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Juntos Finanzas, a budget-by-text program started at Stanford with a group of janitorial workers, is part Mint.com, part Weight Watchers. Now it's making real changes in the lives of lower-income workers. Saving money is hard for most people

What the world needs isn't more ideasit's better, more innovative systems for executing them, says author and ChangeLabs founder Peter Sheahan. More than a decade ago Peter Sheahan left his accounting job to work in a pub and manage a hotel in Sydney, Australia. Managing the staff of about 35 wasn't easy—especially difficult was relaying expectations to younger staff members