In 1982, a 21-year-old Chris Espinosa faced a familiar challenge in software design: satisfying Steve Jobs’ exacting eye.

And why letting people come up with their own ideas, and actually try those ideas, is almost always the best approach.

A good budget helps you reach your spending and savings goals. Work out your proposed household budget by inputting your sources of income and projected expenses into Kiplinger's worksheet below. You ...