Golden Splurge: The Rise of S.K.I. (Spending the Kids' Inheritance)

LIFETIME Membership for over 50% OFF!  http://aff.rosettastone.com/RG13Aa Ready to spend boldly — but smartly? In this episode of Golden Splurge we unpack S.K.I. (Spending the Kids' Inheritance) with a practical wealth plan, a wellness deep-dive, and luxury travel that proves experiences can be your best legacy. What you'll hear in this episode: We start with a no-nonsense guide from Charles Schwab on how to plan for big splurges without risking long-term security. Then Dr. Emily Jones from Canyon Ranch explains why high-end wellness gets serious ROI for health and longevity. We close with highlights from our Crystal Cruises segment — bespoke voyages that turn travel into transformative life experiences. Guests ● Annette Anderson - VP, Sr. Wealth Consultant, and Melissa Witbeck, Vice President, Branch Manager/Private Wealth Services, Charles Schwab ● Jacqueline Barney - Vice President, Global Sales Partnerships and Events, VP of Guest Experience, Crystal Cruises ● Jennifer Wagner - Chief Health & Performance Officer Canyon Ranch 0:00 – 0:46 Intro & Theme (hosts introduce S.K.I. — Spending the Kids' Inheritance)  0:46 – 15:52 Charles Schwab interview (Annette Anderson & Melissa Wilbeck) 1:11 Intro to guests & setup 2:21 Schwab "bucket" approach explained (short-, mid-, long-term buckets) 3:23 Client example: planning a Mediterranean cruise 4:24 Bucket allocations — percentage example discussion 5:26 Conversation about the 4% rule (is it still valid?) 7:09 "Spending the kids' inheritance" — practical planning advice 8:31 High-profile giving examples (Alice Walton, MacKenzie Scott) 9:14 Wealth transfer & next-gen education concerns 11:22 Estate planning & widowhood statistics / beneficiary basics 13:05 Common retiree mistakes — healthcare & long-term care risk 15:01 Wrap / final Schwab tips and transition to Canyon Ranch 16:13 – 23:41 Canyon Ranch interview (Jennifer Wagner) 16:24 What draws S.K.I. retirees to Canyon Ranch 16:46 "Longevity 8" program overview (assessments + blueprint) 17:53 Battery of assessments: labs, DEXA, fitness & personalized plans 19:27 Demographic shifts; properties & upcoming Austin location 21:35 Desert / nature as a healing locale; spa & clinician integration 22:29 One-on-one physician time, group community experience 23:17 Canyon Ranch sign-off / transition 23:41 – 24:23 Sponsor spot — Rosetta Stone ad 24:23 – 38:23 Crystal Cruises (pre-recorded with Jackie / Alex Morgan) 24:38 Intro to Crystal and the SKI movement on cruises 26:16 Crystal brand history & Abercrombie & Kent partnership 27:35 COVID impact & growth in luxury / world cruise bookings 28:56 Safety: 24/7 medical facilities and onboard care 29:55 Bespoke on-land experiences & overland journeys (Machu Picchu, African safaris) 31:36 Flexibility on long calls / overnight port stays — deeper destination time 32:29 Ship sizes, reduced capacity, and larger suites (more private feel) 33:35 Butler service available for all guest rooms 34:04 World cruise appeal (120–150+ day itineraries) 35:26 Top onboard indulgences — Nobu, private vintage dining, Michelin experiences 37:28 Current special offers & call to action 37:58 Final encouragement: "Do it now — live your best life." 38:23 – 38:43 Outro Listen + Subscribe to the podcast: new episodes weekly. Follow Crazy Good Aging on YouTube and hit so you don't miss new episodes. Subscribe to Prime Women newsletter: primewomen.com/subscribe Credits Hosts: Dorthy Shore/Valerie Freeman #GoldenSplurge #SpendingTheKidsInheritance #SKI #RetirementGoals #WealthManagement