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.

6:20 AM: Snooze

6:30 AM: Sweep

Sweep. Make the coffee, water the succulents, check out a few new product curation apps and services the team has been talking about. While riding the bus across the Bay, I read about immigration patterns and how they affect consumers in North America. Staying inspired is part of our job, so I try to start each day with a healthy dose.

9:00 AM: Birthday shenanigans

Today is my teammate Julian’s birthday, so we surprised him with donuts and orange juice—his morning elixir of choice!

9:30 AM: Sketching and 3D modeling

My team’s current project is to reimagine the shopping experience for a large retailer. To prepare for a review with the team, I do some sketching and 3D modeling of in-store display concepts. We are a diverse and interdisciplinary bunch, so it helps to bring everyone’s ideas together through visualization.

10:30 AM: Design review with the team

We do team check-ins throughout the day, talking through our ideas to make sure we’re meeting user needs and pushing the integration of digital behaviors and physical environments. Today, we’re critiquing a bunch of sketches of critical shopping moments that we’ll prototype later. We’re considering how digital projection can add ambient information and subtle interaction to a physical display layout.

11:30 AM: Creating a physical study model

In preparation for our prototyping session in the IDEO Shop, we use a rough physical model to map out the experience of the future retail environment. A small-scale model lets us discuss all the ways shoppers might interact with a brick and mortar store—from browsing to comparison shopping, saving for later or checking out and having things shipped home. It’s helpful to keep our work quick and dirty, so that we have a model that lets the entire team walk through design points together.

12:00 PM: Julian’s birthday lunch

Continuing the festivities, we pop out of the office to get a bite of Scandinavian-inspired eats.

1:30 PM: Field testing and 1:1 prototyping

Time to refine the rough mock-up made in the office and rebuild it in a live retail environment. We wear jumpsuits to suggest how we want the client’s brand to evolve (and because jumpsuits are cool).

The prototype begins outside the store with a simulated mobile shopping experience that ushers shoppers directly to our redesigned displays. The point of the prototype is to test a store layout that could feel like an extension of a mobile shopping experience. Think curated themes, minimal options, and intuitive product comparison interactions. Turns out, some things they hate, some things they love, and a few things don’t make sense to them at all! All of that is great feedback for moving forward, by the rock-and-roll rules of prototyping. Achieving a realistic level of physical interaction while keeping the design at a prototypical level is key to getting honest feedback. We draw our insights from watching how users interact with the space, as well as their answers to directed prompts.

7:30 PM: Teach

My nightcap is heading to California College of the Arts, where I teach a class about physical space and digital interaction titled “Objects & Space.” We work with sensors, hack projectors, control motors, glue, and foamcore, and build our way through code, all in the spirit of figuring out what the environments designers of tomorrow might do.

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When people ask me what I do for a living, I say, “I use space to explore design solutions.” It might sound like I work for NASA, but what we environments designers actually do is consider how physical space influences human behavior. Much of my time is spent sketching, making models, building walls out of foamcore, miming, turning off the lights, rendering, and doing my best to break feng shui. Here's a breakdown of a typical day:

The purpose for these hybrid safety specs is threefold: I can post images of our projects or build steps to my Snapchat account, save the videos for internal documentation, and also create more structured build logs.

I’ve been using them for the past week; they're super fun. Here’s how you can modify your own pair:

1. Buy the Snapchat Spectacles directly through their website.
2. Get some $29 clear replacement lenses for the tinted ones that come with the Spectacles. I bought mine from GlassesUSA. If you require a prescription, you can have them made with prescription lenses for the same price!
3. Get some protective side shields.
4. Modify the side shields to fit the glasses. This means you will need to cut the tops and center-front part off of them like so:

You can now use the supplied O-ring to attach the shields to the Snapchat Spectacles. They should now look like this:

The Snapchat app makes it really easy to edit 10-second Snaps into a build story. I even made this display rack to show them off:

Check out this video (recorded using the Spectacles!) that shows how I made the display rack:

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A few weeks ago, while I was in our workshop, I had an idea: If I could modify Snapchat’s Spectacles into a pair of safety goggles, I could document our projects without ever picking up a camera.

In one sentence, who are you?

I'm a 37-year-old Tokyoite with a mane that's swiftly moving from Pauly Shore to Kenny G.

What do you do? How did you learn to do it?

I do interactive design and Japanese literature. I learned the former at NYU's ITP program, and the latter from my amazing high school Japanese teacher Susan Tanabe.

What are your 3 favorite possessions?

1. The Twitter app
2. My mint copy of Zik Emmy's "Perfect Change"
3. My engraved Tamagoyaki frying pan

What does a typical work session look like?

To me, code is like jazz, man. Improvisation. I've got a synth—a Korg MS-20—and I run the input through Max MSP. Max interprets frequency to the nearest quarter tone, and white keys are mapped to reserve words in my current coding idiom, while black keys spit out numbers. There's not a lot of reserve words in programming, so all I need to do is throw on a fatback beat and just jam.

(J/K—coding is mostly just copy-pasting stuff from Stack Overflow.)

Pierre Menard and the infinite monkeys. Created using openframeworks, a series of openGL shaders, and about 48 hours of processing. The image is drawn using images Googled from the lyrics to the album "Irresistible."

How do you get over creative block?

I'm not "real-time" at all. I'm useless in a brainstorm, and even worse at a Q&A. First dates are a disaster, and job interviews are even worse. Whenever I'm asked something, I wish I could pause the world and go on a nice walk through Shinjuku Gyoen, because I know that right around the fifteen-minute mark, when the blood starts moving, I'll find the right idea, the right reply. Working alone is great because you have this affordance, but sometimes in groups it's hard to say, "Hey y'all, keep brainstorming, you're doing a great job. I'm just going to go take a lil perambulation, if you can just hold that thought until I get back?"

I'm also usually most creative when I'm working with some idiom or technology I've never touched before. Figuring something out for the first time is the best way to have ideas about how to use it. People like to rap about reinventing the wheel, but I feel like reinventing wheels is how we come up with bicycles.

What was the last item on your to-do list?

I have this great translation I did of Aida Makoto's novel, Youth and Perversion. I need to nudge him about rights, because it's really a sterling translation.

How do you see the world in 2078?

(Assuming a Werner Herzog mien.) I must confess, I'm pessimistic. I think we'll either have a benign socialist matriarchy, or else it will be a hellscape. My expectations have not been appreciably bolstered by the last year of world history.

What’s your number one bucket list item?

I'd like to get into hang-gliding or some other flying sport. I'm banking on somebody from IDEO designing an affordable, eco-friendly personal flight module.

Who are you creative crushin’ on lately?

Mohri Yuko, a great Japanese interactive installation artist.

Kevin Freeny, funniest man alive 16 years running.

As a longtime resident of Tokyo, Matt Fargo finds ways to make Japanese culture more fun for everyone. He's written books about speaking dirty Japanese, created dynamic audio and visuals for musicals featuring dancing dogs, and built games for Tokyo train riders. He’s one of those restless creative people who just goes forth and makes. Before living in Tokyo, he spent time creating interactive experiences for Second Story in his hometown of Portland, Oregon. He's since continued his quest to build weirdness into technology through his work at Party. Let’s peek into his brain, shall we?

Sometimes the questions are serious (“How might we better design for equity—inclusion, diversity, ageism, access, technology, etc—for all?) and sometimes they’re playful (“What’s your favorite restaurant in the Bay Area?”). But no matter what type of question goes up, the responses are always intriguing.

Our latest bathroom installation asked: “What book are you currently reading?” I’m always on the hunt for a good read, so I couldn’t be happier with the bonanza of recommendations. Dig in:

4321 ◆ A Fine Balance ◆ A Man Named Ove ◆ A Manual for Cleaning Women ◆ Amazon Beaming ◆ Americanah ◆ Barbarian Days ◆ Being Mortal ◆ Beyond the 100th Meridian ◆ Big Magic ◆ Borne ◆ Brida ◆ Celine ◆ Commonwealth ◆ Como Agua Para Chocolate ◆ Danny the Champion of the World ◆ Dark Forest ◆ Devil in the White City ◆ Dolly - My Life and Other Unfinished Projects ◆ Dreamblood Duology ◆ East of Eden ◆ Essentialism ◆ Exit West ◆ Facebook ◆ Faith of the Fallen ◆ Far from the Tree

Gut ◆ Heat ◆ Homo Deus ◆ Life Over Cancer ◆ Lovie ◆ M Train ◆ Mary Shelley’s Frankenstein ◆ Moon Tiger ◆ Mustache Shenanigans ◆ My Life on the Road ◆ My Year of Meats ◆ Neuromancer ◆ On Booze ◆ Origin of the Species ◆ Other Minds ◆ Pachinko ◆ Reality is Broken ◆ Sapiens ◆ Shoe Dog ◆ Stealing Fire ◆ Stories of Life and Others ◆ The ABCs of Real Estate Investing ◆ The Amazing Adventures of Kavalier and Clay ◆ The Circle ◆ The Collapse of American Criminal Justice ◆ The Drowned World

The Ethical Slut ◆ The Gene ◆ The God of Small Things ◆ The Gunslinger ◆ The Harry Potter Series ◆ The Incal ◆ The Interestings ◆ The Labyrinth of Spirits ◆ The Language of Food ◆ The Life-Changing Magic of Not Giving a F*ck ◆ The Lightbringer Series ◆ The Name of the Wind ◆ The Orphan Master’s Son ◆ The Quran ◆ The Sellout ◆ The Sixth Extinction ◆ The Sympathizer ◆ The Travels of Ibn Battutah ◆ The Unbanking of America ◆ The Unseen City ◆ The Vegetarian ◆ The Violet Hour ◆ Third Plate ◆ Topics in Calamity Physics ◆ Trials of Apollo II ◆ Yes, Please

What have you read (or listened to) on the list? And what are you curious to read? Tag your response on Twitter, Instagram, or Facebook with #bathroomread.

Visuals by Jane Ha.

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There’s one IDEO tradition you’ll only get to witness if you stop by our San Francisco office with a full bladder. Every few weeks, a new question goes up on the bathroom wall. IDEOers pop into the loo throughout the day, spend a few moments minding their own business, so to speak, and the wall fills up with answers.

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.