student loans, and providing college scholarships and tuition reimbursement for employees’ children.

In early discussions, American Family thought people might need budgeting tools, but from the very first research interview, a different urgent need emerged: people needed a way to shore up their savings enough to protect against unforeseen needs. This same story came from numerous places. In Tennessee, the IDEO design team sat in the kitchen of a working single mom of four, who explained how her lifestyle was built around her extremely constrained budget. She couldn’t afford childcare, so she’d organized her home to allow her 11-year-old to watch the younger kids: partitioned snacks, timers on the TV, chore charts on the fridge. She managed her budget meticulously, it was clear, and she didn’t need new financial tools. What she really needed, she said, was extra income cushions so a surprise expense like a doctor’s visit or stretch investment like a kid’s basketball uniform wouldn't derail her plans. Like many of the people the team visited across the country, she didn't want to take on debt; she wanted extra work and the dignity and peace of mind that comes with it.

Could we, the team wondered, offer people who already have jobs the extra hours and income they need in a way that reduces, rather than exacerbates, the stress they already face? Would employers get on board?

The short answer was yes. Today’s businesses depend on on-demand work, including seasonal warehouse and retail shifts. Typically, companies look to temp agencies whose model is built on staffing with the goal of permanent placement. Moonrise enables companies to tap into a workforce that's already employed, allowing them the benefits of passive recruiting (reliability, consistency), but for short term work.

Knowing innovation was the path to growth, American Family took a chance by embracing a radically new brief: Create a service to help families living on the edge bridge the gap between the size of their paychecks and the size of their dreams. The result was a new business venture called Moonrise.

When customers told us that having an easy way to earn extra money could improve their lives, we were compelled to pursue a solution. Moonrise is a business with a human-centered mission. We’re proud it’s part of our American Family.

Jack Salzwedel, Chairman & CEO, American Family Insurance

The Moonrise platform lets workers sign up for shifts with partner organizations through a simple text message interface, and get paid as soon as their shifts are done. Employers who sign up to partner with Moonrise can list open shifts on the platform.

“Moonrisers” are W-2 employees of Moonrise, not contractors, so they don’t have to pay self-employment taxes. They also get personalized business and comment cards to take to job sites, making their interactions with employers feel more professional. In this way, Moonrise helps workers not only build a buffer against unexpected bills, but also explore new positions and fields—and perhaps even land new full-time work with Moonrise partners.

To test the program in real time, IDEO and American Family assembled 11 Moonrisers, six employers, and a team of designers and programmers to work out kinks in the platform. During a one-week live pilot in Wisconsin, Moonrisers finished a combined 28 work shifts, earning an average of $121 each, while IDEO designers worked behind the scenes to keep the process running smoothly.

Based on the success of the pilot, American Family created a new startup company called Moonrise, which became a wholly owned subsidiary of American Family. Moonrise launched to the public in the Chicago area in 2018, with plans for an eventual nationwide rollout. Moonrise signed Enterprise Rent-A-Car as its first employer and actively matches workers in Chicago with shifts, while continuing to build more corporate partnerships.

Since launching in 2018, over 7,000 people have applied to become Moonrisers, more than 7,000 shifts have been fulfilled, and over $500,000 has been put into the pockets of hardworking Moonrisers. Additionally, Moonrise will be expanding into 3 additional states in 2019.

IDEO and American Family Insurance interviewed customers of The General—a division of American Family—about how they budget to make ends meet. In this conversation, customer Chandra told designers how $62 could be the difference between breaking down and breaking even for her family.

It’s not always easy for established companies to innovate, especially outside their core business. But innovation is a high priority for American Family. Creating an employee -centered startup like Moonrise solves an urgent problem and distinguishes them from their competition. Together, American Family and IDEO identified a pressing human need and built a program from the ground up to meet it.

For 6-year-old Dave Jr., a long line at Disneyland triggered a massive meltdown. His parents were concerned and a little embarrassed, but not surprised; Dave Jr. struggled to keep his emotions in check.

Hoping to help, Dave Jr.'s uncle, entrepreneur Craig Lund, joined forces with researchers at Harvard Medical School and Boston Children’s Hospital, along with a video game designer who had worked on Quick Hit and NBA 2K. Together, they set out to design something that could teach coping skills to kids like Dave Jr. who need to manage “big emotions,” as well as children suffering from anxiety, ADHD, and other behavior issues, which are on the rise.

Their collaboration resulted in a video game called Mightier and a startup called Neuromotion Labs—a 10-person team of psychologists, game designers, and engineers who embedded at IDEO Cambridge for a one-month sprint to improve the game and get ready for launch.

To play Neuromotion's game, kids are first taught simple, calming breathing exercises. During gameplay, kids wear heart-rate monitors on a wrist or arm that detect spikes caused by stress or anger; as their heart rates go up, the game's difficulty increases. Kids have opportunities to pause and try deep breathing to counter the ramped up challenge. As it turns out, "gamifying" restraint builds strong incentives for kids to take charge of their emotions—they have to if they want to win.

Already activated around boosting mental and emotional health, IDEO's design team worked side-by-side with Neuromotion to study how parents and children experience Mightier. From home visits to group interviews to a summer camp-style design session with kid players, live feedback fueled the next iteration of the gaming platform and better product-market fit.

IDEO helped Neuromotion hone the visual design and mechanics of Mightier and expand it's suite of games. The team observed that the Mightier program was more successful the more involved parents of players became, which revealed a need for additional resources for adults. So they created new supports, including a more detailed orientation and a personalized coaching service for parents staffed by trained therapists.

But can a video game actually help kids cope? Early peer-reviewed studies showed that playing Mightier reduced outbursts by 62 percent, oppositional behaviors by 40 percent, and parental stress by 19 percent. After 12 weeks of using Mightier, a survey of kids and parents showed that 96 percent of parents saw positive behavior changes in their children, while 92 percent of kids learned new coping skills.

Shortly after the design sprint, Neuromotion secured its next round of funding and officially launched Mightier’s array of “bioresponsive games.” The games have already been played more than a million times, and Neuromotion has measured more than a 100 million heartbeats. Mightier games are helping kids and families across the country.

What about Dave Jr.? Recently, his sister told Lund she "accidentally" bumped Dave Jr.’s bike off a pier and into the ocean. She was expecting an outburst of anger, but after eight months of playing Mightier, Dave Jr. stayed cool. His uncle couldn’t be prouder.

Many of us have let vegetables wither in the crisper drawer, or thrown out a child’s half-eaten restaurant meal, but the sheer scale of food waste around the globe is hard to grasp. According to the United Nations, about a third of the food the world produces every year—1.3 billion tons—is lost during production or tossed by consumers, with North Americans throwing out the most food per capita. The average American wastes enough food each month to feed another person for 19 days.

IDEO received a series of grants from The Rockefeller Foundation to find solutions, given the power of IDEO’s human-centered design approach to address systemic challenges. Through a number of projects with The Rockefeller Foundation and other organizations, IDEO designers from across the U.S. devised novel ways to tackle food waste.

For IDEO’s first initiative, designers tapped into the enthusiasm of the broader creative community, in partnership with The Rockefeller Foundation, the City of San Francisco’s Department of Environment, the Closed Loop Foundation, ReFED, and other groups. In the summer of 2016, OpenIDEO—IDEO’s open innovation practice—launched the Food Waste Challenge, asking how people might curtail waste by rethinking our relationship with food. Between June and October, more than 20,000 people from 113 countries took part in the challenge, tracking their personal waste and brainstorming solutions.

Challenge participants submitted more than 450 ideas. A team of food industry experts helped select the 12 top proposals, which included software to help people buy food collectively from wholesalers and a service that delivers extra meals from corporate events to those in need. Ultimately, the Closed Loop Foundation chose to award Full Cycle Bioplastics a $50,000 grant to scale up its idea to convert inedible food and paper waste into a fully compostable alternative to oil-based plastic.

At the conclusion of the Food Waste Challenge, OpenIDEO launched the Food Waste Alliance, a platform for participants and experts to stay engaged with the most promising ideas and innovators. The alliance helped entrepreneurs share resources, prototype new concepts, secure funding, hire staff, and form partnerships. OpenIDEO invited hundreds to join the alliance, and 92 percent of members told IDEO they made progress in their work as a result. One member company, RISE, received funding from another participant who discovered RISE through the alliance. This investment let RISE prototype its concept for milling spent grain from beer brewing into flour for baked goods and ultimately join the prestigious Food-X accelerator.

The Rockefeller Foundation also supported IDEO’s work with City Harvest, a New York organization that collects 160,000 pounds of unused food each day and delivers it to soup kitchens and food pantries. City Harvest wanted to understand the habits of local families who visit food banks in an effort to ensure all the food the group distributes gets eaten. To get a peek into these families’ kitchens, in January 2017, IDEO researchers conducted observations and interviews across New York City’s five boroughs. Pantry customers cooked for the researchers, giving them an inside look at how the families engaged with the food they had available and what food meant to each of them: tradition, stability, even adventure. Based on insights from pantry visitors, IDEO made recommendations for City Harvest, including community-run cooking classes and a way for families to request specific foods or reserve pick-up times by text message. IDEO also created three video vignettes to help build even greater empathy between City Harvest and the people it serves.

In spring 2017, capping IDEO’s work with The Rockefeller Foundation, the organizations teamed up with World Wildlife Fund and Hyatt hotels in Florida, New York, and New Jersey to rethink all-you-can-eat buffets. IDEO studied diners and staff at Hyatt buffets and found that employees—from event planners to kitchen staff—each add a cushion of extra food to cover their bases, while guests overfill their plates to avoid missing out. In the end, diners eat just half the food organizers serve, while the rest goes to waste. This and other data-driven insights gleaned about diners’ habits led to subtle substitutions, including smaller plates of meats and cheeses that can be ordered from servers and individual pastries rather than whole cakes. These alternatives have not only built on Hyatt’s existing food waste management strategies, but have also helped reduce buffet costs at Hyatt Regency Orlando and continued to receive support from guests.

The problem of food waste is too enormous to ignore. Wasted food means squandered resources, lost money, and ultimately, hungry people—more than 15 million in the United States alone. Designers and innovators from coast to coast have helped find solutions to the crisis that fulfill a variety of needs, from preserving produce sent to food pantries to keeping plastic packaging out of the oceans. The Rockefeller Foundation and other IDEO partners are leveraging powerful design techniques to pave the way for a waste-free future.

In 2017, IDEO acquired longtime partner Datascope and integrated the company’s data scientists and engineers. Datascope team members aren’t just passionate data scientists; they’re human-centered designers who happen to work with data, as illustrated by successful collaborations like this one:

In today’s job market, there’s no such thing as being "done" with your education. This is particularly true in the fields of data science, machine learning, and AI, where significant advances are made on a monthly basis. To meet this need for more in-depth training, Metis—part of Kaplan—wanted to create a comprehensive data science program for students from all backgrounds. Metis asked Datascope to design the curriculum from scratch, drawing on the company’s deep expertise in the field.

Datascope spoke with practitioners across industries to identify the key skill sets that make them successful: a grasp of design; fluency with data management, coding, and algorithms; and effective communication with coworkers and the wider world. The team crafted a 12-week bootcamp that develops these specific abilities.

In order to prepare students for the work world, the bootcamp is structured less like a class and more like a company, where students are “hired” as data scientists—with projects to complete—starting on day one.

Students collaborate on group projects and presentations in a way that mirrors real workflows, and practice pair programming to learn from one another. Using techniques drawn from design, students are invited to refine their project briefs and continually reevaluate their approach.

Instead of a final exam, at the end of the course, students tackle five real-world, open-ended data science projects inspired by Datascope’s client work. One project involves using data from subway turnstiles to detect patterns in the volume of street traffic; another asks students to use data they scrape from the web to predict a movie’s box office profits using regression analysis.

After students complete the bootcamp, they receive an additional three months of career support, from mock interviews to site visits with potential employers. In addition to designing the curriculum, Datascope taught the first three student cohorts and helped Metis build its teaching team as it expanded the program from New York to San Francisco, Chicago, and Seattle. Metis now offers online courses, evening classes, and corporate trainings in data science.

If you’re going to take a data science bootcamp, it’s best to take one designed by data scientists.

Laughter erupted. Who in their right mind names their blog after an invertebrate?

A few days later: Headlines pour in about a spunky boneless creature, affectionately named Inky, who’d popped the lid of his tank in the National Aquarium of New Zealand and escaped down a drain hole to the Pacific Ocean. The soccer-ball-sized cephalopod was instantly exalted by the Internets for his smarts, curiosity, and, it must be said, insistence on being free. One commenter crowned him the “world's greatest hero.” Inky now has 280 followers on Twitter.

Upon further investigation, it turns out that octopuses are the designers of the deep sea. They collect coconut shells as mobile homes, assemble the perfect number of rocks to narrow the opening to their dens, and use their water jets to clean their lairs, like 8-legged Marie Kondos.

Indeed, they’ve been observed doing all the things we prize here at IDEO: "Octopuses engage in play, the deliberate, repeated, outwardly useless activity through which smarter animals explore their world and refine their skills...." They’re supremely multidisciplinary, big-brained and emotional, and they may even be possessed of a soul.

A mollusc that designs its environs, can change color and shape, and sprays ink like an old-fashioned pen? What more suitable mascot for IDEO’s blog, we thought. And so we let Inky take over our masthead forevermore.

The Octopus is intended to be a drive-thru for quick hits of inspiration. Our designers will share their thoughts on craft—how that shows up in their Moleskines and Instagrams and blogs and fonts and posters. They’ll offer how-tos and hot tips and other occupational obsessions.

Last week's obsession was Inky, so we had Greg, a designer in our Tokyo office, draw him, and Derek, a developer in our Chicago office, set him afloat (watch this space—Inky will be reimagined by guest artists).

“He is such a curious boy,” Rob Yarrell, the manager of New Zealand's national aquarium told the Guardian. “He would want to know what’s happening on the outside. That’s just his personality.” We want to know what’s happening on the outside, too. And we hope you’ll follow along as we squiggle out of our tank, pour our baggy bodies into a narrow opening, and seek out a better-designed world.

Header image courtesy of National Aquarium of New Zealand

Our blog needed a name. Like millions who’ve started blogs before us, we sat around a table and tossed around ideas, most with “design” tacked on, like a fake mustache. Exasperated after many false starts, someone blurted, “Let’s just call it The Octopus.”

If you’re not careful, that is. If you have tendencies toward indulgence. If you’re running on four hours' sleep thanks to an incredibly wakeful baby who recently exited your womb and moved into your house. If you like food.

It’s not that the food is unhealthy, it’s that it’s so plentiful. A nicely stocked office fridge and pantry is one thing; day after day of roasted brussels sprouts, kale and beet quinoa, and lemon chicken thighs left over from catered meetings is another. Not to mention the green tea Kit Kats brought back from research trips to Japan, the home-baked butter biscuits whipped up by well-meaning office mates, the bottomless bins of chocolate-covered almonds and cheddar bunnies taunting you behind those cabinet doors. All right, maybe the food’s not the healthiest.

I needed a plan, a tool of some kind to wield wooden-cross-style in the face of so much vampiric deliciousness.

For most people the food at my workplace is a dream come true, but for me it quickly becomes a nightmare of unchecked indulgence. When I came back from maternity leave, I knew I needed help. I needed a plan, a tool of some kind to wield wooden-cross-style in the face of so much vampiric deliciousness. I found that tool in my iPhone camera and a Tumblr feed.

I Didn’t Eat This is a blog of all the food at IDEO I’ve managed not to eat.

Photographing treats gave me a different way to consume them. I still got to have my moment with that cookie. While framing it up on my phone, I could savor its delectableness and availability—its sultry, loose, wanton availability, just sitting there on that napkin all alone—but then, instead of popping it in my mouth, I'd just hit a button and move on. I’d leave satisfied, yet the cookie would remain. One of my coworkers remarked that when I snapped a pic, I was capturing the cookie’s soul.

Sharing the blog became important, too. Word got around the office that I was using I Didn’t Eat This as tool for behavior change. The accountability helped. With every post, someone would joke that they had, in fact, eaten it—all the spiced carrot cake with orange-scented frosting that somebody brought from home—and I told them that was great. The blog wasn’t about shame or guilt. It celebrated food. And it celebrated my growing ability to say no to it.

One of my coworkers remarked that when I snapped a pic, I was capturing the cookie’s soul.

And, amazingly, it started to work. I replaced one behavior with another and the pounds began to drop. True, my new habit kept the cupcakes out of my piehole, but its real power was that it made me mindful. I now experienced a moment of choice — of personal agency — when I spied something yummy in the kitchen. Did I want to eat that yumminess or take its picture? Taste the food or just toast to it?

I’m now about eleven months into this experiment and I wish I could say that sticky brioche french toast bites no longer hold my mind prisoner, but nothing is ever that easy. I will say, though, that the moments of agency build on one another. It feels good to be in control. Soon after I started the blog, I found myself dusting off the old food-tracker app, drinking more water, and eventually working out.

It’s rare that I stick with any behavior for more than a few months at a time, but whenever one slips out of reach, another is there to rise and take its place, like an endless supply of chocolate-covered almonds. Or another slice of spiced carrot cake with orange-scented frosting. Or a cheddar-cheese arepa with chipotle aioli, all cozied up in a handy to-go wrapper.

Maybe I better go free up some space on my iPhone.

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Here’s what they won’t tell you about IDEO, or for that matter any company where you might happen to work: It will make you fat.

Here’s what they won’t tell you about IDEO, or for that matter any company where you might happen to work: It will make you fat.

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.

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.