Tag: roundtable talk

Dr. Louise Aronson is a nationally recognized geriatrician, educator, and the bestselling author of Elderhood. As a professor of medicine at UCSF and a leading voice in aging and eldercare, Dr. Aronson challenges cultural and medical assumptions about growing older and advocates for a more nuanced, inclusive view of elderhood.

Recently on Varsity’s podcast, Roundtable Talk, host Derek Dunham and Dr. Aronson discussed why aging should be seen as a diverse, decades-long life stage. She highlighted the impact of ageism in healthcare, the value of intergenerational programs, and the need for better training and broader reforms to help older adults live fully.

The following are some fresh perspectives from the conversation. Check out the full episode here. 

WHAT INSPIRED YOU TO WRITE ELDERHOOD?

I wrote it in my 50s. I had had a good couple plus decades of career of seeing all the things that happened to older people, you know, for better and worse. I had aging parents. I had reached the stage of life where it occurred to me that this was going to happen to me as well. I didn’t see anything out there that quite had the empathy or the breadth I was going for. Then I came up with this notion of elderhood as a sort of equivalence to childhood and adulthood. And I thought that was a reframe that might be helpful for us both as individuals and as a society.

WHAT ARE SOME OF THE MOST DAMAGING CULTURAL NARRATIVES ABOUT AGING THAT YOU WISH YOU COULD REWRITE?

That old people don’t count or that we’re all the same after age 65. There’s some sort of primal fear that we’re not dealing with. I think when we equate old age with frailty and when we say being frail is inherently bad, we harm anyone who’s frail at any age. The people I know who live best in old age and die best in old age are ones who recognize their changes, adapt to those changes, and learn how to thrive within them.

WHAT DOES A MORE EMPOWERING AND INCLUSIVE VISION OF ELDERHOOD LOOK LIKE TO YOU?

It looks like an acknowledgement that it’s a many decades long, highly varied phase of life. I also think we need to empower people to embrace the difference instead of apologizing for the difference. It’s the only stage of life where people apologize all the time for existing, for not being able to do things.

WHAT ARE COMMON EXAMPLES OF AGEISM IN MEDICAL PRACTICE?

There’s people talking, using elder speak. Things like, “Oh dear. Let me help you with that, sweetheart,” which is just shocking and insulting and condescending. And then when the person doesn’t do well, they say they failed the treatment or they couldn’t tolerate the treatment.  Perhaps the most frequent one is either saying, “We’re not going to give you this because you’re 84,” or giving something dangerous to someone too frail to handle it.

QUOTES

“I realized that I really enjoyed taking care of older people for a series of reasons. One was you couldn’t really take care of the part without thinking about the whole.” (Dr. Aronson)

“I came up with this notion of elderhood as a sort of equivalence to childhood and adulthood. And I thought that was a reframe that might be helpful for us both as individuals and as a society.” (Dr. Aronson)

“It’s insulting. And when you see this in scientific studies, it absolutely lacks rigor, any evidence of truthfulness, and yet people do it all the time.” (Dr. Aronson)

“We harm our future selves because we create a self-creating, self-perpetuating fear.” (Dr. Aronson)

“It’s the only stage of life where people apologize all the time for existing, for not being able to do things.” (Dr. Aronson)

“Traits we all should have, but not all of us are lucky enough to get it. A sense of humor helps. So really basic things, because it’s very interesting.” (Dr. Aronson)

“There is just a baked-in bias that the people who need the services most are least important.” (Dr. Aronson)

“They blame old age for what was a failure to incorporate aging pharmacology and physiology into their treatment plan.” (Dr. Aronson)

“Training for all health professionals would be proportional to the amount of time they will be spending caring for that population.” (Dr. Aronson)

“Our system doesn’t give us what we want and needs to be totally restructured to prioritize health.” (Dr. Aronson)

NOTES

Dr. Louise Aronson is a geriatrician, educator, and bestselling author of Elderhood. A leading voice in redefining how we view aging, she brings decades of medical practice, personal insight, and cultural critique to her advocacy for older adults.

 Dr. Aronson is a professor of medicine at the University of California, San Francisco (UCSF), where she also directs the campus-wide Health Humanities Initiative. Her work integrates clinical care, education, and the humanities to advance eldercare.

Her book Elderhood reframes aging as a vital, complex life stage deserving the same recognition and nuance we give childhood and adulthood. She’s a thought leader on ageism in medicine and society, and frequently collaborates on innovations in intergenerational programs, healthcare reform, and policy.

Most people don’t plan to work with older adults—but it’s meaningful, intellectually rich, and deeply needed work.

The term “elderhood” positions aging as a legitimate, diverse, and multi-decade stage of life, much like childhood or adulthood.

Society often equates aging with decline, but many older adults thrive by adapting, staying engaged, and embracing their phase of life.

There’s a dangerous tendency to treat everyone over 65 as a monolith, despite the vast range of capabilities and needs.

Health care training devotes years to children and adults, but often just hours to older adults—despite them being the largest group needing care.

Ageism in medicine shows up in subtle and overt ways—from dismissive language to inappropriate treatments based solely on age.

Culture needs to stop writing off older adults; their stories, capabilities, and lives matter and should be reflected in how we design systems and spaces.

Dr. Aronson sees hope in younger generations and entrepreneurs bringing compassion and innovation into the “elder space,” as well as boomers advocating for their own aging experience.

On a recent episode of Varsity’s podcast, Roundtable Talk, we sat down with Andrew Carle, a nationally recognized expert in senior living and the founder of UniversityRetirementCommunities.com. With more than three decades in the field, Andrew has served as a senior living executive, educator, and consultant. Today, he continues to lead innovation as an adjunct professor at Georgetown University.

In his conversation with Roundtable Talk host Derek Dunham, Andrew shared how university retirement communities (URCs) are reshaping the future of aging. He also shared his five-point framework for successful URCs and his theory that URCs could even slow or reverse aspects of aging by tapping into powerful college-era memories.

The following are some fresh perspectives from the conversation. Check out the full episode here. 

WHAT SPARKED YOUR INTEREST IN UNIVERSITY RETIREMENT COMMUNITIES (URCS)?

Well, it goes back a ways, but 25 years ago, I had joined George Mason University to create what was then the first academic program for senior living administrators in the country. I found out that there were a couple of universities that had retirement communities. I visited the ones that existed, came back and I realized this could reinvent everything. I created a five criteria model around which I thought they should be structured. I published that in 2006. And in the last 20 years or so, most of them have kind of been built to that model.

WHAT ARE THE MUST-HAVES THAT DIFFERENTIATE A GREAT URC FROM A MEDIOCRE ONE?

Foundationally do this: if you are close to the university, that’s number one. Number two, do you formalize programming between the community and the university? Do you offer the full continuum of care? Then the financial commitment. Both sides financially incentivized for the long-term success. And then the fifth element: you need to have at least 10% of the residents who have some connection with the school. That’s going to bring the culture.

HOW CLOSE DOES A COMMUNITY NEED TO BE TO BE CONSIDERED A URC?

The one thing 80-year-olds and 20-year-olds have in common is none of them have cars. Once you got outside of about a mile of that campus, once you got outside that bubble, you didn’t feel like you were part of the campus. I like to see them within a mile. Once you get past three, four, five miles, what do you really have to do with that campus?

WHAT ARE THE BIGGEST CHALLENGES UNIVERSITIES FACE IN ESTABLISHING A URC?

You can’t find a bigger odd couple than universities and fast paced investor and driven senior living providers. They speak two completely different languages. You need to have the senior living providers who understand how to access the university without being driven nuts by all the bureaucracy.

Larry Carlson is the retired president and CEO of United Methodist Communities. With over 45 years of experience in senior living, Larry is known for pioneering person-directed care, integrating cutting-edge technology, and reimagining dementia care.

On Varsity’s podcast, Roundtable Talk, Larry explored the evolution of senior living, how AI and tech tools have transformed operations and improved staff workflows and why the industry must embrace innovation or risk falling behind.

The following are some fresh perspectives from the conversation. Check out the full episode here. 

WHAT WERE SOME OF THE BIGGEST CHANGES YOU SAW OVER 45 YEARS IN SENIOR LIVING?

Early in my career, senior living pretty much was a watered-down version of a hospital. Nobody had a choice as to when they get up or what they eat or when they were going to get a bath. The biggest change has been around person-directed care. In the early days, people would move in, they would give all their assets, and then the place would take care of them for the rest of their life. And now you have all kinds of financial arrangements and pretty high-end operations and very sophisticated operators too. It’s really respecting the person—who they were, who they want to be, and how they want to spend their time.

WHAT WERE SOME OF THE CHALLENGES TO TECHNOLOGY ADOPTION AT UMC, AND HOW DID YOU OVERCOME THEM?

When I arrived at UMC, we didn’t even own a server, so we really did start from the ground up. One example I can give you is we found a product called VST Alert, which was a falls management device. The staff realized how powerful this tool was going to be. They came back and said, we need more of these. And then they became owners and advocates.

WHAT IS THE HOGEWEYK MODEL AND HOW DID IT INSPIRE AVENDEL?

TheHogeweyk model is really about normalizing life for people who have a dementia diagnosis. And it’s not just for the person who has dementia, but for their families and for the caregivers as well. That means living on more of a family scale. Six or seven people in a household, where you can come together as a family and sit. We became very intent on figuring out what’s the stress that’s causing symptoms, not just treating symptoms. Pain is the number one thing that is underdiagnosed in people with dementia.

WHAT ROLE DOES AIR QUALITY PLAY IN SENIOR LIVING?

Before the pandemic, everybody overlooked it. During the pandemic, we had these reverse HEPA filters that were trying to keep the air separate from room to room so that we weren’t spreading disease. When you really think about it, you’ve got a large population of people in a somewhat small area. So you need to look at your air circulation, how many air changes you’re making, and your filtration and humidity control.

WHAT MESSAGE DO YOU WANT READERS TO TAKE FROM YOUR BOOK, “AVENDEL: REIMAGINING THE DEMENTIA EXPERIENCE”?

That dealing with dementia is not a hopeless situation. That there can be joy in it, and that you can live the life you love, whether that be the family member or the person with the diagnosis.

On a recent  episode of Varsity’s Roundtable Talk, we sit down with Terry Farrell, acclaimed actress and sci-fi icon best known for her role as Jadzia Dax on Star Trek: Deep Space Nine and Reggie on Becker. With a career spanning modeling, television, and film, Terry brings a unique perspective on aging, reinvention, and staying grounded in an image-driven industry.

Derek and Terry talk about her approach to aging, her break from acting to raise her son, and why she’s stepping back into the industry. She opens up about embracing authenticity, the influence of Star Trek, and how representation in entertainment is evolving.

The following are some fresh perspectives from the conversation. Check out the full episode here. 

WHAT IS YOUR PERSONAL PHILOSOPHY OR PERSPECTIVE ON AGING WELL?

I think it has a lot to do with your mental attitude about it. I mean, no one’s getting a get out of jail free card from it. It’s just part of the process, right?

WAS THERE A MOMENT IN YOUR ACTING CAREER WHEN AGE STARTED TO FEEL LIKE A FACTOR?

I think right now. I quit my career to be an at-home mom at 40.  But now being 61, and I just got an agent, and coming back into it, I have to remember that I’m not as young on the outside as I feel on the inside.

WHAT ADVICE WOULD YOU GIVE TO YOUNGER ACTORS ABOUT LONGEVITY IN LIFE AND CAREER?

Enjoy each phase you’re in. Movies and television are telling us stories about life and it requires all age groups to tell these stories. You’re never going to run out of parts you can play.

HOW COULD HOLLYWOOD SHOWCASE AGING MORE AUTHENTICALLY?

Hiring actors that haven’t had cosmetic surgery or are willing to look natural. If [studios] are demanding women to be ageless, then women become more paranoid about trying to be ageless.

WHAT DO YOU WISH YOU COULD HAVE TOLD YOUR YOUNGER SELF?

That I have enough. That I am enough. I’m whole just the way I am. I can stop being a chameleon.

The newest episode of Varsity’s podcast, Roundtable Talk, featured a conversation with Scott Townsley, a senior living strategist and consultant with over 35 years of experience in the industry. As the founder of Third Age and Trilogy Consulting, Scott has advised countless organizations on navigating change, embracing innovation and preparing for the future of aging services.

Roundtable Talk host Derek Dunham and Scott explored the challenges facing senior living today, how the traditional governance model is failing and how senior living providers can rethink their approach to data and business models to remain relevant.

The following are some fresh perspectives from the conversation. Check out the full episode here.

WHAT ROLE DO STRATEGY, VISION, AND INNOVATION PLAY IN ORGANIZATIONAL SUCCESS

I think of those three—strategy, vision, and innovation—as a Venn diagram. When they meet in the middle, that’s where success happens. If you look at the organizations that have gotten themselves into trouble, it’s usually because one or more of those three is missing. Without vision and innovation, it’s really hard to have a viable strategy. And without strategy, it’s easy to just repeat the same thing that’s been done for 20, 30, 40 years.

WHERE DO NONPROFIT SENIOR LIVING ORGANIZATIONS TYPICALLY FALL SHORT AMONG THOSE THREE?

In reality, in many instances, all three are areas where organizations fall short. But often it’s two out of three. I find it really rewarding when a CEO tells me, “I’m not that good at vision,” because that honesty means it can be addressed. A lot of leaders come from CFO or COO backgrounds, so they’re not used to thinking in visionary terms. But recognizing that is the first step toward improvement.

WHY DO YOU THINK INNOVATION IS OFTEN LACKING IN THIS FIELD?

Innovation takes time and effort. It’s a process that needs infrastructure and commitment. But it’s also a word we’ve thrown around for the last decade. Just saying “we’re innovative” doesn’t make it so. Take the village-to-village model, it’s been successful in spreading, but the business model often doesn’t work without fundraising. One group we worked with offered a freemium version of it and scaled to 3,000 people in 18 months. Innovation doesn’t always mean inventing something new. Sometimes it just means rethinking the model.

YOU’VE BEEN CRITICAL OF OCCUPANCY AS A METRIC. WHY?

Occupancy can be a vanity metric. If it’s been declining incrementally for 15 years, just reporting it against last year or budget isn’t enough. What matters is looking back five or ten years to see the full picture. Actionable data would include age and frailty at move-in. If those are trending up, you’ll likely see more turnover, which affects everything from staffing to marketing. Yet organizations still struggle to pull that data—it’s as miserable in 2025 as it was in 1985.

WHY DO PEOPLE HATE NURSING HOMES—INCLUDING NURSING HOME ADMINISTRATORS THEMSELVES?

The public perception is very negative. Our research shows that between 55–65% of respondents have a negative feeling about nursing homes. Even nursing home administrators will say they’d rather be dead than end up in one. The reality is that most nursing home beds are semi-private—there’s nothing private about them. To spend the most vulnerable time of your life sharing a room with a stranger is inhuman and inhumane. Small house models like Green House solve for this, but they’re still too rare.

Recently on Varsity’s podcast, Roundtable Talk, we sat down with Dr. Robyn Stone, a nationally recognized expert in aging policy and long-term care. As Senior Vice President of Research at LeadingAge and Co-Director of the LeadingAge LTSS Center, she has spent decades bridging the gap between policy, research, and real-world solutions to improve aging services.

Derek and Dr. Stone discussed the workforce crisis in long-term care, the challenges of educating consumers about aging services, and the role of technology in supporting caregivers. She also reflects on her decades in the field, offering insights on how change happens—slowly, but steadily. 

The conversation was filled with fresh perspectives. Below are just a few of them. 

YOU’VE SAID THAT SENIOR LIVING IS OFTEN AN “ACCIDENTAL CAREER”—A FIELD PEOPLE DON’T SEEK OUT BUT END UP LOVING. HOW CAN WE CHANGE THAT?

I’m actually an exception because I always knew I wanted to work with older adults. But over the years, I found that most people in aging services fell into these jobs by accident. Once they started, they realized they loved it. 

One of my primary focuses has been shifting this from an accidental profession to one that people intentionally pursue. We’ve made some strides, but we still struggle. If you look at the challenges in recruiting nurses, social workers, and even geriatric specialists, it’s clear that aging services is still undervalued. I think that’s tied to fundamental ageism in this country.

WHAT ARE THE BIGGEST GAPS IN EDUCATING CONSUMERS ABOUT LONG-TERM CARE?

There’s still so much misunderstanding. People don’t grasp what long-term services and supports (LTSS) actually are. It’s about helping people function independently for as long as possible, but it intersects with medical care because these individuals also have chronic conditions, acute episodes, and post-acute needs. 

Housing is also critical—if you don’t have a home that allows for mobility, your quality of life suffers. Most people still think Medicare pays for long-term care, which isn’t true. We’ve spent decades trying to educate people, but the reality is that most don’t think about it until they’re in crisis.

WHAT STRATEGIES DO YOU THINK ARE MOST EFFECTIVE FOR RETAINING WORKERS IN AGING SERVICES?

The best recruitment strategy is retention. If you retain staff, you don’t have to recruit as much. Retention is about creating a healthy workplace culture with both monetary and non-monetary investments. Higher wages matter—we still have 40% of this workforce on some form of public assistance, which is unacceptable. 

But it’s also about training, strong supervisory support, and career pathways. Not every aide wants to become an RN, but they might want to specialize in geriatric care, behavioral health, or medication management. High-performing organizations are figuring out ways to create these pathways, which leads to better retention and lower turnover.

WHAT HAVE YOU LEARNED IN YOUR CAREER THAT YOU WISH YOU COULD TELL YOUR YOUNGER SELF?

Change takes a long time. It’s a journey, not a destination. When I started in the federal government in the early ’70s, I was filled with hopes and dreams about making the world a better place. Over time, I’ve learned that progress is incremental. But you have to keep your eye on the prize. It’s easy to get discouraged in policy and advocacy work, but if you focus on long-term goals and stay committed, real change does happen—even if it takes longer than you’d like.

Want to hear more from Dr. Stone? Check out the full episode of Roundtable Talk for more fresh perspectives. Watch new episodes of Roundtable Talk on the Varsity website and on Apple Podcasts, Spotify, and iHeartRadio.

Dr. David Katz is one of the most influential voices in preventive medicine, nutrition, and lifestyle medicine. As the founding director of the Yale Prevention Research Center, a past president of the American College of Lifestyle Medicine, and a prolific author, Dr. Katz has spent his career challenging conventional wisdom on aging and health.

On a recent episode of Varsity’s podcast, Roundtable Talk, he shared his thoughts on the pitfalls of “anti-aging,” the power of lifestyle choices, and how we can reshape our relationship with aging and vitality. Here are some of the key takeaways from our conversation.

OUR SOCIETY PROMOTES ‘ANTI-AGING’—WHY DO YOU THINK THIS IS MISGUIDED?

Aging is a biological process. It’s like being anti-breathing—it just doesn’t make sense. Everything ages: rocks, the Earth, the universe. What bothers me most about the “anti-aging” movement is that it invites us to perpetually compare ourselves to a younger version of ourselves.

I’m 62. I practice what I preach—I eat optimally, I work out every day, and I’m extremely fit. But I don’t have the same muscle mass or strength I did at 42 or 22. That’s just reality. The goal shouldn’t be to fight aging, but to optimize vitality at every stage of life.

HOW DOES THE PACE OF CHANGE IN OUR SOCIETY IMPACT HOW WE VIEW OLDER ADULTS?

The world you grew up in gets left behind, and that happens faster now than ever before. My parents, who are 85, are vital and active, but they feel like roadkill on the information superhighway.

When they were kids, there were no televisions. Now, we have devices in our pockets that let us instantly connect with anyone in the world. The speed of technological advancement makes older generations feel obsolete. We’ve gone from a time when older people were venerated for their wisdom to a culture that increasingly views them as out of touch.

WHAT CAN WE DO TO REFRAME AGING AS A POSITIVE EXPERIENCE?

We need to celebrate what aging gives us, not just what it takes away. Yes, physical capabilities change, but you gain something just as valuable—wisdom, experience, perspective.

In many cultures, elders are venerated. But in America, we glorify youth while failing to honor the trade-off. Imagine if we had a magazine dedicated to the reflections and stories of older adults, just like People Magazine does for celebrities. We celebrate youthful beauty, but we don’t celebrate the beauty of experience and wisdom in the same way.

WHAT ARE YOU MOST LOOKING FORWARD TO AS YOU AGE?

I was looking forward to peace—to being able to fully enjoy the bond I have with my wife, to spending more time outdoors, with my dogs and my horses. But life doesn’t always work out as planned.

I unexpectedly became an entrepreneur, founding Diet ID, which was recently acquired. Now, I’m still deeply involved in making diet quality a vital sign, like blood pressure.

That said, I do look forward to a time when I can truly unplug—to go “off the grid” for a weekend (or longer), to not be shackled to my phone, to fully be with the people I love. That’s what I aspire to.

Want to hear more from Dr. Katz? Check out the full episode of Roundtable Talk for more fresh perspectives. Watch new episodes of Roundtable Talk on the Varsity website and on Apple Podcasts, Spotify, and iHeartRadio.

As the Senior Director of Lifelong University Engagement at Mirabella at Arizona State University, Lindsey Beagley works at the intersection of higher education and senior living. Mirabella at Arizona State University is a retirement community on ASU’s Tempe campus, offering residents full access to the university’s resources, including classes, cultural events, and facilities. 

Lindsey joined us on an episode of Varsity’s podcast, Roundtable Talk, where Derek and Lindsey talked about lifelong learning, intergenerational connections, life in the Peace Corps and what she’s looking forward to as she ages.

Here are some fresh perspectives from that conversation: 

WHAT MAKES MIRABELLA AT ARIZONA STATE A “UNIVERSITY RETIREMENT COMMUNITY”?

Mirabella at ASU is the first certified university-based retirement community in the country. It’s a continuing care retirement community (CCRC)—mostly independent living, but also offering assisted living, memory support, and skilled nursing. What makes it different is its location right on campus and the deep integration with ASU.

We have three full-time staff dedicated to connecting residents with campus life—helping them enroll in classes, get involved in mentoring, or find whatever opportunities match their interests. They have full student ID cards, meaning they can access any campus facility. And students come into Mirabella all the time—using spaces for club meetings, performances, and study sessions. It’s a true living laboratory for intergenerational engagement.

HOW DO TRADITIONAL STUDENTS REACT TO HAVING OLDER CLASSMATES?

At first, most students assume that older adults in their classes must be faculty or observers. When they realize they’re fellow students, it forces them to rethink what learning looks like beyond the traditional college years.

For many young students, college is a transaction—”I need to get my degree and get a job.” They’re externally motivated. But then they see someone in their 70s or 80s taking a class purely for the love of learning, and it’s eye-opening. It shifts their mindset—they start to think, “Maybe learning isn’t just something I do now. Maybe I’ll come back to this one day.”

WHAT ADVICE WOULD YOU GIVE TO SENIOR LIVING COMMUNITIES THAT WANT TO PARTNER WITH UNIVERSITIES?

Flip the paradigm. Don’t just approach a university and say, “What can you do for us?” Instead, ask, “What do your students need?”

You might be surprised. Universities often need mentors, guest speakers, or judges for competitions, but it’s hard to ask working professionals to volunteer their time. Meanwhile, a senior living community is full of people with decades of experience who are looking for meaningful ways to contribute.

This is a huge untapped resource. Older adults don’t just want engagement for their own sake—they want to be needed. That’s the key to meaningful intergenerational partnerships.

Want to hear more from Lindsey? Check out the full episode of Roundtable Talk for more fresh perspectives. Watch new episodes of Roundtable Talk on the Varsity website and on Apple Podcasts, Spotify, and iHeartRadio.

Diane Harris is a former editor-in-chief of Money Magazine and a former deputy editor of Newsweek. She’s an award winning journalist, a well-traveled speaker and an expert in personal finance and financial wellness. She also recently wrote an article for the New York Times about solo agers and planning for retirement when you’re on your own.   

On a recent episode of Varsity podcast, Roundtable Talk, Derek and Diane talked about solo aging (and the classic mistake that many solo agers make when choosing a proxy), financial longevity, how retirees can plan for healthcare costs and easing into retirement by keeping a hand in the workforce, not your whole body. 

Here are some fresh perspectives from that conversation: 

WHAT ADVICE FROM EXPERTS SOLO AGING STOOD OUT TO YOU?

It was a fascinating topic. I was really surprised to learn how large a population solo-agers are. What was most valuable in terms of advice was that solo-agers face the same issues as everyone else, but without someone to rely on, they need different solutions. 

The experts stressed to me that solo-agers have to approach planning with an extra layer of intentionality and urgency. That phrase really stuck with me. It’s not that the issues are different—it’s that different circumstances may dictate different solutions.

WHAT ARE SOME OF THE UNEXPECTED BENEFITS OF SOLO AGING?

I’m so glad you asked that. A recent AARP study found that when solo-agers were asked about their experience, the top three responses were all positive—independence, satisfaction, and happiness. And the number one benefit? Freedom.

There’s a great advantage to not having to run your decisions by someone else. If you want to travel, you can. You don’t have to compromise. You don’t need permission. There’s a lot of joy in having the freedom to shape your life exactly the way you want.

WHAT STRATEGIES CAN LATE SAVERS USE TO MAXIMIZE THEIR RETIREMENT FUNDS?

Wherever you are, there are steps you can take. The number one regret people have is not saving sooner or saving enough. But even if you got a late start, you can catch up.

If you have a workplace retirement plan with a match, make sure you’re contributing enough to get the full match—it’s free money. If you’re over 50, take advantage of catch-up contributions. And if you’re between 60 and 63, starting next year there’s going to be an even larger catch-up contribution available.

WHAT ADVICE WOULD YOU GIVE YOUR YOUNGER SELF?

Be bolder. Every time I’ve taken a big risk, it’s rewarded me. If I could go back, I’d tell myself to take that year abroad, to move to a different part of the country, to not be so bound by golden handcuffs. I’d remind myself that richness in life isn’t just about money—it’s about experiences.

Want to hear more from Diane? Check out the full episode of Roundtable Talk for more fresh perspectives. Watch new episodes of Roundtable Talk on the Varsity website and on Apple Podcasts, Spotify, and iHeartRadio.