These days I always have to use subtitles. The diction of a lot of younger people these days leaves to be desired and when they talk fast it is hard to understand what they are saying. Also, the music that accompanies some programs make it difficult to follow the dialogue and when actors are crawling around in the dark whispering you need to subtitles to follow what is going on.
I also think that when we get older it takes our brains a litt longer to keep with rapid speech. A big bugbear is when the subtitles are on with live news etc, they are always behind and sometimes the dialogue is left on the screen when the next item comes on.