Tag: Varsity

QUOTES

“When I learned about the test, the first thing I said was, ‘Why isn’t everybody doing this?’” — Kiera DesChamps

“People want to know more about their bodies. They want to take more control over their health and interventions.” — Kiera DesChamps

“The biggest moment is when families realize symptoms they assume were part of aging, they actually may be a medication-related situation.” — Dr. Troy Veale

“What works for me might not work for you. Medications are not one size fits all.” — Lauren Bopp

“You’re taking this medication and it’s building up in your body because you can’t get rid of it. Your body can’t eliminate it. So then you get these toxic levels of the drug in your body which cause toxic side effects, the dizziness, the fainting, the falling, confusion.” — Lauren Bopp

“If you’re dismissing these side effects and they’re speaking up for themselves, saying, ‘Hey, I don’t feel right,’ you could potentially prolong an issue to the point where it could cause hospitalizations or falls that result in injuries.” — Lauren Bopp

“It’s not about replacing doctors. It’s about empowering them, giving them more tools to utilize whenever prescribing medication.” — Dr. Troy Veale

“It could be six months, it could be 12 months, it could be 18 months down the line to find out this wasn’t even the right medication for you.” — Dr. Troy Veale

“If she had it to start, then she wouldn’t have spent a year and a half taking the wrong medication, not feeling any relief, and then ultimately having to go to the hospital because of complications.” — Lauren Bopp, on her mother’s experience

“It’s more than a manicured community having the best colors. All of those things matter as well. But we also want somebody to have a healthy, happy life as they start to make this decision and their families have peace of mind.” — Kiera DesChamps

“I would like to see it treated as if it’s almost like an allergy. If you’re going to have side effects or you’re not going to respond to this medication, then why would your doctor prescribe it?” — Lauren Bopp

“Stay curious and never stop questioning how healthcare can be improved, because healthcare can improve as long as the technology and science are out there. As the science improves, technology improves, life improves.” — Dr. Troy Veale

NOTES

Dr. Troy Veale is CEO of PHD Laboratory and works at the intersection of laboratory science, medication management and personalized healthcare. He is focused on expanding awareness and adoption of pharmacogenetic testing and helping providers use genetic information to make more informed prescribing decisions.

Lauren Bopp is a molecular biologist with PHD Laboratory who brings a scientific perspective to pharmacogenetic testing. She helps explain how an individual’s genetics can affect the way medications are metabolized and how PGx results can help identify medications and dosages that may be a better fit.

Kiera DesChamps is founder of KD Consulting Group and brings extensive experience working with the senior living industry. After learning about PGx testing herself, she immediately saw its potential for older adults, families and senior living communities and has become an advocate for increasing awareness and adoption.

PHD Laboratory provides pharmacogenetic, or PGx, testing designed to help providers understand how a patient’s genetics may affect their response to medications. Using a cheek swab, the test can help identify medications that may work well, require caution or may not be metabolized effectively by an individual.

PHD Laboratory does not submit patients’ genetic data to third-party companies or future research projects. Genetic material is used for the patient’s test and then discarded rather than being stored for an extended period.

KD Consulting Group works with senior living organizations and industry partners. Through her work, Kiera focuses on connecting senior living communities with resources and solutions that can improve resident outcomes, strengthen the family experience and provide operators with meaningful points of differentiation.

PGx testing can help determine which medications may work best for an individual, which should be approached cautiously and which a person’s body may have difficulty metabolizing. Because medications are not one size fits all, the same prescription can affect two people very differently.

Some symptoms commonly attributed to aging, including confusion, dizziness and falls, may actually be related to medication interactions or the body’s inability to properly metabolize a drug. Dismissing those symptoms as simply part of getting older can allow problems to continue and potentially lead to injuries or hospitalization.

PGx is intended to empower physicians rather than replace their expertise. Instead of relying entirely on trial and error and waiting weeks or months to see how a patient responds, providers can use genetic information as another tool when selecting medications and determining appropriate dosages.

Lauren shared the experience of her mother, who spent about a year and a half taking a medication that caused significant side effects and eventually contributed to signs of liver failure. PGx testing later revealed the medication was not a good match for her, allowing her physicians to make a change.

Medication management can become particularly complicated for older adults who see multiple specialists. A cardiologist, primary care physician and other providers may each prescribe medications without always having a complete picture of the patient’s regimen. A PGx report can provide information that patients can share across specialties.

For senior living communities, PGx testing can become part of both resident care and the family experience. Demonstrating that a community is paying close attention to medications, side effects and outcomes can provide families with greater peace of mind while potentially contributing to fewer hospitalizations, stronger resident retention and improved quality of life.

Provider adoption remains a challenge in part because physicians and other healthcare professionals have significant demands on their time and PGx may not have been part of their original medical education. Connecting the technology to priorities such as patient outcomes, value-based care and reimbursements can help providers understand its relevance.

PGx testing is a one-time test because an individual’s genes do not change. Results can potentially remain useful as a person develops new health conditions or is prescribed different medications later in life, making the information something patients can carry forward as part of their medical history.

The guests see greater integration of PGx information into healthcare systems and electronic medical records as an important next step. Lauren compared the concept to documenting a medication allergy: if providers know in advance that a patient is likely to experience side effects or not respond to a medication, that information can help guide prescribing decisions.

QUOTES

“The first baby boomer turns 80 this year in 2026. We’re at this fascinating point where we have huge demographic growth, but our response to that growth has been incredibly muted.” (Lisa)

“For some of the modern, competitive senior living communities, they’re full and vibrant and doing well. Recovery is probably an understatement.” (Lisa)

“I don’t want us to get lazy as an industry. Five years from now, when development starts up again, we still need to have what consumers want because it’s a different customer.” (Lisa)

“We say the boomers are different, but I’m still not sure we’re thinking differently enough. I feel like we’re having some of the same conversations we had 25 years ago.” (Lisa)

“Our world is incredibly difficult to navigate. We get stuck in our labels, and it becomes confusing for anyone trying to understand their options.” (Lisa)

“There is absolutely strong demand for what we have today. There are communities with wait lists years long. That’s real demand.” (Lisa)

“It’s not just about age and income. Every market has its own dynamics. Culture, policy, labor, affordability and consumer perceptions all shape demand in different ways.” (Lisa)

“There is ability to pay, and then there’s the perception of affordability. The psychology of affordability is very real.” (Lisa)

“Individuals who live in senior living communities live longer and have better health outcomes. But if we want healthcare partnerships, we need data to prove it.” (Lisa)

“I don’t want to just live longer. I want to live longer better. If you can demonstrate how you’ll help me stay healthier longer, that’s incredibly valuable.” (Lisa)

“As an industry, we’re very quick to send people to the emergency room. The data shows they’re much less likely to be admitted, which tells us there’s an opportunity to do better.” (Lisa)

“Embrace every opportunity you’re going to get because you’re in for a ride. Some of them will be tough, but stick with it. It’s been worth it.” (Lisa)

NOTES

Lisa McCracken is Head of Research and Analytics at the National Investment Center for Seniors Housing & Care (NIC), where she helps senior living organizations better understand the industry through market research, data analysis and strategic insights. She is widely recognized as one of the industry’s leading voices on demographics, occupancy, development and consumer trends.

The National Investment Center for Seniors Housing & Care (NIC) is a nonprofit organization that provides research, data and thought leadership to help senior housing and care providers, investors and policymakers make more informed decisions. NIC is best known for its market analytics, occupancy tracking and research on the future of aging and senior living.

In addition to overseeing NIC’s research initiatives, McCracken frequently speaks at industry conferences and collaborates with universities and healthcare organizations on studies examining senior living, value-based care, consumer behavior and market performance. Her work helps translate complex industry data into practical insights for operators, marketers and investors.

Senior living occupancy has recovered from the pandemic and, in many markets, communities are operating at some of the highest occupancy levels they’ve ever experienced. At the same time, new development has slowed dramatically, creating a growing imbalance between supply and demand.

Demographics alone won’t guarantee future success. While the aging population is creating unprecedented demand, providers still need to evolve their products, marketing and customer experience to meet the expectations of a new generation of older adults.

Many consumers find senior living confusing because of the industry’s terminology and fragmented product offerings. Simplifying how communities communicate their options could make the decision-making process easier for prospective residents and their families.

Market success depends on much more than age and income. Cultural norms, local labor markets, development policies, affordability perceptions and consumer familiarity with senior living all influence demand in different regions.

Labor availability should be considered just as carefully as resident demographics when evaluating markets or planning new development. Communities need strategies for attracting and sustaining a strong workforce alongside growing resident demand.

Senior living providers have an opportunity to strengthen partnerships with healthcare organizations by demonstrating measurable outcomes. Research shows residents often experience longer lives and better health outcomes, but communities must support those claims with meaningful data.

Industry data revealed an interesting pattern: senior living residents visit emergency rooms more frequently than their peers but are admitted to the hospital less often. McCracken believes this points to an opportunity for providers to reduce unnecessary ER visits while improving the resident experience and lowering healthcare costs.

Looking back on her career, McCracken encouraged future industry leaders to embrace every opportunity, continue learning and remain open to unexpected career paths, noting that many of the most rewarding experiences come from challenges along the way.

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The following is a guest blog entry from Larry Carlson. Larry is an advisor, board member, and author of Avandell: Reimagining the Dementia Experience. A longtime CEO in senior living, he now writes and speaks about helping older adults finish strong — living with purpose, vitality, and impact in their third age.

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6:54 a.m… The day shift is gathered outside the nurses’ station. The charge nurse reviewed the overnight report, answered a few questions, then paused before dismissing the team.

“One reminder before we head out,” she said. “We’ve been talking a lot about giving residents more choice throughout the day. Before helping someone with their morning routine, don’t assume what they want. Ask. Give them options whenever you can.”

Heads nodded. The meeting ended. Within moments, nurses and certified nursing assistants disappeared into hallways and resident rooms to begin the day. At first glance, it looked like an ordinary shift report.

It wasn’t.

It was strategy being translated into behavior.

In senior living, strategic plans aren’t supposed to tell employees exactly what to do. They describe aspirations: resident-centered living, exceptional hospitality, employee engagement, operational excellence. Those are important goals. But they remain abstract ideas until someone translates them into behaviors that employees can understand, practice, and repeat.

That translation rarely happens in the boardroom or the executive conference room. It happens through frontline leaders.

Whether it’s a charge nurse beginning a shift, a dining manager preparing breakfast service, a life enrichment director reviewing the day’s activities, or a maintenance supervisor assigning work orders, every frontline leader faces the same challenge: How do I turn organizational priorities into today’s actions?

In my experience, organizations don’t struggle because they lack strategy. They struggle because strategy often loses clarity as it moves through the organization. The strongest organizations don’t simply communicate strategy well. They equip frontline leaders to translate it into behaviors employees can put into practice immediately.

Here are three ways leaders can make that happen.

1. TRANSLATE ASIPRATIONS INTO OBSERVABLE BEHAVIORS

Many strategic plans emphasize concepts like service, quality, innovation, or resident-centered care. Those are important aspirations, but they aren’t behaviors. Employees can’t consistently perform an aspiration. They can perform a behavior.

Instead of asking teams to “improve hospitality,” identify the specific actions that demonstrate hospitality. Instead of encouraging “resident-centered care,” define the everyday behaviors that bring that commitment to life.

Clarity begins when employees know not only what matters—but what it looks like.

TRY THIS:

At your next leadership meeting, choose one strategic priority and ask: “If a new employee started tomorrow, what would they actually see someone doing if we were living out this priority?”

If the answers vary widely, your strategy may still be too abstract.

2. EQUIP FRONTLINE LEADERS TO BECOME TRANSLATORS

Frontline leaders are the bridge between organizational vision and daily execution.

The CEO introduces strategy. Department leaders develop plans. But supervisors, charge nurses, managers, and team leads are the ones who answer the question employees ask every morning: “What does this mean for me today?”

When frontline leaders understand not only the strategy, but also the behaviors that support it, execution becomes remarkably more consistent across the organization.

TRY THIS:

During your next supervisors’ meeting, ask each frontline leader to identify one strategic priority and explain how they would translate it for a new employee beginning today’s shift.

The goal isn’t to repeat the strategic plan. It’s to translate it into language employees can immediately act upon.

3. MEASURE BEHAVIORS BEFORE OUTCOMES

Organizations naturally focus on outcomes—resident satisfaction, employee engagement, occupancy, quality measures, and financial performance.

Those metrics matter. But they are lagging indicators. Long before those results appear on a dashboard, employees have already been practicing the behaviors that created them.

Leaders who regularly observe, coach, reinforce, and recognize desired behaviors are far more likely to achieve the outcomes they seek.

Behavior comes first.

Results follow.

TRY THIS:

Choose one strategic priority for the next 30 days and identify two or three observable behaviors that support it. Then intentionally reinforce those behaviors during team meetings, coaching conversations, recognition moments, and daily rounding.

What leaders consistently reinforce eventually becomes organizational culture.

A few minutes after the morning huddle ended, one of the certified nursing assistants quietly knocked on Mrs. Anderson’s door. “Good morning, Mrs. Anderson,” she said with a smile. “Would you like to get dressed before breakfast today, or would you rather enjoy your coffee first?”

Mrs. Anderson smiled. “I think I’d like my coffee first.”

It was a simple conversation. No one would have recognized it as strategy. But that was exactly what it was.

A strategic commitment to resident choice had been translated by a frontline leader into one simple behavior—and then carried out by a caregiver who understood exactly what it looked like.

That’s how successful senior living organizations execute strategy. Not through strategic plans. Not through mission statements. Not even through leadership meetings.

But through ordinary interactions repeated every day by people who understand what the strategy looks like in practice.

One employee.

One interaction at a time.

QUOTES

“The OGs of the internet really understand how to leverage technology to get the most out of it, but they also know when to turn it off. They’re the ones we should model when it comes to healthy boundaries and good engagement with technology.” (Ginna)

“People think older adults don’t know how to use technology. When you actually talk to them, they’ll be the first to say, ‘Why don’t you bring in a robot? Why don’t you use voice technology if it’s going to make life easier for the staff?'” (Ginna)

“Older adults see technology as an augmentation of what staff are already doing. I actually think the people preventing technology from becoming part of the ecosystem are often the staff themselves.” (Ginna)

“The reality is that older adults see the value of technology. If it’s easy to use and easy to adopt, they’re on it.” (Ginna)

“Gen X and younger baby boomers are the generation that’s exercising the most. They’re not doing chair yoga. They’re hiking five, ten, fifteen miles. They’re skiing. They’re living very active lives.” (Ginna)

“When I go on a senior living website, I don’t want to be overwhelmed by chatbots and pictures of everyone smiling. I want to know what your lifestyle is. What are you really about?” (Ginna)

“They like simplicity. They like elegance. Simpler is better—not because it’s for old people, but because it’s easier to find what you’re looking for. They hate clutter.” (Ginna)

“Technology is a means to the end. If it’s going to help me maintain my independence and still do the things I love in a different way, then that’s exactly how we should age.” (Ginna)

“I see AI as an assistant—a helper. It’s always human in the loop. You’re still in control, but AI gives you those little moments where you think, ‘Oh, I didn’t think about that.'” (Ginna)

“The whole idea of preventing a fall instead of waiting until someone needs help—that’s going to be a game changer.” (Ginna)

“The most successful senior living organizations won’t just operate inside their four walls. They’ll already be working with future residents in their homes years before they ever move in.” (Ginna)

NOTES

Ginna Baik is an aging technology strategist and consultant with more than 20 years of experience helping organizations use technology to improve the lives of older adults. She previously served as Director of AgeTech at AOL and is a board member for LeadingAge California and Eschaton. Her work focuses on digital engagement, consumer experience, AI and helping senior living organizations prepare for the next generation of older adults.

Before joining AOL, Ginna held leadership roles at Amazon Alexa, HP and other technology organizations, where she focused on voice technology, connected living and digital consumer experiences. She is widely recognized as a leading voice in AgeTech and regularly advises senior living providers on technology strategy, AI adoption and consumer engagement.

Older adults are far more comfortable with technology than many organizations assume. Many were among the first internet users, adopted email decades ago and now use smartphones, online banking, travel planning and AI tools at rates much closer to the general population than stereotypes suggest.

Today’s active agers expect marketing that reflects how they actually live. Rather than showing passive lifestyles, organizations should emphasize adventure, lifelong learning, wellness and authentic community experiences that resonate with younger boomers and Generation X.

Senior living websites often overwhelm visitors with chatbots, floor plans and sales messaging before explaining the community’s lifestyle. Technology should personalize and simplify the experience rather than create additional friction.

The most successful technology feels natural and supports independence without calling attention to itself. Voice assistants, smart home features and AI should help people accomplish everyday tasks while allowing them to remain in control.

AI delivers its greatest value by removing friction from everyday life. Instead of replacing people, it should function as an assistant that anticipates needs, provides helpful suggestions and makes routine decisions easier.

Technology can play a major role in preventing falls, supporting aging in place and improving quality of life through smart homes, voice control and passive monitoring that respects privacy while helping older adults remain independent.

For senior living providers, one of AI’s biggest near-term opportunities is reducing caregiver documentation and administrative work, helping staff capture more accurate information, improve care plans and spend more time with residents.

The future of senior living extends beyond the walls of a community. The most successful organizations will begin building relationships with future residents years before they move in, using technology to support aging at home and create a seamless transition when additional care is needed.

QUOTES

“Daughtering is the often invisible emotional, mental, logistical and identity labor that women do in families to stay connected.” (Dr. Alford)

“Women are doing so much more than they realize until all of a sudden they feel burned out.” (Dr. Alford)

“It’s so important that we call the things we do by the right name. When I’m caring for my parents or interacting with them, I am daughtering them.” (Dr. Alford)

“Being a daughter is something we’re born into and something we remain until the day we die, even after our parents have passed. We can find beauty and honor in that role when we elevate it and talk about its intricacies.” (Dr. Alford)

“Two things can be true at the same time. It can feel like an obligation, and it can also be something you genuinely want to do.” (Dr. Alford)

“I call myself the cruise director. I’m noticing who is where, who needs what, who needs to calm down and who needs a little conversation in the bathroom so we can all get ourselves together.” (Dr. Alford)

“Daughtering is kind of like pennies in a fountain. Each act isn’t special on its own, but over time those pennies add up to something incredibly meaningful.” (Dr. Alford)

“We’re not stuck in the family patterns we inherited. I don’t have to do daughtering exactly the way my mom did.” (Dr. Alford)

“Sometimes the greater goal calls for a little bit of friction.” (Dr. Alford)

“We’re starting each day with our battery at 30 percent, then wondering why we feel overwhelmed, resentful or burned out.” (Dr. Alford)

“Create a rubric for what an A-plus-plus daughter would look like, then aim to be a B-plus daughter. A B-plus daughter is still a pretty dang good daughter.” (Dr. Alford)

“Just because you can see what needs to be done and you’d be good at doing it doesn’t mean it’s yours to carry.” (Dr. Alford)

NOTES

Dr. Allison Alford is a professor at Baylor University, researcher and author of Good Daughtering. Her work focuses on family dynamics, caregiving, gender roles and the often-overlooked emotional, mental and logistical labor adult daughters perform throughout their lives. She has spent more than a decade researching how daughter-parent relationships shape families and personal identity.

Good Daughtering is based on more than 10 years of research and conversations with hundreds of women. Dr. Alford wrote the book to make academic research on family relationships more accessible and to give daughters, siblings and spouses practical tools for understanding the often invisible work women perform within families.

Dr. Alford defines “daughtering” as the often invisible emotional, mental, logistical and identity labor women perform to stay connected with their families.

She explains that daughtering extends far beyond caregiving and includes four dimensions: acting, thinking, feeling and being, many of which happen behind the scenes and often go unnoticed.

She believes society lacks the language to describe the unique role daughters play, causing much of their work to be mislabeled, overlooked or viewed simply as an extension of motherhood.

Rather than striving to be a perfect daughter, Dr. Alford encourages women to define what “good daughtering” looks like for their own circumstances and aim for sustainable expectations that leave room for other priorities.

She compares daughtering to putting pennies into a fountain. Small, consistent acts of care may seem insignificant individually, but over time they build strong, meaningful relationships.

She emphasizes that healthy boundaries are essential and reminds daughters that just because they are capable of doing something doesn’t mean they are responsible for carrying every burden.

Dr. Alford encourages families to begin conversations about aging, caregiving and future preferences long before a crisis occurs, reducing stress and helping everyone make more informed decisions together.

She believes the strongest family relationships balance obligation with gratitude, recognizing that caring for aging parents can be both difficult and deeply meaningful at the same time.

Gardening can do much more than brighten a landscape. Research shows it can help older adults stay active, eat healthier, find purpose and enhance overall well-being, making it a valuable opportunity for senior living communities.

Laurel Mertz, Senior Research Analyst at the Mather Institute, joined Varsity’s weekly Roundtable to share findings from the organization’s new national study on gardening and healthy aging. She discussed the benefits of gardening, common barriers to participation and practical ways communities can create more accessible, engaging gardening experiences for residents. Below are a few Fresh Perspectives from her discussion.

GARDENING SUPPORTS HEALTHY AGING IN MULTIPLE WAYS

Older adults who garden reported higher levels of gratitude, life satisfaction and purpose, along with more physical activity, healthier eating habits and a stronger connection to nature.

GARDENING MAY BE THE “SNEAKY EXERCISE” OLDER ADULTS NEED

Gardeners reported spending nearly five hours a week gardening during the growing season. Activities like digging, weeding and harvesting can help older adults stay active without feeling like they’re exercising.

INTEREST IN GARDENING EXCEEDS PARTICIPATION

Many older adults who don’t currently garden are interested in community gardens, hydroponics and other gardening experiences. For many, the barriers are confidence, space and accessibility—not a lack of interest.

MAKE GARDENING ACCESSIBLE TO EVERYONE

Raised beds, container gardens, hydroponic systems, gardening mentors and beginner-friendly programs can help overcome common barriers and make gardening possible for more older adults, regardless of physical ability or experience.

TURN GARDENING INTO A COMMUNITY EXPERIENCE

While Mather’s national study didn’t find stronger social outcomes among gardeners, community-based gardening programs, shared spaces and group activities create opportunities for connection, engagement and meaningful resident experiences.

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.