# @primewomen on YouTube

- **Type:** Video
- **Original URL:** https://youtube.com/watch?v=F4JVceez2Tw
- **Gondola URL:** https://gondola.cc/posts/65746126-primewomen-youtube
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/f493b928df.jpg
- **Posted:** 2025-10-22T18:56:19.000+00:00
- **Account Owner:** PRiMEWomen.com (@primewomen) — https://gondola.cc/primewomen

## Caption

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
● Jennifer Wagner - Chief Health & Performance Officer Canyon Ranch
● Jacqueline Barney - Vice President, Global Sales Partnerships and Events, VP of
Guest Experience, Crystal Cruises

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

## Stats

- **Views:** 251
- **Likes:** 1
- **Shares:** 0
- **Comments:** 1

## Credits

| Name | Username | Profile | Role |
| --- | --- | --- | --- |
| venes | @venes | https://gondola.cc/venes | Producer |
| venes | @venes | https://gondola.cc/venes | Video Editor |
| PRiMEWomen.com | @primewomen | https://gondola.cc/primewomen | Publisher |

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