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

"she watches the house, make sure no one steal nothing." Delony: your describing my dog! 😆 🤣

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” 😂

I feel so sorry for his girlfriend.

Dear Lord. Why would a woman think so little of herself to put up with that attitude from him? Geez frickin' Louise.

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.

Woody: I am old fashioned. Also Woody, My girlfriend and I have been living together for 20 years.

“Woody from Kentucky” paired with this personality is so fitting 😂😂😂

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? 🤦🏽‍♀️

This is crazy. I feel so bad for his girlfriend. 20 years lost he just doesn’t care at all you can definitely tell.

I wish Dave was there. He would have hit em with that country slang real quick!

I am so glad I married a real man who took care of me and our family. ❤

Ladies, this is a cautionary tale

The wanderer/rolling stone that has not moved in 20 years! LOL

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.

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.

Woody: “She’s had a hard life.” Deloney: “Well she’s been with you 25-30% of it!!!” I died!🤣💀

This guy doesn't want to spend a penny on her.

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.

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?

"If you ain't got no work, the family is not coming around." So true. 🤣🤣🤣🤣🤣

This guy has sucked the life out of her for 20 years and in her time of need... Just wow.

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.

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.

20 years 😢😢bless her heart 🤦🏾‍♀️

Everyone I've talked to in Kentucky sounds exactly like this guy 😂

Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.

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.

She’s not really a girlfriend, she’s his wife just not officially.

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.

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.

What a shady old man 😒

Wood he pay or Wood he not pay. Hard to say!

My two fav hosts!!😊

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. 😂😂

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.

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

He ain’t Catholic, I’ll tell you that… 🤨🤦‍♀️🙄

“I’m a wanderer.” Sorry man, you’re not. Just accept it and marry that poor woman.

I'm catholic hahahahaha that was so silly it's hilarious.

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‼️

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

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 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.

This definitely isn’t Dave advice. Dave would say nothing unless married.

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.

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.

Sounds like a real winner. Smoker's cough and all.

Some people live together but don't get married because the government pays them not to.

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.

Woody, You are so lucky that your 'wife' is still with you. Learn to count your blessing which includes her!

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😢

"That's a Chip & Joanna makeover, that's all the way down to the studs" lolol

No you are not responsible for her medical bills

This is why I will never be a 20-year bitty!

So from what I’m hearing he can provide shelter but not sure about her bills .. good luck 🍀

Original Medicare, which includes Part A and Part B, does not have an out-of-pocket spending limit.

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.

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? 😂

Wow, what a call.

This has to be the funniest caller ever.

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!

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.

He mentioned catholic because he believes biblically you can only be married once unless your spouse has died.

What a wild call

I love Jades shirt.

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

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.

Flip phone...20 years of dating... ☹️ What a mess😔

It's been a while since I've seen a teal Nirvana sweat shirt.

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.

This man dug himself deeper every sentence

I wish the other person in the relationship could hear how their significant other talks about then when they aren't there to hear.

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.

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

yea except if one of them wants to leave, she can without dealing with a biased judge and court system.

The Title is Crazy... 😅 for some women love is transactional

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.

No backbone woody

Delony's accent gets stronger when he talks to someone from the South.

I thought this was going to be some 20 yr old that met a gold digger that wanted money😂 This episode went the complete opposite direction lol

No... they are NOT married... shis is not his wife.

This is how hill people think/talk. not country people.

Hospice is a thing. Dying a noble death is a thing. It's worth considering

Damn, Woody…ice cold

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. 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.

She can pay her own bills. Remember women are strong and independent.

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.

I wouldnt want to be in a relationship with someone like this.

*What happened to the dress code over there at Ramsey?*

The medical bills are just stupid in American if something happens to me again I’ll just die. Had tonsillitis and they charged me 5K for a quick hospital stay.

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 😂😂😂

Just get married.. geez. He isn't concerned for her health. Dang. Gosh. Speechless.

I mean if you want to donate but if your having sex and living together that’s wrong.

I thought if someone has a transplant, especially without insurance they have to come up with a bunch of money on their own or no transplant

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.

I sure hope this guy was just scared about the situation and just reaching out because he's too afraid to think about the future

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.

No. She is your girlfriend, not your wife. That noted, help out where it is reasonable.