He is right on being Catholic and not supposed to get remarried without an annulment but he is also not supposed to live with another woman as she is his wife
He also isn’t supposed to get up and leave for a month to go try someone new out. This guy is a huge disappointment. She can’t leave because she has nothing else.
@@dsr8223 Maybe. Maybe they are keeping stuff separated out for legal/tax reasons. Maybe for insurance purposes. Maybe they've both just been burned and neither one of them want to be legally married or obligated. I've seen a lot of strange situations over the years and try not to get in other people's business. But, especially back in the poor parts of the country (I have family there in KY), sometimes love or money or class-mobility isn't your goal, just being with someone that treats you right, changes your truck battery when it needs it and fixes you a cup of coffee on a cold day and lemonade on a hot summer day is enough to get through life!
She’s literally given him 20 years of her actual life and now he’s on Al Gore’s whole ass internet asking strangers if he should take care of her bc she’s sick? 🤦🏽♀️
I really disliked this dude by the end of the call. I don't think he actually loves her. That woman gave him 20 years and this is what he's asking? John was being hopeful, but Jade knew what it was.
Oooh interesting, that actually makes this call make SO much more sense. Maybe he wasn’t asking “do I have to help her”, but “if she doesn’t make it am I legally stuck with a mountain of debt”. Two very, very different questions
That would be a no. They not married he is not responsible legally for any of her bills. If he marries her, he should after the surgery. Not before. For that reason.
Woody clearly got burned in his divorce and learned his lesson. Being with his girlfriend for 20 years legally he isn’t responsible, but morally I think he should help.
He is a classic loser. He does not want to help her now that she is broken? She has been a 'friend with benefits'. They are basically common-law marriage. He is basically wanting to divorce her that things are going bad. If the tables were flipped what would he want?
@@wewhoareabouttodiesaluteyo9303 I agree with you about living poor in KY. I still have family there (heck, Woody could be just like any of my family). And, as a person who grew up with not a lot of money (lower-middle class....not poor, but not middle-middle class either), I actually have a similar outlook on money that Woody does....when you have no money, you also have no money problems! Not a great way to live, but that's how you look at life. Anyhow, I do agree with the original poster (that you replied to) about doing things if the tables were flipped. He may have a friend, or a friend with benefits...or a common law wife....doesn't matter. If he was sick and had been living with this person for 20 years, what would he want from his partner? I'm not talking expectations, I'm talking want. I expect nothing, but darn, what would I want? And, would I want my partner to be asking these questions, or are they the type of person that would just hand you their wallet and shirt off their back without question. That's the type of person I strive to be. Sometimes I'm better at it than others, but that's who I strive to be.
actually I've seen people get 'legally' divorced when one of them comes down with cancer or another serious but terminal medical condition. It's a move to protect the surviving spouse from the insurmountable medical debt. Because in America, the medical bills can come after you for every little bit you own. So if wife dies, but has 200k in Chemo treatments not covered by insurance(because there are lifetime maxes on health insurance) the husband is libel for the debt. I've seen them take people's houses. So he could be homeless and bankrupt and his wife is dead. They don't care. The insurance company wants their money. And they legally can take whatever you own to collect it. So divorcing is a way to protect the spouse whose left behind from being tagged with debt that will bankrupt them. This is the sad reality of the the healthcare system in america.
So let me get this straight. Catholics cannot remarry but can live together as a husband and wife would without a covenant of marriage? Yeah right. He got burned bad in his divorce and just doesn't want to look after anyone but himself while still getting what he wants from a relationship.
lmao ikr is she strong and independant or does she need a mans help. either way youre still a misogynist, american women are fun arent they@@johnlanier3616
I’m 27. I dated a 42 year divorce women who on the second week of our new relationship she wanted to get married and I just was not on board with that because we just met. We only lasted 7 months but she wanted to make her bills and responsibilities my bills and responsibilities. She still lives with her mom and doesn’t have much then a Jaguar she brags about that she can’t afford to repair. Biggest relief was when we split. I told her I’m not going to carry her burdens and she ended the relationship. Dodge a bullet with that one. Only thing she was good at doing is bragging about a time that was and comparing her lifestyle with mine. Even though she lives in the hood and I live in a decent neighborhood. Some people are weirdos to be honest.
Woody wtf. Not sure about where he lives, but in canada once you live with your partner for 12 consecutive months you are required to register as a common law partnership with the government. She is your wife. He sounds like a dick and the hosts are trying hard to help him save face by making it sound like he's just scared. He's actually just selfish.
Americans are different. They are so odd... terrible Healthcare system, no common-law safeguards (or few). I think they must love the phrase, "sucks to be you" when it comes to financial stuff.
@@itakenaps Most of those laws are off the books. However in rare cases Judges have ruled for insurance lawsuits that a couple that has lived together for 30 years, had kids, and never married are married in the eyes of the courts. Juries do not favor insurance companies over a committed relationship.
@@alinatamashevich3354 Your attitude is all wrong. Spending money on a woman is not to get a pay off out of her. You spend money on a woman as a way to show you care about her and her needs. For some reason a college memory (1977) popped into my head tonight. One of my friends saw me and asked where I was going. Into town just for a bit of change was what I told him. He pulled out his wallet and gave me $10 (the equivilant of $50 today. He didn't give it to me to get anything out of it, but he knew I was a poor student working my way through college. Nor did he ever expect to be paid back. My first boyfriend always brought me a present just about everytime he saw me, sometimes just an individual lemon pie but it was the thought that counts. My first husband was the greediest person I have ever known. He didn't want to spend a penny on me or the kids, but he always had his hand out. I hope you with your attitude towards women, never marries as you will me treating her terribly.
Woody reminds me of the song Ramblin’ Man. He wants to be untethered, which is why he calls his lady a girlfriend instead of his (common law) wife. He bobbles along through life going where he wills and at the same time keeping the lady for his own purposes and meanwhile she has lived a hard life. I have to say, I don’t understand either one of them, him for being so disconnected and her for putting up with him.
This is why can't take someone like this seriously. Instead of truly looking for solutions, he's relying on songs. Whaaaa? Instead of taking this seriously, he's cracking jokes. "Well, she's had a hard life." Yet you were just ready to leave her. Wow... just wow.
Woody’s common law wife needs to apply for SSI/SSDI, you can do it online yourself. She’s eligible immediately due to her medical issues. A hospital Social Worker &/or Doctor’s office can help you navigate insurance & Medicaid (if she’s not already on it). Since they don’t have much money, they’d also be eligible for charity care for any outstanding medical bills.
Kentucky does not recognize common law marriage (unless the couple legally established a common law marriage in another state and then moved to KY). Not all states recognize common law marriage.
Even if Kentucky doesn’t recognize common law marriages, it still sounds as if she doesn’t have any assets, since Woody gave her a place to live. Based on her own situation, she would still qualify for immediate SSI/SSDI, Medicaid, SNAP benefits & hospital charity care for medical bills that aren’t covered. A Social Worker in their state can help them navigate everything & also tell them what other resources they qualify for.
@@dsr8223You are absolutely correct with your statement on Kentucky’s legal standpoint regarding common law martial relationships. There’s also another key point I’d like to raise. Cohabitation is only one element that generally needs to be present in a common law relationship, it is not the only factor involved. The couple needs to hold out to the community as husband and wife, and regard one another as such. There are various ways this can be achieved. However, this gentleman is going on a nationally syndicated radio show and clearly stating that he does not consider this woman to be his wife. He goes on to give rationale for why they choose not to marry. To me that would place a significant barrier in establishing a common law relationship, even if the state they resided in recognized such relationship.
Wait! She is getting the treatment she was willing to settle for. He provides a roof and food…what was she doing during this time? Not much would be my guess…where are her retirement accounts? Savings? …she settled for this arrangement…she has no right to rewrite the contract she accepted. She didn’t demand the protection of marriage in the bargain. She got what she asked for…room and board…she doesn’t get to go back for a second helping
My SIL lived with a man, who would not marry her, 25 years. He had a congenital health problem; he wasn't living to be old. He was 60 and she 58, when he died. If they were married, SSA would pay her a widow's benefit at 60, ~$2000/mo for life. But she collected ~$1000/mo at 62, single.
@@genxx2724 Ex-wife got the house, 3 kids, alimony, child support. Started over at 35, with ~$2000/mo going out. It hardened his heart, plus knowing he was dying, his twin had died of it.
If u really love her… Take care of her, cherish her, and stand by her side‼️ Don’t be afraid to lose her… This life is over before we know it… Man up‼️ 20 yrs is 20 yrs… Give her that respect‼️
Insurance won't talk to him, she needs to call, but if insurance considers it a necessary procedure, do it and pay what you can or refuse to pay, whatever, you can't "afford" to die
I don’t understand why people who don’t wanna get married call this show. They push it so hard in their face. Even when it’s no part of the callers question. 😂😂
Yeah honestly. I’d love to call and ask for advice on handling finances with my partner, but I know the only response would be “get married and combine bank accounts or forget it”
20 years and she's still a girlfriend? Ladies, you need to stop giving away marriage benefits to these guys who just use you and then set you aside. Can we make morals popular again? No marriage benefits until after marriage, which means no living together, no sex, no combining finances, no playing house. Yikes! 😒 Get married and live your lives.
@Neoquaker1 Really? That's because men have learned they can find the cow and get the milk for free, and females are willingly spreading to give it with no committment and morals. It's sad.
If this woman was providing equal to what Woody provides in income and a roof I'm sure this call wouldn't have even happened. There's something he's not speaking up about and I feel like these health issues shes having fell on their lap and he realizeed his unfulfilling 20 year relationship has also turned into years of debt and pain for him.
What a surprise someone sprouting religion but contradicting that religion Story of every religious nut job ...all religions are the same hypocritical and contradictory
This has got to be the most craziest story I've heard thus far on Dave Ramsey . it's hilarious but at the same time it's very very sad. I would hate to be his woman😢
He definitely has an obligation to support his life partner in their time of need. Maybe not a legal obligation, but I don’t get my moral queues from the government
Kentucky makes no legal provision for common law relationships. She is not Woody's common law wife in KY. But she can get extra medical help. She needs to consult with the hospital's social workers.
This is why u get married to make the commitment to each other of in sickness and in health, through rich or poor...because clearly he only wants the benefits but not the responsibility of a relationship
She is a long term friend/roommate not really a girlfriend. Agree they need to know what this is going to cost, out of pocket, and where that is coming from.
This guy sounds just like a pretty well known youtuber. I can't remember what he goes by, is this call for real. The youtuber covers law cases and such.
Totally. I bet he's "old fashioned" in the ways the suit him, ie, domestic labour. So he's sucked the life out of her using her for 20 years and still is a girl friend
If he really wanted to he can get an annulment. It’s laziness/complacency. It’s really not as hard as people think. My mom and stepdad finally did from their first marriages even though they been legally married for almost 30 years just so they could finally get married in the church.Also…their first marriages lasted around 20years.
There are transplant coordinators assigned to each transplant recipient who are a fountain of information. These frequently go by organ, so in this case she may have two different transplant coordinators-one for kidney and one for heart. Call the hospital she will be going to and ask for the contact information for both kidney transplant coordinator and heart transplant coordinator. They can give you guidance on transplant costs as well as costs of anti-rejection medications she will need to consistently take for the rest of her life to prevent rejection of the transplanted organs. There are also social workers and case managers that can help guide her through this.
Not being her actual husband, his rights might be limited with regard to her medical information. A lawyer would be needed to set up a partnership agreement between them, and a hospital would have to be obligated to honor it. Woody sounds like he is more guilted about breaking up with a sick woman than about losing his best friend.
@@user-mv9tt4st9k either of them can get the coordinator’s contact information and reach out to them. Then the coordinator will confirm the patient information and transplant plans and at that time will establish (from the patient’s wishes) that he is to be included in the patient’s education and can discuss these issues with them. Transplant coordinators are very thorough at educating and part of that involves talking to both the patient and their support system to ensure medications and treatment plans are adhered to and thus the success of the transplanted organ. I can’t speak to what he’s feeling, I’m just giving additional information to piggyback off the shows advice to get information about procedure costs.
As far as the bills are concerned, they are not legally married,so he has no obligation to pay her medical bills.Morally is a different story. Plus she has insurance.
I'll say this, IF the bills are going to tidal wave her and bankrupt anyway and he can only add a little making no difference to being able to stay out of default, I see no reason for him to go broke with her. Doesn't change her medical care, but it helps them both if he doesn't go broke too. I mean, paying $20,000 of $500,000 bill and paying $40,000 of a $500,000 bill means nothing to staying out of default, but means everything to a guy with $20,000 to his name. It's like filling the gas tank of a car before a voluntary repo!
No. Her bills are her bills just as your bills are yours. You aren't married. And presumably, he has no say in how she spends her money. Responsibility without authority is slavery. If she wants help paying her bills, he should have a say in how she spends her money.
The answer is "No". Unless you're planning to marry her or you're feeling generous. This is why you shouldn't mess around with a "girlfriend" for 20years. Then call the show and ask dumb questions 😂😂😂
Woode (the caller): I am a wanderer .... same Woody: She has been my girlfriend for 20 years (so he is a "wanderer" that likes to have a fallback woman ?) Also: as a Catholic he can very well marry in the courthouse, for the church it is the same whether he marries her (in the legal sense, but not in church) or whether they simply live together. As he likely got divorced from another woman (after a Catholic church wedding) - as long as the former wife is alive he cannot not be married in church (in the sense that the church validates the second marriage). If a Catholic only married in the courthouse the first time, no problem, then this marriage was never valid in the eye of the Catholic church, and he can get divorced all he wants. But the Church status that does not matter at all for the LEGAL status. BTW: many divorced Catholics in Europe have a church service with a blessing. The priest cannot read a mass for them, with communion and all the regular procedures (then he would get into trouble with the upper crust in the Catholic church), but divorced Catholics * still "get married" a second time "in church". The priest are not so rigid and bend the rules as much as they can.
As a Canadian listener, I find it difficult to understand how only 16 states plus the District of Columbia recognise common law marriage in the United States. Seems ridiculous to me that a couple can live together 20 years and not have the same rights & obligations as a "married" couple. Seems as antiquated to me as denying women the right to vote. Women in Kentucky have had the right to vote since January 6, 1920. About time to recognise the reality that common law marriages happen there too.
No Medicare, Medicare supplement, Medicare Advantage, or Medicaid program is going to pay for a heart transplant OUTSIDE the United States. From watching this video, I get the impression that this couple is on an Advantage plan, which means you'd be lucky if your "insurance" pays for a couple of Tylenol and a Band-Aid if you cut off your hand. Without prior insurance authorization, there is no possible way this poor woman in on any kind of legitimate organ-donor waiting list.
If she wanted marriage and the protections it offers she should have left if he wasn’t interested. He has told her and told her over and over that that she doesn’t rate the place of being his wife. She dug this hole for herself.
They really love to push marriage agenda on this show. He's under no obligation to marry her if they are both in agreement they don't want to do as such.
Because biblically, ethically, and financially it is a better choice than just living together. This show, these people, and company believe that marriage is important, everyone knows that before they call. No one is forcing them to marry, and no one is forcing them to call the show. If you don’t want that advice, seek advice elsewhere.
The point of telling people they're married in a situation like this (been together over 20+ years) is that while they aren't legally obligated they are morally obligated. If you are dating someone and 3 months into it they need all this you are not anywhere near as morally obligated because you don't know where the relationship is going, but at this point if you are someone who just doesn't believe in marriage that's fine, but clearly this person is your partner and they mean something to you. If I was unmarried to someone for 20+ years and they needed expensive medical procedures I wouldn't even question if I need to help with the financial burden and I certainly wouldn't call to ask if I have to pay them as if I'm hoping to be told that it's not my problem so I can walk away from it; which is what he tried to do. He called because he felt a moral obligation to assist with the bills and was hoping someone would tell him he wasn't on the basis of marriage. Before I married my wife she had over 40k of student loan debt and we discussed dealing with it and finances in general. She assumed it was her problem to deal with and didn't even think we would even combine finances, and I had to talk her out of that mentality because from my point of view it didn't sit right that I would live my life in wealth while she struggle bussed through debt payments. I'm not religious and I don't even follow the Ramsey Baby Steps (didn't really even know he existed back then), I just understood that morally speaking it was pretty F'd up to do that to your partner at that point in the relationship and it's the same situation here. Even if they were going to break up soon it'd still be pretty messed up to hang them out to dry after spending over 20 years of your life with them.
Woody is sneaky link and she's probably the sidepiece the ex-wife sent Woody too. If she has traditional medicare with a supplemental policy, Medicare and the Policy will pay for the bulk or all of it. Sounds like he was suggesting a Humana Medicare Advantage. Assuming this is all approved, there is usually a co-pay or coinsurance up to the Max Out of Pocket specified by the plan. They should be calling the number on the back of card.
Just an FYI. I have regular old Medicare, but if you have Advantage through Humana, double check your that providers accepts it. Christina Care is the biggest hospital in the Delaware area and includes other states. Humana dropped them rather quietly a few weeks ago. I’ve never had Advantage but people are scrambling looking for someplace new. Not trying to start a controversy - just trying to avoid anyone being blindsided.
Yeah they spent the entirety of the call trying to get this old timer to marry a woman he clearly doesn't want to marry. And not a good time to be getting married when she's about to incur a bunch of medical debt.
No he is NOT married. They did not want to get married, they did not sign the government contract, and no, he is not liable for her medical bills. They are her problem, not his.
she shouldve been worming somewhat for the past 20 years. Make it together and strengthen each other. U have to talk to her and say we can push forward togehter and support each other. It won't b perfectm but be there for each other and both provide. Not the time to stay home and wait to die
So funny to hear someone on a national radio show refer to “St. Thomas” hospital and I know exactly where he’s talking about!😂 Also, since they aren’t married, Woody might be limited in what he has rights to do, at any rate
Morally , he should and it’s just awful that hr questions his responsibility to her. That being said, she should apply got RSDI if she already hasn’t and see what portion of the bills can be paid by Medicaid.
He is right on being Catholic and not supposed to get remarried without an annulment but he is also not supposed to live with another woman as she is his wife
Absolutely right, his current relationship amounts to adultery. So much for being old fashioned.
He also isn’t supposed to get up and leave for a month to go try someone new out. This guy is a huge disappointment. She can’t leave because she has nothing else.
He probably doesn’t want to force himself and her to go through the annulment process . It’s painfully dumb and has no purpose.
Then why even ask if he needs to pay for her bills? lol. Obviously he has doubts about her being his “unofficial” wife.
Because he is scared, like all of the "wanderer" types often are.
Delony just adds the best comments!!! Love, love, love Delony!
Woody: “she’s had a hard life”
Delony: “Well she’s been with you for 25-30% of it” 😂
Woody: I am old fashioned. Also Woody, My girlfriend and I have been living together for 20 years.
Such a contradiction 😅
🤣🤣🤣
😂😂😂😂😂
The logic of most men......
Old fashion trash.
"she watches the house, make sure no one steal nothing."
Delony: your describing my dog! 😆 🤣
*you're
I feel so sorry for his girlfriend.
I am so glad I married a real man who took care of me and our family. ❤
Dear Lord. Why would a woman think so little of herself to put up with that attitude from him? Geez frickin' Louise.
Because if they all went for Chad, many of them would be on the streets.
He's the best she could get.
@@dsr8223 Maybe. Maybe they are keeping stuff separated out for legal/tax reasons. Maybe for insurance purposes. Maybe they've both just been burned and neither one of them want to be legally married or obligated. I've seen a lot of strange situations over the years and try not to get in other people's business. But, especially back in the poor parts of the country (I have family there in KY), sometimes love or money or class-mobility isn't your goal, just being with someone that treats you right, changes your truck battery when it needs it and fixes you a cup of coffee on a cold day and lemonade on a hot summer day is enough to get through life!
@@joejoe-bs6jq True words.
She’s literally given him 20 years of her actual life and now he’s on Al Gore’s whole ass internet asking strangers if he should take care of her bc she’s sick? 🤦🏽♀️
he is asking if he should take care of her medical bills. He is terrified of losing her, as John got to the bottom of in the call
I really disliked this dude by the end of the call. I don't think he actually loves her. That woman gave him 20 years and this is what he's asking? John was being hopeful, but Jade knew what it was.
Ladies, this is a cautionary tale
I wish Dave was there. He would have hit em with that country slang real quick!
It sounded like he wanted to ask in case she didn't make it, can the hospital send their lawyers after him for the medical bills.
Oooh interesting, that actually makes this call make SO much more sense. Maybe he wasn’t asking “do I have to help her”, but “if she doesn’t make it am I legally stuck with a mountain of debt”. Two very, very different questions
@@voidfroze good point
Bingo!
That would be a no. They not married he is not responsible legally for any of her bills. If he marries her, he should after the surgery. Not before. For that reason.
“Woody from Kentucky” paired with this personality is so fitting 😂😂😂
Woody clearly got burned in his divorce and learned his lesson. Being with his girlfriend for 20 years legally he isn’t responsible, but morally I think he should help.
This. She has been with him 20 yrs. She is more than a friend so of course he should help her out.
Help her naaaaaaaaahhhhh
He might be legally responsible under common law, since KY has a common law clause. But he would need to contact a lawyer to be 100% sure
@@crashtestdummy1972 KY does not have common law marriage
Why all the want is your man juice
He is a classic loser. He does not want to help her now that she is broken? She has been a 'friend with benefits'. They are basically common-law marriage. He is basically wanting to divorce her that things are going bad. If the tables were flipped what would he want?
Well, when you live as poor as they do in KY; there is no time to care. He needs to drop and move on.
@@wewhoareabouttodiesaluteyo9303 they are poor because of stuff like this
Kentucky does not have common law. The girlfriend had no business being his honorable come up queen.
@@wewhoareabouttodiesaluteyo9303 I agree with you about living poor in KY. I still have family there (heck, Woody could be just like any of my family). And, as a person who grew up with not a lot of money (lower-middle class....not poor, but not middle-middle class either), I actually have a similar outlook on money that Woody does....when you have no money, you also have no money problems! Not a great way to live, but that's how you look at life. Anyhow, I do agree with the original poster (that you replied to) about doing things if the tables were flipped. He may have a friend, or a friend with benefits...or a common law wife....doesn't matter. If he was sick and had been living with this person for 20 years, what would he want from his partner? I'm not talking expectations, I'm talking want. I expect nothing, but darn, what would I want? And, would I want my partner to be asking these questions, or are they the type of person that would just hand you their wallet and shirt off their back without question. That's the type of person I strive to be. Sometimes I'm better at it than others, but that's who I strive to be.
Kentucky doesn't have common law marriage.
This is crazy. I feel so bad for his girlfriend. 20 years lost he just doesn’t care at all you can definitely tell.
He does care. He is just putting up a front
He's really cares,he's scared...that's why he called in😢
If I survived this I would leave this man
actually I've seen people get 'legally' divorced when one of them comes down with cancer or another serious but terminal medical condition. It's a move to protect the surviving spouse from the insurmountable medical debt. Because in America, the medical bills can come after you for every little bit you own. So if wife dies, but has 200k in Chemo treatments not covered by insurance(because there are lifetime maxes on health insurance) the husband is libel for the debt. I've seen them take people's houses. So he could be homeless and bankrupt and his wife is dead. They don't care. The insurance company wants their money. And they legally can take whatever you own to collect it. So divorcing is a way to protect the spouse whose left behind from being tagged with debt that will bankrupt them. This is the sad reality of the the healthcare system in america.
@@jgray690Oh wow. I hadn’t thought of that.
Smart. And depressing 😢
So let me get this straight. Catholics cannot remarry but can live together as a husband and wife would without a covenant of marriage? Yeah right. He got burned bad in his divorce and just doesn't want to look after anyone but himself while still getting what he wants from a relationship.
Exactly!
There are lots of ways to get a Catholic marriage annulled. Catholics can absolutely remarry.
When you are that poor in KY, you do anything to survive.
Woody is as Catholic as Joe Biden and Nancy Pelosi is.
Haha, he can just get divorced and remarried, not by the church. He clearly doesn't follow the church anyways.
Woody: “She’s had a hard life.”
Deloney: “Well she’s been with you 25-30% of it!!!”
I died!🤣💀
This guy has sucked the life out of her for 20 years and in her time of need...
Just wow.
Blantant misandry
She's strong and independent, and she can pay her own bills.
@@johnlanier3616thank you for identifying yourself as a lonely misogynist
@MamaLove2118 Okay, she's a woman, so obviously, she can't pay her bills without the help of a man. I've now taken both sides. Have a nice day.
lmao ikr is she strong and independant or does she need a mans help. either way youre still a misogynist, american women are fun arent they@@johnlanier3616
20 years 😢😢bless her heart 🤦🏾♀️
Misandry
I’m 27. I dated a 42 year divorce women who on the second week of our new relationship she wanted to get married and I just was not on board with that because we just met. We only lasted 7 months but she wanted to make her bills and responsibilities my bills and responsibilities. She still lives with her mom and doesn’t have much then a Jaguar she brags about that she can’t afford to repair. Biggest relief was when we split. I told her I’m not going to carry her burdens and she ended the relationship. Dodge a bullet with that one. Only thing she was good at doing is bragging about a time that was and comparing her lifestyle with mine. Even though she lives in the hood and I live in a decent neighborhood. Some people are weirdos to be honest.
Geez...this woman doesn't work so state medical is paying for this. Woody just needs to NOT sign any papers they had him
some people just want meal tickets.
Red flag 🚩 when all they talk about is the past
She was a freak in the sack. Fun for a while, I'm sure, but glad you got out of there!
@@Billybob992.1 No problem, he'll go snag a unicorn this weekend.
Woody wtf. Not sure about where he lives, but in canada once you live with your partner for 12 consecutive months you are required to register as a common law partnership with the government. She is your wife. He sounds like a dick and the hosts are trying hard to help him save face by making it sound like he's just scared. He's actually just selfish.
it varies state by state.
Americans are different. They are so odd... terrible Healthcare system, no common-law safeguards (or few). I think they must love the phrase, "sucks to be you" when it comes to financial stuff.
@@itakenaps Most of those laws are off the books. However in rare cases Judges have ruled for insurance lawsuits that a couple that has lived together for 30 years, had kids, and never married are married in the eyes of the courts. Juries do not favor insurance companies over a committed relationship.
She is NOT his wife. She is a 20 year long live in girlfriend.
@@breezybre2670Girlfriends dont live with you. Common law partners live with you. But this is also the reason Dave tells people not to "play house".
This guy doesn't want to spend a penny on her.
Spending money on women never pays off, just like owning a yacht. Endless money pits.
@@alinatamashevich3354 Your attitude is all wrong. Spending money on a woman is not to get a pay off out of her. You spend money on a woman as a way to show you care about her and her needs. For some reason a college memory (1977) popped into my head tonight. One of my friends saw me and asked where I was going. Into town just for a bit of change was what I told him. He pulled out his wallet and gave me $10 (the equivilant of $50 today. He didn't give it to me to get anything out of it, but he knew I was a poor student working my way through college. Nor did he ever expect to be paid back. My first boyfriend always brought me a present just about everytime he saw me, sometimes just an individual lemon pie but it was the thought that counts. My first husband was the greediest person I have ever known. He didn't want to spend a penny on me or the kids, but he always had his hand out.
I hope you with your attitude towards women, never marries as you will me treating her terribly.
One day you find love, not with that toxic attitude though@@alinatamashevich3354
Lol
Woody reminds me of the song Ramblin’ Man. He wants to be untethered, which is why he calls his lady a girlfriend instead of his (common law) wife. He bobbles along through life going where he wills and at the same time keeping the lady for his own purposes and meanwhile she has lived a hard life. I have to say, I don’t understand either one of them, him for being so disconnected and her for putting up with him.
People settle all the time
Little mind games people play with themselves.
Most states don't have common law marriage. She is just his girlfriend.
"If you ain't got no work, the family is not coming around." So true. 🤣🤣🤣🤣🤣
The wanderer/rolling stone that has not moved in 20 years! LOL
In his dreams, he's quite a dude.
This is why can't take someone like this seriously. Instead of truly looking for solutions, he's relying on songs. Whaaaa?
Instead of taking this seriously, he's cracking jokes.
"Well, she's had a hard life." Yet you were just ready to leave her. Wow... just wow.
hahahahahahah it is rather childish he avoids responsibility, he wants the milk but doesn't need the cow.
Woody’s common law wife needs to apply for SSI/SSDI, you can do it online yourself. She’s eligible immediately due to her medical issues. A hospital Social Worker &/or Doctor’s office can help you navigate insurance & Medicaid (if she’s not already on it). Since they don’t have much money, they’d also be eligible for charity care for any outstanding medical bills.
Kentucky does not legally recognize common law relationships.
After ten years living together by law they are husband and wife right?
Kentucky does not recognize common law marriage (unless the couple legally established a common law marriage in another state and then moved to KY). Not all states recognize common law marriage.
Even if Kentucky doesn’t recognize common law marriages, it still sounds as if she doesn’t have any assets, since Woody gave her a place to live. Based on her own situation, she would still qualify for immediate SSI/SSDI, Medicaid, SNAP benefits & hospital charity care for medical bills that aren’t covered. A Social Worker in their state can help them navigate everything & also tell them what other resources they qualify for.
@@dsr8223You are absolutely correct with your statement on Kentucky’s legal standpoint regarding common law martial relationships. There’s also another key point I’d like to raise. Cohabitation is only one element that generally needs to be present in a common law relationship, it is not the only factor involved. The couple needs to hold out to the community as husband and wife, and regard one another as such. There are various ways this can be achieved. However, this gentleman is going on a nationally syndicated radio show and clearly stating that he does not consider this woman to be his wife. He goes on to give rationale for why they choose not to marry. To me that would place a significant barrier in establishing a common law relationship, even if the state they resided in recognized such relationship.
The answer, with no feelings attached is, no he's not - that said, he should help her any way he can and exhaust any resource.
Wait! She is getting the treatment she was willing to settle for. He provides a roof and food…what was she doing during this time? Not much would be my guess…where are her retirement accounts? Savings? …she settled for this arrangement…she has no right to rewrite the contract she accepted. She didn’t demand the protection of marriage in the bargain. She got what she asked for…room and board…she doesn’t get to go back for a second helping
My SIL lived with a man, who would not marry her, 25 years.
He had a congenital health problem; he wasn't living to be old.
He was 60 and she 58, when he died.
If they were married, SSA would pay her a widow's benefit at 60, ~$2000/mo for life.
But she collected ~$1000/mo at 62, single.
It sounds as if didn’t love her and didn’t want to protect her. Hard to believe at 25 years.
@@genxx2724 Ex-wife got the house, 3 kids, alimony, child support.
Started over at 35, with ~$2000/mo going out. It hardened his heart, plus knowing
he was dying, his twin had died of it.
He didn't care! And she is ok with it. I guess.
Woody, You are so lucky that your 'wife' is still with you. Learn to count your blessing which includes her!
She’s not really a girlfriend, she’s his wife just not officially.
💯 in many other civilised countries it would be defacto and just the same as marriage
If u really love her… Take care of her, cherish her, and stand by her side‼️ Don’t be afraid to lose her… This life is over before we know it… Man up‼️ 20 yrs is 20 yrs… Give her that respect‼️
This is tough. His common law wife is really in need for him to be there for her.
Hopefully, he is there for her as she goes through this.
Insurance won't talk to him, she needs to call, but if insurance considers it a necessary procedure, do it and pay what you can or refuse to pay, whatever, you can't "afford" to die
I don’t understand why people who don’t wanna get married call this show. They push it so hard in their face. Even when it’s no part of the callers question. 😂😂
Yeah honestly. I’d love to call and ask for advice on handling finances with my partner, but I know the only response would be “get married and combine bank accounts or forget it”
@@voidfrozeWhy is that bad advice?
What a shady old man 😒
20 years and she's still a girlfriend? Ladies, you need to stop giving away marriage benefits to these guys who just use you and then set you aside. Can we make morals popular again?
No marriage benefits until after marriage, which means no living together, no sex, no combining finances, no playing house. Yikes! 😒
Get married and live your lives.
There are no marriage benefits for a man. But nice try 😂
@Neoquaker1 Really? That's because men have learned they can find the cow and get the milk for free, and females are willingly spreading to give it with no committment and morals. It's sad.
@@Neoquaker1this has been discussed…men are healthier, wealthier and happier in a HEALTHY marriage. It’s their fault for proposing to trash
Right!!
@@OopThereItIs77777 Yes, you're right. But what are the odds of finding such a perfect partner.
If this woman was providing equal to what Woody provides in income and a roof I'm sure this call wouldn't have even happened. There's something he's not speaking up about and I feel like these health issues shes having fell on their lap and he realizeed his unfulfilling 20 year relationship has also turned into years of debt and pain for him.
This definitely isn’t Dave advice. Dave would say nothing unless married.
Most Doubtful. And even if he did who cares? It's his life and who needs Papa's approval on a scenerio like this one?
I pay my bills 😅
@@ZoKitchenAwesome. Would you like to pay mine?
@@JustinCase780 don’t call his show then
No you are not responsible for her medical bills
He strongly stated he is Catholic. They can’t get married because they can’t possibly can’t get annulments, but they’re living together? 😂
Yes 100%. I'm Catholic. Marriage is a sacrament. Divorce is a sin.
@@djpuplex, I agree! So is fornication.
@@angelamccarthy4731 Fornication not a sacrament. Marriage is
What a surprise someone sprouting religion but contradicting that religion
Story of every religious nut job ...all religions are the same hypocritical and contradictory
This has got to be the most craziest story I've heard thus far on Dave Ramsey . it's hilarious but at the same time it's very very sad. I would hate to be his woman😢
Everyone I've talked to in Kentucky sounds exactly like this guy 😂
LOL I was cracking up at the intro with the old timer saying he's calling on a flip phone!
I lived in KY for 20 years (1998-2018), and NO one I knew talked like that. It depends on where you live and whom you associate with
Mitch McConnell ?
He has no obligation to pay but being w her for 20 years you’d think she’d be her ride or die..woody said I provide a roof and food! lol
He definitely has an obligation to support his life partner in their time of need. Maybe not a legal obligation, but I don’t get my moral queues from the government
“I’m a wanderer.” Sorry man, you’re not. Just accept it and marry that poor woman.
Unless he's cheating lol
Kentucky makes no legal provision for common law relationships. She is not Woody's common law wife in KY.
But she can get extra medical help. She needs to consult with the hospital's social workers.
No common law! Wow interesting
So from what I’m hearing he can provide shelter but not sure about her bills .. good luck 🍀
This is why u get married to make the commitment to each other of in sickness and in health, through rich or poor...because clearly he only wants the benefits but not the responsibility of a relationship
She is a long term friend/roommate not really a girlfriend.
Agree they need to know what this is going to cost, out of pocket, and where that is coming from.
This guy sounds just like a pretty well known youtuber. I can't remember what he goes by, is this call for real. The youtuber covers law cases and such.
I'm catholic hahahahaha that was so silly it's hilarious.
The church that makes Boy Scouts millionaires!
This is why I will never be a 20-year bitty!
Huh?
@@MikeyPaper A bitty aka a long-term girlfriend.
Totally. I bet he's "old fashioned" in the ways the suit him, ie, domestic labour.
So he's sucked the life out of her using her for 20 years and still is a girl friend
@@janebaker4912 Perhaps but she agreed and allowed it. It appears to be a mutually agreed arrangement.
You shouldn't have to pay her bills as your wife either. You're only responsible for joint expenses when married, not dating.
He mentioned catholic because he believes biblically you can only be married once unless your spouse has died.
But it is still a sin to live together out of wedlock.
That can be forgiven but remarriage means you're living in continuous sin. If you have this belief lol. @@joycewright5386
If he really wanted to he can get an annulment. It’s laziness/complacency. It’s really not as hard as people think. My mom and stepdad finally did from their first marriages even though they been legally married for almost 30 years just so they could finally get married in the church.Also…their first marriages lasted around 20years.
There are transplant coordinators assigned to each transplant recipient who are a fountain of information. These frequently go by organ, so in this case she may have two different transplant coordinators-one for kidney and one for heart. Call the hospital she will be going to and ask for the contact information for both kidney transplant coordinator and heart transplant coordinator. They can give you guidance on transplant costs as well as costs of anti-rejection medications she will need to consistently take for the rest of her life to prevent rejection of the transplanted organs. There are also social workers and case managers that can help guide her through this.
That’s a fantastic suggestion! They need to start there.
Not being her actual husband, his rights might be limited with regard to her medical information. A lawyer would be needed to set up a partnership agreement between them, and a hospital would have to be obligated to honor it.
Woody sounds like he is more guilted about breaking up with a sick woman than about losing his best friend.
@@user-mv9tt4st9k either of them can get the coordinator’s contact information and reach out to them. Then the coordinator will confirm the patient information and transplant plans and at that time will establish (from the patient’s wishes) that he is to be included in the patient’s education and can discuss these issues with them. Transplant coordinators are very thorough at educating and part of that involves talking to both the patient and their support system to ensure medications and treatment plans are adhered to and thus the success of the transplanted organ.
I can’t speak to what he’s feeling, I’m just giving additional information to piggyback off the shows advice to get information about procedure costs.
As far as the bills are concerned, they are not legally married,so he has no obligation to pay her medical bills.Morally is a different story. Plus she has insurance.
I'll say this, IF the bills are going to tidal wave her and bankrupt anyway and he can only add a little making no difference to being able to stay out of default, I see no reason for him to go broke with her. Doesn't change her medical care, but it helps them both if he doesn't go broke too. I mean, paying $20,000 of $500,000 bill and paying $40,000 of a $500,000 bill means nothing to staying out of default, but means everything to a guy with $20,000 to his name. It's like filling the gas tank of a car before a voluntary repo!
He didn't put a ring on it, so he isn't responsible for it. It goes gf->fiance->wife, and the first two don't count.
He ain’t Catholic, I’ll tell you that… 🤨🤦♀️🙄
Why not? All my Catholic friends have girlfriends/boyfriends for decade or more.
Some people live together but don't get married because the government pays them not to.
I wish the other person in the relationship could hear how their significant other talks about then when they aren't there to hear.
She can pay her own bills. Remember women are strong and independent.
Stunning and brave too!
My two fav hosts!!😊
No. Her bills are her bills just as your bills are yours. You aren't married. And presumably, he has no say in how she spends her money. Responsibility without authority is slavery. If she wants help paying her bills, he should have a say in how she spends her money.
Some states might make it his responsibility under common law, but results may vary on where they live.
@@crashtestdummy1972 True. A moronic law that keeps some from ever cohabitating.
@@crashtestdummy1972Kentuvky does not recognize common law marriage.
What he said….I never said for better or for worse. So now that it’s worse, I need to know if I have an out.
Hospice is a thing. Dying a noble death is a thing. It's worth considering
Just get married.. geez. He isn't concerned for her health. Dang. Gosh. Speechless.
The answer is "No". Unless you're planning to marry her or you're feeling generous. This is why you shouldn't mess around with a "girlfriend" for 20years. Then call the show and ask dumb questions 😂😂😂
This has to be the funniest caller ever.
“I travel a lot amd she watches the house” 😂😂
Sounds like a real winner. Smoker's cough and all.
I'll bet you a dollar she sounds exactly the same, too.
"That's a Chip & Joanna makeover, that's all the way down to the studs" lolol
Woode (the caller): I am a wanderer .... same Woody: She has been my girlfriend for 20 years (so he is a "wanderer" that likes to have a fallback woman ?) Also: as a Catholic he can very well marry in the courthouse, for the church it is the same whether he marries her (in the legal sense, but not in church) or whether they simply live together. As he likely got divorced from another woman (after a Catholic church wedding) - as long as the former wife is alive he cannot not be married in church (in the sense that the church validates the second marriage). If a Catholic only married in the courthouse the first time, no problem, then this marriage was never valid in the eye of the Catholic church, and he can get divorced all he wants.
But the Church status that does not matter at all for the LEGAL status.
BTW: many divorced Catholics in Europe have a church service with a blessing. The priest cannot read a mass for them, with communion and all the regular procedures (then he would get into trouble with the upper crust in the Catholic church), but divorced Catholics * still "get married" a second time "in church". The priest are not so rigid and bend the rules as much as they can.
Wow, what a call.
As a Canadian listener, I find it difficult to understand how only 16 states plus the District of Columbia recognise common law marriage in the United States. Seems ridiculous to me that a couple can live together 20 years and not have the same rights & obligations as a "married" couple. Seems as antiquated to me as denying women the right to vote. Women in Kentucky have had the right to vote since January 6, 1920. About time to recognise the reality that common law marriages happen there too.
I'm Canadian too and this to me is ludicrous
No Medicare, Medicare supplement, Medicare Advantage, or Medicaid program is going to pay for a heart transplant OUTSIDE the United States. From watching this video, I get the impression that this couple is on an Advantage plan, which means you'd be lucky if your "insurance" pays for a couple of Tylenol and a Band-Aid if you cut off your hand. Without prior insurance authorization, there is no possible way this poor woman in on any kind of legitimate organ-donor waiting list.
This man dug himself deeper every sentence
yea except if one of them wants to leave, she can without dealing with a biased judge and court system.
I wouldnt want to be in a relationship with someone like this.
If she wanted marriage and the protections it offers she should have left if he wasn’t interested. He has told her and told her over and over that that she doesn’t rate the place of being his wife. She dug this hole for herself.
I love Jades shirt.
Original Medicare, which includes Part A and Part B, does not have an out-of-pocket spending limit.
Yikes, that's bad news for woody.
He mentions Humana. In ohio and Kentucky for sure, there is a Humana Medicare Advantage and a Medicaid/Medicare version I think too.
Flip phone...20 years of dating... ☹️ What a mess😔
A flip phone is the only good kind.
Delony's accent gets stronger when he talks to someone from the South.
What a wild call
1:31 Great Point 💯✔️
Wood he pay or Wood he not pay. Hard to say!
oh wow that was a REAL knee slapper bud!
I see what you did there 😂
Woody is the smartest man to call EVER!!! Simps and feminist will never understand.
And he is wise, and Red Pilled.
No. She is your girlfriend, not your wife. That noted, help out where it is reasonable.
After 20 years just the same as a wife
@@ykook7000 Complete with nagging and sagging
They really love to push marriage agenda on this show. He's under no obligation to marry her if they are both in agreement they don't want to do as such.
Because biblically, ethically, and financially it is a better choice than just living together. This show, these people, and company believe that marriage is important, everyone knows that before they call. No one is forcing them to marry, and no one is forcing them to call the show. If you don’t want that advice, seek advice elsewhere.
It's kind of annoying.
@@benjaminhough8804 Not everyone lives biblically, or cares to. Not everyone believe is :god".
The point of telling people they're married in a situation like this (been together over 20+ years) is that while they aren't legally obligated they are morally obligated. If you are dating someone and 3 months into it they need all this you are not anywhere near as morally obligated because you don't know where the relationship is going, but at this point if you are someone who just doesn't believe in marriage that's fine, but clearly this person is your partner and they mean something to you. If I was unmarried to someone for 20+ years and they needed expensive medical procedures I wouldn't even question if I need to help with the financial burden and I certainly wouldn't call to ask if I have to pay them as if I'm hoping to be told that it's not my problem so I can walk away from it; which is what he tried to do. He called because he felt a moral obligation to assist with the bills and was hoping someone would tell him he wasn't on the basis of marriage.
Before I married my wife she had over 40k of student loan debt and we discussed dealing with it and finances in general. She assumed it was her problem to deal with and didn't even think we would even combine finances, and I had to talk her out of that mentality because from my point of view it didn't sit right that I would live my life in wealth while she struggle bussed through debt payments. I'm not religious and I don't even follow the Ramsey Baby Steps (didn't really even know he existed back then), I just understood that morally speaking it was pretty F'd up to do that to your partner at that point in the relationship and it's the same situation here. Even if they were going to break up soon it'd still be pretty messed up to hang them out to dry after spending over 20 years of your life with them.
Woody is sneaky link and she's probably the sidepiece the ex-wife sent Woody too. If she has traditional medicare with a supplemental policy, Medicare and the Policy will pay for the bulk or all of it. Sounds like he was suggesting a Humana Medicare Advantage. Assuming this is all approved, there is usually a co-pay or coinsurance up to the Max Out of Pocket specified by the plan. They should be calling the number on the back of card.
Just an FYI. I have regular old Medicare, but if you have Advantage through Humana, double check your that providers accepts it. Christina Care is the biggest hospital in the Delaware area and includes other states. Humana dropped them rather quietly a few weeks ago. I’ve never had Advantage but people are scrambling looking for someplace new. Not trying to start a controversy - just trying to avoid anyone being blindsided.
It's been a while since I've seen a teal Nirvana sweat shirt.
Smells like......
Enough with forcing people into marriage. They agreed not to get married. So that's it, drop it. No reason to keep on harping on about it.
Unfair to the woman but she settled for it. My coworker same situation man died and no social security so she lost apartment, then job, then her life
You mean they failed to agree to anything.
Yeah they spent the entirety of the call trying to get this old timer to marry a woman he clearly doesn't want to marry. And not a good time to be getting married when she's about to incur a bunch of medical debt.
@@georgewagner7787 He said they both decided to not get married.
@@georgewagner7787 But women are stunning and brave
This is how hill people think/talk. not country people.
Agree. There a difference.
No he is NOT married. They did not want to get married, they did not sign the government contract, and no, he is not liable for her medical bills. They are her problem, not his.
All I can say is WOW!!!!!!!!!
she shouldve been worming somewhat for the past 20 years. Make it together and strengthen each other. U have to talk to her and say we can push forward togehter and support each other. It won't b perfectm but be there for each other and both provide. Not the time to stay home and wait to die
Damn, Woody…ice cold
Stone cold Woody
So funny to hear someone on a national radio show refer to “St. Thomas” hospital and I know exactly where he’s talking about!😂 Also, since they aren’t married, Woody might be limited in what he has rights to do, at any rate
Home of the Sisters of no Mercy, that bill shows up before you get discharged!
Morally , he should and it’s just awful that hr questions his responsibility to her. That being said, she should apply got RSDI if she already hasn’t and see what portion of the bills can be paid by Medicaid.