Tag: Derek Dunham

QUOTES

“Our lives have become incredibly easy. If you can find these small, healthy ways to stress yourself, you’ll become more resilient long term.” (Chris)

“If I’m choosing to get into this cold water, I’m choosing to go for a run—whatever it is—that positive stress provides a lot of benefits.” (Chris)

“You may not necessarily enjoy doing the hard thing, but you’re always happy afterwards.” (Chris)

“The more hard stuff you do, the easier it is to do hard stuff.” (Chris)

“I think we sometimes limit ourselves as we age in terms of what we think we can do based on our prior experience.” (Chris)

“You don’t need confidence to take action. It’s the inverse. By taking action, we build confidence.” (Chris)

“The wisdom. That’s what I see in my parents and the people I know who are older. I love sitting with them, talking with them and seeing their perspective. The ability to see the bigger picture continues to build as we get older.” (Chris)

“We get set in our ways with our community. Then suddenly you find this new world, these new connections, and realize that’s something you still can do.” (Chris)

“Pick something that scares you and do it. The more you do that, the more of a habit it becomes. That novelty is what keeps us feeling like there’s another challenge ahead.” (Chris)

“Never underestimate yourself. I think especially as we age, it gets easier and easier to say, ‘That’s not something I can do anymore.'” (Chris)

“Recognize the value of relationships. The older I’ve gotten, the more I’ve realized those long-term relationships are the ones you’ll really treasure.” (Chris)

NOTES

Chris Ballard is an award-winning journalist, bestselling author and longtime Sports Illustrated senior writer known for deeply reported stories about human performance, resilience and the psychology of achievement. His latest book, The Plunge, explores the physical and mental benefits of cold-water immersion through science, personal experience and compelling storytelling.

Sports Illustrated is one of the world’s most recognized sports media brands, known for long-form journalism, investigative reporting and award-winning storytelling. During his career there, Ballard has covered some of the biggest names and moments in sports while also writing books and features that examine performance, purpose and personal transformation.

The Plunge: Maverick Swimmers, An Unlikely Quest, and the Transformative Power of Cold Water was published in 2026 and follows a community of cold-water swimmers while examining the growing body of research around cold exposure, resilience and healthy aging. Ballard is also the author of The Butterfly Hunter, which explores people who found purpose by pursuing unconventional careers, and has written for National Geographic on healthy aging and lifelong fitness.

Cold-water immersion triggers an immediate stress response followed by a remarkable state in which the body becomes both highly alert and deeply calm. Repeated exposure may help reduce stress and improve resilience over time.

As people age, intentionally introducing small, healthy challenges—whether cold exposure, exercise or learning something new—can build resilience and improve both physical and emotional well-being.

Swimming is one of the best lifetime activities because it minimizes joint stress, improves circulation and cardiovascular health, and remains accessible well into older age.

Many older adults excel in cold-water swimming because life experience has strengthened their ability to persevere through discomfort. As Ballard learned from one athlete, “the more hard stuff you do, the easier it is to do hard stuff.”

One of Ballard’s biggest takeaways was that people often underestimate themselves as they age. Trying new experiences can reveal abilities and communities they never imagined possible.

Confidence doesn’t come before action. Instead, Ballard believes confidence is built by taking action first, even when the outcome feels uncertain.

Purpose becomes increasingly important later in life. Ballard found that joining a community, embracing shared challenges and maintaining meaningful relationships can provide direction, accountability and a stronger sense of belonging.

Ballard believes one of the best ways to continue growing is to regularly choose something that feels uncomfortable or unfamiliar. Novelty and challenge help people stay engaged, adaptable and excited about what’s ahead.

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The following is an excerpt from Your Best Path Forward by Brad Breeding, founder of MyLifeSite and a recent guest on Varsity’s Roundtable Talk podcast. Brad has spent more than 15 years helping older adults and their families navigate senior living decisions with greater confidence and clarity. Check out his full conversation with Derek Dunham on Roundtable Talk.

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In 1950, there were just over 12 million people age 65 and over in the United States, representing around 8% of the total U.S. population. Fast-forward 60 years to the time of the 2010 census, and there were approximately 40 million people age 65-plus, representing about 13% of the total U.S. population.

At that point, as baby boomers began turning 65 at the rate of 10,000 per day, the growth of this age cohort accelerated rapidly, expanding by another 40% over the next decade alone to reach 56 million, or roughly 16% of the U.S. population. The pace of growth in the 65-plus population between 2010 and 2020 averaged about four times the annual growth rate seen over the previous six decades.

This trend is unlikely to slow down anytime soon. By 2040, the 65-plus population is projected to reach 80 million, making up nearly 22% of the total U.S. population. To put this further into perspective, it is expected that within the next 10 years, for the first time in the United States, the number of people age 65 and over will surpass the number of people under the age of 18.

Not only do older adults make up a much larger share of the population today, but they are also living significantly longer. In 1950, a 65-year-old could expect to live about 11 more years, on average. Today, most 65-year-olds can expect to live roughly another 18 years—an increase of about 60%. And of course, many will live well beyond this average, but often not without chronic health conditions requiring some form of long-term care.

This rapid growth in the older adult population, combined with their longer average lifespans, has far-reaching societal implications, placing additional strain on our healthcare systems and federal programs such as Medicare, Medicaid, and Social Security, while simultaneously reshaping the labor force and economy. It also brings significant societal challenges, particularly in the availability of paid and family caregivers to support our aging population.

AARP prepared a study in 2013 analyzing the caregiver support ratio in the U.S., which measures the number of potential family caregivers age 45 to 64 for each person age 80 or greater. At the time of the report, there were more than seven potential family caregivers for every person in the high-risk age group of 80-plus. However, the report projected that by 2030, the ratio will decline sharply to 4 to 1, and it is expected to fall to less than 3 to 1 by 2050—a time when nearly all baby boomers will be in the high-risk years of late life. If this projection holds, it will represent a nearly 60% decline in the availability of family caregivers over those 37 years.

Adding further concern to the decline in both paid and family caregiver support is the fact that the number of “solo agers”—people who are growing older without support from a spouse/partner or adult children—is simultaneously increasing in the United States. Since the caregiver support ratio referenced previously only accounts for potential caregivers age 45 to 60, it does not include most spouses and significant others, who are often the first to bear caregiving responsibilities. Yet, the number of individuals age 80-plus who are solo agers is rapidly increasing. According to the Joint Center for Housing Studies of Harvard University, there were around 4.5 million people age 80 or over living alone in 2018. By the year 2028, this number is projected to jump to nearly 7 million and then to just over 10 million by 2038.

These statistics raise an important question for our society. Where and how will older adults live and thrive? For far too long, our society has taken a mostly reactive approach to addressing the lifestyle and healthcare needs that we may face in the later years of life. All too often, individuals and families wait until a significant health event occurs before evaluating their options, shifting into crisis management mode without the resources, flexibility in schedule, physical ability, or emotional capacity to handle such a task. Yet, the above statistics make it startlingly clear that it’s more important than ever before to plan for your future, especially for those living alone or without available family caregivers.

Making a plan

While the rate of aging differs from person to person, financial planners and other professional advisors often segment retirement planning into distinct phases. Recognizing that the entire concept of retirement is being redefined, with more people choosing to work beyond the traditional retirement age of 65, planners generally view the early years of retirement as a transitional phase, often lasting about five years after someone retires from their career. This period is marked by the need to reevaluate spending habits, adjust income strategies, and settle into a new daily routine. For many, it’s also a time of rediscovery—figuring out what brings purpose, structure, and fulfillment now that work no longer defines their schedule or identity.

For a person in average to good health, the mid-retirement phase is commonly thought of as the period beginning around the early to mid-70s and lasting until the early 80s, or as long as the person remains able-bodied and high-functioning. Many individuals in this phase can live an independent and active lifestyle today, but this is likely to change as they age.

The late phase of retirement begins when a person’s health has declined to the point of requiring daily living support with little chance of restoration. Statistics from the American Association for Long-Term Care Insurance reveal that nearly 70% of all long-term care insurance claims begin after age 80. At this stage, the goal is that all the planning done during mid-retirement helps to make the transition as smooth and supportive as possible, ensuring a higher quality of life despite the potential for increasing care needs.

If you are approaching or in the mid-retirement phase, now is the time to plan for your later retirement years, while you are still active and able. Delaying important decisions about tomorrow’s needs may leave you and your loved ones facing difficult and often costly situations in the future.

One of the more important and complex decisions to consider in this planning process is where to live. The home and environment in which you live during these retirement phases play a significantly larger role in planning than many people realize and will likely impact nearly every aspect of your life and overall well-being.

Purpose of this book

Beyond motivating you or your loved ones to start planning, the primary goal of this book is to provide clear, straightforward information on the various retirement housing options- including aging in place- while also exploring the key considerations, benefits, and potential challenges of each. It is designed as a launching point to begin the research process as you contemplate the best retirement housing choice for yourself or a loved one with the understanding that even where you live today can potentially shape your future. No single choice is right for every person, and the path that is ultimately best will depend on your own unique set of circumstances and preferences.

There are numerous terms and labels used within and outside the senior living industry to describe the various living options. In this book, I will categorize each type of retirement community and clarify much of the terminology. Still, I urge you not to get too caught up in specific labels because a single term may be used in different ways by different people or organizations. By helping you understand how various retirement living options work and what to look for, you can consider how those options align with your desires and objectives without focusing so much on the labels or terminology.

As you learn about the various retirement living choices, keep in mind that paying for care and access to care are separate issues. For instance, owning long-term care insurance or having a substantial level of savings and assets will help pay for care, but it does not address the other aspect of the issue: where and how your eventual care needs will be provided and the impact it could have on your overall health and well-being.

Remember: You cannot possibly plan for every contingency because it is impossible to know exactly what the future holds, but by understanding the options, considering the pros and cons of each, and having advance conversations with loved ones, medical professionals, senior living providers, and other professional advisors, you can minimize and possibly avoid many headaches (and heartaches) in the future.

QUOTES

“We’re trying to reduce confusion among consumers, and we’re trying to help reduce financial anxiety around this decision.” (Brad)

“If people are confused about senior living or have concerns about affordability, they’re not going to move forward. Those are the things that delay the decision process.” (Brad)

“People don’t often understand that two communities may look very similar but actually work very differently and may be priced very differently.” (Brad)

“It’s so important to think not just about today, but about the future. Not just what it costs today, but what it could cost over your lifetime.” (Brad)

“Moving to a life plan community used to be celebrated as the last move you’d ever have to make. Over the years, I think that almost became a negative because it felt like such a final decision.” (Brad)

“It’s more important than ever to spend time in a community before you move, getting to know residents and making sure it feels like the right fit.” (Brad)

“Caring for a loved one is a privilege, but you also can’t deny how incredibly difficult the caregiving role can be emotionally, physically and even financially.” (Brad)

“What’s really important to me in my life right now, and why? That’s the real starting point.” (Brad)

“Nobody just wakes up and says, ‘I’m going to go check out senior living today.’ Something has caused them to start looking, and that’s what you have to understand.” (Brad)

“We feel the sales counselor should be the best resource someone has in this decision—not just someone representing a community, but someone helping them find what’s truly best for them.” (Brad)

“People just want a place where they feel comfortable, can be themselves, live with people they like, get up every morning, get involved with something and just be happy.” (Brad)

“When I ask residents what they like most about living here, the most popular answer I get is, ‘The people.'” (Brad)

NOTES

Brad Breeding is founder of myLifeSite, author of the newly released Your Best Path Forward and a nationally recognized speaker on senior living decision-making. A former financial advisor, he has spent more than 15 years helping older adults and their families better understand senior living options, financial planning and the aging journey.

Read an excerpt of Your Best Path Forward on the Varsity website.

myLifeSite is a consumer education and financial decision-support platform focused on helping families navigate senior living with greater confidence. The company also partners with senior living organizations, providing educational content and financial planning tools that help prospects better understand their options while supporting community sales and marketing teams.

Before founding myLifeSite in 2011, Brad worked as a financial advisor, where he saw firsthand how difficult senior living decisions could be for families. His newest book, Your Best Path Forward, is the third edition of his longtime consumer guide and explores the many paths available for retirement living. 

myLifeSite’s financial tools, including MoneyGauge, are now used by hundreds of senior living communities to help prospects evaluate affordability, compare scenarios and reduce financial uncertainty.

Brad believes one of the biggest barriers to senior living is confusion. Consumers often struggle to understand the differences between community types, pricing models and industry terminology, making it difficult to compare options.

Many people focus only on what they need today, but Brad encourages families to think about what they may need years from now. The best decision balances current lifestyle with future health, care needs and long-term financial considerations.

Cost concerns are about more than affordability. Many prospective residents worry about how a move could affect their estate, inheritance or long-term financial security, making education and financial transparency essential.

Adult children play an important role in the decision process, but Brad believes planning ahead can reduce caregiving burdens. He encourages families to focus on what provides the best care and quality of life, rather than feeling obligated to provide every aspect of care themselves.

Brad says the search process should begin with self-reflection. Before comparing communities, older adults should identify what’s most important to them, what concerns they have and what peace of mind looks like in the next stage of life.

Rather than acting only as salespeople, Brad believes community sales counselors should become trusted guides who educate prospects, answer difficult financial questions and help people determine which option is truly best for them.

While amenities matter, Brad believes relationships matter more. Residents consistently tell him the people are what they value most, making community culture, resident engagement and a strong sense of belonging more important than luxury features.

Looking ahead, Brad sees wellness and technology becoming even more central to senior living. He expects communities to rely more on partnerships, concierge-style services and holistic wellness programming that deliver greater value while helping residents live healthier, more connected lives.

QUOTES

“Everyone is an oldster. We deal with aspects of physical and emotional aging all the time. It’s not just an old person thing.” (Sari)

“We live in an ageist, youth-obsessed culture driven by capitalism. There’s money to be made by making aging a problem that needs to be solved.” (Sari)

“There’s no going back. You’re going to leave some things behind. That anxiety has morphed into curiosity about what other people’s experience is of getting older.” (Sari)

“When we’re not looking at ourselves in a mirror, we have these ideas of who we are that are based on past versions of ourselves.” (Sari)

“The intergenerational conversation happening on Oldster is helping people feel less trepidatious about aging. It certainly has for me.” (Sari)

“People kept telling me, ‘My life took off at 60… 65… 70… 75.’ They found new partners, new careers, stopped caring what other people thought and started taking risks. That really comforted me.” (Sari)

“Whenever we can really exhibit humanity in its truest form, it’s good. It reminds people they’re not alone in their humanity or their messiness.” (Sari)

“I like myself better than I ever have because I’ve become more myself. I’ve stopped trying to be who I think other people want me to be.” (Sari)

“I’m really just shooting my shot, and it’s paying off. As I get older, more confident and more skilled, I’ll shoot even bigger shots.” (Sari)

“I would say to anyone who feels behind in life: You do you. It’s okay not to be on track with everyone else.” (Sari)

“There is so much possibility in getting older. That’s one of the best things I’ve discovered.” (Sari)

“There isn’t just one right path. If you really listen to yourself and be your true self, you’ll find your right path. It might not match other people’s, but it will take you where you belong.” (Sari)

NOTES

Sari Botton is a writer, editor and founder of Oldster, a Substack publication exploring the emotional, cultural and personal realities of aging at every stage of life. A longtime journalist and essayist, she has become a leading voice challenging traditional narratives around growing older through deeply personal storytelling and intergenerational conversation.

Oldster is a reader-supported publication on Substack dedicated to reframing aging as a lifelong experience rather than something that begins in old age. Through essays, interviews and community discussions, it brings together readers of all ages to examine identity, relationships, purpose, grief, reinvention and the many realities of getting older.

Before launching Oldster, Botton served as an editor at Longreads, where she created the “Fine Lines” series that inspired the publication. She also edited the bestselling anthologies Goodbye to All That: Writers on Loving and Leaving New York and Never Can Say Goodbye: Writers on Their Unshakable Love for New York. She is currently working on an Oldster anthology expected in 2027, with plans for a podcast and television series that will continue expanding the conversation around aging.

Botton believes aging doesn’t begin at a specific age. She argues that everyone experiences aging throughout life as they move from one stage to the next, continually leaving behind previous versions of themselves.

She says our culture’s obsession with youth has turned aging into a problem to be solved, often fueled by marketing that profits from people’s fears about getting older.

One of the greatest benefits of the Oldster community has been creating conversations between generations. Hearing older adults share stories about finding new careers, relationships and purpose later in life helped ease her own anxiety about turning 60.

Botton believes one of the most overlooked realities of aging is grief—not only over physical changes, but also over saying goodbye to earlier versions of ourselves, changing relationships and unrealized dreams.

She encourages anyone who feels behind in life to stop comparing themselves to others and recognize there is no universal timeline. Every person’s path unfolds differently, and authenticity matters more than keeping pace with peers.

Rather than presenting an idealized version of aging, Botton believes sharing the messy, imperfect parts of life helps people realize they aren’t alone and creates deeper human connection.

Looking back on her own journey, Botton says growing older has made her more comfortable with herself, more willing to take risks and more interested in pursuing new creative passions. She believes aging brings far more possibility than most people realize.

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This collaborative article features insights from Derek Dunham of Varsity, MaryJane Fitts of Greystone Communities and Cameron Martin of The Highlands at Wyomissing following their presentation at the LeadingAge PA Annual Conference.

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Senior living waitlists were originally designed to solve a simple problem: hold future demand until an apartment becomes available. But today’s senior living consumer journey is far more complex than simply adding a name to a list and waiting for the phone to ring.

That’s why more senior living communities are rethinking the traditional waitlist model and moving toward membership-based programs designed to create earlier engagement, stronger emotional connection and more predictable occupancy growth. 

That topic was front and center during a recent presentation at the LeadingAge PA Annual Conference, where Varsity’s Derek Dunham joined MaryJane Fitts of Greystone Communities and Cameron Martin of The Highlands at Wyomissing to discuss how communities can transform passive waitlists into active membership experiences.

WHY TRADITIONAL WAITLISTS ARE FALLING SHORT

The conversation focused on a growing challenge facing senior living sales teams. Traditional waitlists often create long periods of inactivity. Prospects join, disengage and remain emotionally disconnected from the community. Sales teams spend time servicing depositors without always knowing who is truly ready to move. Meanwhile, demand for senior living continues to rise as the 80+ population grows rapidly over the next several decades.

Today’s prospects also move through the decision-making process differently than previous generations. Some are actively planning for a move within the next year. Others may be exploring options years in advance. Treating every prospect exactly the same creates friction for both sales teams and future residents.

THE HIGHLANDS AT WYOMISSING: A MEMBERSHIP MINDSET

The Highlands at Wyomissing offered a real-world case study of how communities can rethink the process. With a current waitlist of roughly 460 prospects and approximately 30 to 35 move-ins annually, the organization sees an opportunity to better align engagement with how prospects actually make decisions today.

Rather than treating every prospect the same, The Highlands is developing a tiered Future Residents Club built around different levels of readiness. The Reserve Club is designed for individuals likely to move within 18 months and includes a larger refundable deposit alongside priority benefits and incentives. The Explorer Club will focus on prospects who may still be three to five years away from moving but want to remain engaged with the community over time.

The organization also hosted focus groups with both current and future residents while developing the program. One key takeaway emerged quickly: simple was better. Prospects wanted clarity around expectations, benefits and next steps rather than overly complicated structures or processes.

BUILDING CONNECTION BEFORE MOVE-IN

The shift reflects a broader understanding of how senior living decisions are made today. Prospects don’t fall in love with floor plans or amenities. They connect emotionally to lifestyle, relationships and community identity. That’s why membership-based programs often include dining experiences, events, lifestyle access, downsizing support and financial planning guidance long before move-in occurs.

The goal is not simply to create more activity. It’s to create more meaningful engagement that shortens decision timelines, improves confidence and strengthens future occupancy pipelines. Communities also benefit operationally through clearer engagement paths, more intentional sales conversations and stronger prioritization of near-term move-ins.

The communities that win in the years ahead will be the ones that build relationships long before a move-in ever happens. Membership-based programs create that opportunity by turning future residents into active participants in community life earlier in the journey. 

Three hundred conversations in, and the spirit of connection is stronger than ever! Varsity’s 300th weekly Roundtable featured yet another thoughtful exchange, this time with nationally recognized downsizing expert and former Hoarders host Matt Paxton. 

“Downsizing should be an opportunity to share your generational stories and move to a better life. It should not be this overwhelming daunting task,” said Paxton during his conversation with the group. 

As a guest on Varsity’s weekly Roundtable, Paxton talked about the emotional side of downsizing. Why it’s never really about the “stuff,” but about the memories and meaning behind it. He shared practical ways to help people move forward, from starting small to focusing on what truly matters, all while honoring the past. Below are a few Fresh Perspectives from his discussion.

IT’S NEVER ABOUT THE STUFF, IT’S ABOUT THE STORY

What people hold onto isn’t clutter, it’s identity, memory and meaning. Until you address the emotional connection, you can’t unlock the move.

PEOPLE ARE STUCK BETWEEN PAST AND FUTURE

Many prospects aren’t resisting the move, they’re paralyzed by memories of the past and fear of making the wrong decision, keeping them from living in the present.

START SMALL TO BUILD MOMENTUM

Downsizing doesn’t begin with big decisions. It starts with small, non-emotional wins that create progress and confidence to keep going.

DON’T RECREATE THE OLD LIFE, CREATE A NEW ONE

The goal isn’t to replicate a former home inside a community. It’s to embrace a new chapter, new space and new experiences.

MOST “VALUABLE” ITEMS AREN’T ACTUALLY VALUABLE

Families often overestimate resale value. Outside of things like gold, most furniture and household items have limited financial return.

SERVICE AND TRUST DRIVE EVERYTHING

Whether working with residents or prospects, success comes from leading with empathy, building trust and helping people move forward, not just moving their stuff.

Varsity’s Roundtable is a weekly virtual gathering of senior living marketers and leaders from across the nation. For updates about future weekly Roundtable gatherings, submit your name and email address here.

QUOTES

“Theater has the great ability to bring people together in a dark space without anything to distract them. So everyone’s there to hear the same story at the same time. And when they leave the theater, they walk away with that story.” (Jerry)

“Live theater is a very, very special and unique experience that can only happen with that particular group of people you happen to show up with for the same performance.” (Jerry)

“I looked into her eyes and I saw a 19-year-old. She was so eager to be the best that she could be, even at that age. Here’s this young choreographer, and she was willing to listen and take the notes because I was out front watching.” (Jerry)

“Making musicals is like fishing with a net. You throw it into the sea. If it comes back with a lot of fish, you’re going to have success. But if it comes back half empty, you’re not going to run very long.” (Jerry)

“There are more letters in the word business than there are in show. My mom always used to say, it’s our job to get them to come back tomorrow.” (Jerry)

“By giving to my community and creating a safe space and raising money with the help of millions of other dancers and creative artists, that philanthropic event gave me a career.” (Jerry)

“Michael Bennett used to say to me, don’t wait for the muses. Just show up and do the work. And really, that’s what it is. It’s about showing up.” (Jerry)

“The food that you eat, how you fuel your body, is as important as how you use your body to exercise and express itself. The fuel will actually help you in the longevity, without question.” (Jerry)

“When people are in physical spaces together, they are actually doing a dance not to bump into each other. And patterns start to emerge.” (Jerry)

“Finding space for those stories is important, because along with them comes a lot of young, new artists that have new voices. And we need those voices.” (Jerry)

“My relationships with my younger creative artists fuel me as much as I’m giving them advice and fueling them. It’s a give and take, there’s no question.” (Jerry)

“Patience. Patience is the one thing that so many young artists have to learn.” (Jerry)

NOTES

Jerry Mitchell is a two-time Tony Award-winning director and choreographer known for shaping iconic Broadway productions like Hairspray, Kinky Boots, and Legally Blonde. With a career spanning decades, he has built a reputation for blending storytelling, movement and emotion to create memorable theatrical experiences.

Beyond his creative work, Jerry is deeply involved in the Broadway community, contributing as a mentor, collaborator and philanthropist. His leadership and influence extend across generations of performers and creators, helping shape both the art and business of theater.

Jerry is also the creator of Broadway Bares, a long-running fundraising initiative that has generated over $30 million for Broadway Cares/Equity Fights AIDS. His philanthropic impact earned him the Isabelle Stevenson Tony Award, recognizing his commitment to community and giving back.

Live theater creates a shared experience that connects audiences in a way no other medium can.

Great performances evolve over time, with shows becoming stronger and more refined as actors fully inhabit their roles.

Different generations engage with stories in unique ways, often reflecting their own personal experiences and perspectives.

Success in creative work comes from consistently showing up and putting in the effort.

Strong collaboration is essential, requiring alignment, trust and a shared vision to bring ideas to life.

Mentorship is a two-way exchange, where experienced artists and younger talent learn from each other.

Staying relevant requires adapting to changing audiences and understanding what resonates across generations.

Patience is a critical ingredient for long-term growth, especially for those early in their careers.