Golden Splurge: The Rise of S.K.I. (Spending the Kids’ Inheritance)
Release Date: 10/21/2025
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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
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Credits Hosts: Dorthy Shore/Valerie Freeman
#GoldenSplurge #SpendingTheKidsInheritance #SKI #RetirementGoals #WealthManagement