David Johnson and Terri Brady met at Harvard while both were working on master’s degrees in public policy. He became an investment banker, specializing in complex financial instruments like derivatives and options. She added a law degree from Columbia.
When the couple moved to Chicago and needed to figure out which health insurance plan to select from Brady’s employer, it felt natural for the duo to set up a spreadsheet. They’d simply calculate tradeoffs among the different plans, such as annual premiums and deductibles. After hours of frustration, however, the couple came to a realization.