Mothers might say they'd go to the doctor. In poor countries, moms are usually responsible for their kids' health. But breastfeeding and traveling to the clinic take time, and research shows that health care is one of the first tradeoffs women make when they're too busy.

In the developing world, they don't have smartphones yet. They have the older plastic phones, but women are saving money on those, because they don't have access to banks. Having that access to digital money changes everything for her because she actually doesn't have to negotiate with her husband, which she will tell you is very hard in these circumstances, especially when the means are meager. She's expected to have money to pay for the kids' health or to help with the school fees.

If I really believe all lives have equal value, and if I use contraceptives, which I do, and if I'm counselling my son and my two daughters to use them, how am I not serving the women who don't have access to the contraceptives they need?

I went to business school, and I went straight from that to a nine-year career at Microsoft. Eventually, I ran a big chunk of the consumer products division for Microsoft.Then I left with the birth of our first daughter because Bill and I both wanted to have a few kids.

Philanthropy is not about the money. It's about using whatever resources you have at your fingertips and applying them to improving the world.

Any social or cultural change has to be made openly and with people agreeing. You don't get there by just pushing an outsider's point of view.

We look in our own backyard and say, 'How do we help at-risk families, at risk youth? How do we think through some of the problems affecting the Pacific Northwest and make some change there?'