Should I Avoid Getting Married Because of THIS?
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- Опубліковано 14 жов 2024
- Should I Avoid Getting Married Because of THIS?
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Thank you
Your advice this time was bad Dave, he should not get married and they better keep that insurance for that child. Stop thinking its the 1800’s and marriage is the end all be all Dave!
After reading a lot of comments, I can assume 99.9% of men would agree this guy should not get married.
His life. He can do what he wants. I on the other hand have always been repulsed to the idea of raising another man’s seed.
With her not having a job, I agree. Because it sounds like he’s about to take on a lot. Even past the insurance situation.
@@jacobwiebe1460 I get not wanting to date a single parent (lots of drama and boundary issues), but not even adoption? So repulsed by it to dehumanize the child?
@@Nersius I did not have the adoption aspect in mind in my previous post. I am in favor of adoption. Adoption is a completely different conversation though.
@@jacobwiebe1460 I mean there’s plenty of single men who have children, no one aims to date single dads or mothers but sometimes you fall in love with someone. Generally step parents don’t even do most of the raising, I have step parents and they don’t do anything for me besides give me a birthday gift. There was no parenting from them because that was my parents job!
1st red flag an unemployed woman with 3 kids.
Living off child support and the government...
@@bonnevillebagger9147 at apparently this guy too
Im not gonna judge her situation because I know what having a special kid at home. Maybe if she works she’ll have to pay child care, probably she’ll break even or losing money.
I’d be more inclined to agree with you if one of her children wasn’t special needs. The real question is what happened to the original father?
it’s a heart condition, NOT a mental disability.
Why doesn’t the child’s father cover the insurance? Step-dad shouldn’t have to.
She might be widowed 🤷♀️
@@rrrrrfffff clearly said she's divorced and receiving child support. Did you even watch the video ?
@@jojachow ... Providing a time stamp would be more helpful than implying I didn't watch the video. Obviously I did and just missed that part.
Either way, if the mother and father aren't married, I don't *believe* the one that doesn't have custody has to provide insurance, just child support.
@@rrrrrfffff he said that she gets child support.
When he insures the Mom, kids are free (Family plan vs. single)
Man - Single man with no kids making $70k
Woman- Unemployed baby mama with 3 kids...... RUN!
I see no lies in this statement.
She's either on him or the rest of us, taxpayers. Her uncle Sam will sure get 💰 for her
Who says she is a "baby momma"? She might be widowed. Have some decency.
@@rrrrrfffff he would have said something if she was a widow.
@@rrrrrfffff he said she gets child support....that means he’s alive.
Humans love to create their own Drama, this is a recipe for disaster on so many levels...
I love the D.R. comment section. Seems to be filled with intellectually advanced people! Hats off to this comment!
Now wait a minute, this family makes $70k a year. Do you want to know where that puts them? In the top 8% of income earners of the country. This new couple is a top 8 percenter couple, they will be out of debt and be on their way to becoming millionaires in no time.
@@costco_pizza no family makes anything. This man wins the bread and this woman leeches off him and the government.
Is she the hot girl from HS that never gave him any play and now that the years have passed she has “discovered” he was always a great guy?
Yup
The beta simp. Betas, the janitors, sweep up clean up and sanitize the mess.
Total simp
Yeah now that she's 200 pounds
@@FatMenace not to mention probably ran through like a soccer field.
This woman is either extremely beautiful or this dude is desperate and his options are very limited. Or maybe it's both. Who knows? This just doesnt seem like a good situation to get himself into marriage wise.
Or he loves her?
@@ForeverknightGaming He's got his love blinders on
@@ForeverknightGaming that's pretty niave if you ask me.
He’s probably in love with her. That said, this is looking abysmal for him for sure, possibly for the future wife as well depending on the medical costs. They are going to need serious help to pull this off.
No hes in lust with her
If this man could afford the expected costs he wouldn’t be as scared as he appears in the call honestly them marrying is pointless as will be a increase in financial expenses both compared to both of there current situation as well as make him ridiculously financially vulnerable.
$70,000 is not enough for this in USA the man must have done the maths and doesn’t feel like he can afford to marry her tbh.
I hope this man sees your comment!! 🙏🏾
I agree. There is no reason for him to get married to her and create this additional exposure to a massive medical bill
If his insurance covers the family, there's no reason he can't support a family on $70k..
@@BlakeBake 70k to support a family of 5?...doesn't seem like decent living to me.
They are in Indiana not California or NY, 70k goes a long way there.
This, ladies and gentlemen, is why intergenerational poverty exists.
Mom needs to qualify for welfare and so doesn’t marry Dad or Stepdad, her sons grow up with no male role models and her daughters grow up with Mom doing the wrong thing, and they become useless bums as a result.
Its so sad 😰
And it affects up to 75% of black mothers. I hate to see it.
yeah, nothing like complaining about millions in medical bills paid by the US taxpayer and not getting a job so she never has to pay for the kids she has.
@@Sizukun1 I'm tired of paying for other's problems.
@@jimroscovius you and me both! I would like to keep more of the money I make, rather than pay for other people's poor life choices.
Not like she has time to work with 3 kids
Man yes avoid marriage at all costs. Especially this disaster.
Not in this case since she'll probably use him for the financial security. Money & peace of mind > romance
@Chris P
Must have been pretty butterflies and colorful unicorns all around you when typing that.
70000 is not enough to take care of a family of 5 period..... then to add a heart condition on top!!!! smh don’t do it
He would be working 2 jobs within 6 months is my guess.
What? I thought I was doing it every day. Good thing for my family no told me it was impossible.
He’s already doing it.
So many people are "offended" by me saying that 70k isn't enough for a family of five.... It's NOT! Even if you live in a lower cost of living state. I'm speaking strictly to the U.S. way of life of course. Nobody wants to live a life of "just getting by."
First sucker of 2021 getting ready to make the biggest and most costly mistake of his life. If only he knew what awaits him once he signs that marriage license LOL...May God have mercy on his soul if he actually marries her.
Love really is blind because he's walking into a big mess. If he ever needs to get out, now is the time.
Don't do it!!! Keep things the way it is!
Dang right. Marrying an unemployed woman with a special needs kid. Are there no other women to choose from? Men are so desperate nowadays. Jesus christ man for real.
@@mikepawlikguitar 3 kids no thanks
@@iLLWiLLx21 Yep. The only reason to marry someone with kids is if you're a desperate loser, or have kids of your own. But that's not even the biggest concern - the biggest concern is the unemployment. Working so hard for your money to just, what, support someone else? The lengths humans will go to to feel loved and accepted is just beyond me.
Nah, he should get married and get the woman and her 3 kids off my dime
@@mikepawlikguitar "working so hard for your money just to, what, support someone else?" He wouldn't just be supporting someone else, he would be supporting his wife; and if he were to adopt those kids, his kids. Depending on his religious beliefs, those are extentions of himself, not just other people. But if he doesn't want to do that, then they shouldn't get married (and probably should break up all together imo)
Now I ain't saying she a gold digger, but she ain't messing with no broke truck-er
🤣😂🤔👌
😂😂
The thing I don’t understand is why he would want to marry a woman who hasn’t had a job in over 5 years and is just living off hardworking taxpayers. 😤
Generational poverty happens because people have the mindset of dependency. The welfare system has destroyed the African American family unit which led to the generational povertization of a group of people. If you want your financial freedom, stay away from government aid and make good life decisions. Yes, get married before you have children - children born out of wedlock not only have a higher probability of living in poverty, but they also have life insecurities/issues that will haunt them for the rest of their lives. Live intentionally.
Yep, the welfare system has more impact on blacks of today than slavery does. But we blacks have married the Democrats and are dependent on the government.
Agreed but what does that have to do with this video?
No that woman (or they all as future family) cannot get ahead because the insane health "care" system in the U.S. costs DOUBLE of what it should cost (compared to the other RICH nations). - I currently live in Europe. It would not matter if the boy has a heart problem that could mean very expensive treatments in the future (poor little fella) or the whole family is healthy and never needs the doctor. The man obviously would marry her and be willing to be a good stepdad BUT for the insane costs and risks related to the a child being unfortunate.
And what kind of arrangement is that where she and the kids are worse off after a responsible man marries the mother ?? The very poor gets some help (Medicaid is being hollowed out financially anyway) but if you are lower middle class (5 persons 70k is not _that_ much).
In that case they know they are in for high costs, and who knows what surgery might be necessary in the future.
In Europe the most common form to organize public non-profit unversal healthcare coverage is as follows:
There will not be high bills for the treatment of a child. EVER. They will be covered no matter the insurance status of the parents.
any employed person pays a modest payroll tax, employer must match that (or pays more), and if the person with coverage has dependants they are automatically insured with them. If both parents have insurance to cover the kids, one of them does.
Similar arrangements for farmers, self employed, etc. (only there are estimates about their income and they can usually pay a low minimum but have to pay more after their yearly income is clear).
It does not matter which parents names the kids as "insured with me" to their employer (that is done once, when starting out in a new job, and takes 5 minutes): the populationa is not divided up in "pools" by for-profit actors. Those pools do nothing for better or more cost efficient healthcare, only the profiteers need them.
Those who have an income (employees typically in the range of 500 USD per month or more ) must pay the payroll tax - and have the right to full covereage in exchange for that. Typically there are minijobs (under USD 500 per month) that have very little deductions (no income tax, and also no payroll tax for health coverage, or for retirement).
Dependents means stay at home spouse, stay at home parent or all minors and some adult children. always covered till age 18 or young adults at university / full time professional training get the coverage for free till age 26. After that they get it too, but have to pay a monthly fee. Nothing dramatic compared to the U.S. of course. Could be in the range of 60 - 100 USD. If they can hold a 500 USD job per month than they have it from the job. If a person could have coverage by a family member but they work even a small job - they do owe the payroll tax over 500 USD. That is the solidarity principle. Those that have an income are mandated to pay. But it is modest, so no resistance by the voters.
health care risks / age / gender / family status do not matter. the insurance (payroll tax) for families with a few sick members, does not cost more than the coverage for one healthy single person. Only the income determines the costs (up to the yearly maximum of approx. 2000 USD per person. If a person works several jobs and exceeds that limit they can ask for a return).
To self insure would cost a person 120 per months upwards (but I cannot see it being higher than 200 USD - the need for self insurance is rare). And it also does not matter whether the person is sick. Family does not come into play. A person that has children - even if they are adults now - will always be covered by one of the other provisions (that cost less than "self insurance" or they are for free. For instance people on unemployment benefits, or disability pension).
it is seen as a service to raise children and it is rewarded with those generous provisions. also a nod to the traditional family model where the women stayed at home and found it later difficult to get a job (or would have to finance a second car in rural areas and it is not worth the costs).
A couple where the wife stayed at home, kids are out of the house now - for the service of having raised children his coverage still covers his wife (for life) without extra costs. (As a widow she would also get coverage, and all retired persons have it).
If she stayed home but they never had kids (a very traditional family model or they are very wealthy AND she married right after highschool or university) then they have to pay something (3.4 % of his wage also with a yearly limit. I guess it could go up to 200 USD per month extra, if he has a very good income. If they wanted to avoid those costs the wife would need to get a side hustle that pays at least 500 USD per month.
Insurance is typcially based on having a job (so it is often technically possible to not have insurance, but that almost never happens). Plus there are a lot of extra provisions for people with no income.
for people who do not work (disabled, students, retired, unemployed).
But even a 500 USD per month wage means the mandate to pay into the public non profit system (3,8 % that would be around 19 USD per month, and another 19 from the employer). The mandate also constitutes a RIGHT. To full comprehensive coverage (for the employed and all dependents).
That achieves the universal coverage, which makes things also easy and COST EFFICIENT for doctors and hospitals. the bills go to the public non-profit insurance agency and they pay on time. Doctors do not consult the agency whether or not they can use certain drugs or treatments. The agency gives a framework, and the doctors decise what is used for an individual.
It also means no one has to check whether this or that treatment is covered or not nor to doctors have to be careful to bill the patient what they do not get from the public insurer. There are modest co-pays for drugs (but also bulk prescription if a person needs a lot of packages of the same drug per month. Plus low income people pay no co-pay, the show their card to the pharmcist and get the prescription drug for free).
Either the whole nation gets it (if a doctor says it is needed) or no one. That means new treatments will be greenlighted, there would be considerable political pressure if the agency for some reason would drag their feet while the doctors want to use new drugs and treatments for their patients. But that is a theoretical scenario it does not happen.
@@chiefs816kc Well one was physically imprisonment and the other is mental imprisonment. Welfare is slavery, just a different type, but in this case you can break free.
I am going to assume your black. 80% of black kids are born out wedlock. Sad 😢. When I get married going to kenya 🇰🇪 or Ethiopia 🇪🇹. Avoid American 🇺🇸 women.
I can't imagine any situation in which I'd marry a single mother with 3 kids (regardless of special needs).
The hit to his quality of life is going to be so dramatic he's basic consigning himself to poverty.
Frankly, he sounds like he's waking up to this reality and is looking for someone to walk him back from the ledge.
I'm yet to figure out what makes a man want to take care of another man's offspring. It makes absolutely no sense. This dude is engaged to a woman with not one but three kids, oh and one is disabled. What a mess. DONT get married!!
The simp bug
Not to mention, those kids will always come first... Before him. I'd never accept that.
It's great that someone is willing to raise fatherless children as their own. Very magnanimous.
His health insurance is going to be through the roof.
Obamacare madates can't charge premiums for pre-existing conditions. Unless someone's a smoker, then their premium will cost the same as if the kid is healthy.
@@CJ2345ish He's going from a single person to a family of 5 - his monthly cost will increase - a lot!
@@Tannedsilk that's what happens when you have kids. All families with more than 1 kid deal with that. Additional kids past 2 though usually don't cost anymore when it comes to insurance.
1k for a family of five
@@mayataylor5743
That is just the beginning.
He should marry her.
She costs too much to the rest of us.
That’s one thing I admire about Dave. He is against waste or fraud
💯💯💯😂😂😂
This guy needs to talk to both the benefits manager in Hr and the direct medical vendor to discuss the specific conditions and what the cost will look like for him. They will walk through the details. This really wasn’t an “Ask Dave” question. He needs to figure out the potential coverage and changes to his costs with adding his new family to his medical. He should also find out about other benefits coverages as well that can help. (EAP, health savings account, etc). He needs to reassess everything and what will change with the marriage. Congrats to him and good luck. Hope he sees this comment. ☺️
70k, three kids, one with a heart condition? Is that enough money?
Doesn’t seem like it honestly dont know why he is bothering stay partners and just leave them on governmental healthcare have her get a job and save together when kids are adults then marry and join. Man seems pathetic and weak he better look up and plan this out before he says yes.
Sean , no. No it is not.
Hey Sean, you forgot to add the woman as an extra kid. She doesn't have a job either and is just looking for a meal ticket.
Its a minimum of 300k a year to manager a family
It will cost $50 million
“Married people make more than shacked up people.”
Not when one of the shacked up people is getting $3k a month of welfare on top of the household income.
Dave's eagerness to lead beta's into landmine's is disgusting.
@@chartuckNo. Dave doesn’t like government spending and waste. And people abusing the system.
The fact that he's asking this question shows how much he cares.
It shows that his warning system is going nuts because of red flags but his simp mindset is fighting it
He is making a huge mistake if he marries her.
Why do you say that?
He's taking on 4 leaches good buy money and freedom. She was married before and no longer huge clue there
He needs not to get married
Stay with her if he loves her
She has free insurance and cash coming in
@@LoganMaddoxfilms he has been living with this woman for 5 years now. The only difference is that if he marries her now all of a sudden he actually has skin in the game. All of her debts become his. Government is not going to bail him out. Which is why he is calling in about the health insurance. 70K is a modest salary but you are talking about supporting a family of 5. He doesn't mention where he lives exactly but if he is living in a big city thats really not all that much.
R. Rodriguez because she’s a single mom. The fact she’s on welfare is a huge red flag. She is with him for the resources plain and simple.
Anyone else thinks he's the one getting stroked here??
I see what you did there.
I am kinda shocked that someone making 70k is dating a unemployed person. With child support and ssi, maybe the child is severely disabled but he would get more benefits ans possibly a waiver
solution: just dont get married LOL
He sounds desperate and needs female attention, be it a woman with 3 kids .. NO income.. and marriage is his only hope to getting it in.
@@koreanplayboy Woman with 3 kids & he THINKS he'll get some of her attention?!?!? 🙄🤣
Blas...... Bro if I were you.... I’d Keep on Truckin’ Literally and figuratively Speaking! 🤷♂️
Dude...don’t do it. I know so many guys that get hooked in to relationship with a single mom with no job and no future. You spend your whole life raising someone else’s kids and then she bails.
Worked with a guy that married a girl like this. She immediately quit her job, forced him into a place that he didn’t feel they could afford. She dumped him to party when the kids turn 18.
Stay away from single moms in general unless the kids are grown and moved out is a good rule. I know that won't be a popular comment, but it is the truth.
Same for single dads then yea?
@@rory644 Yah, single dads also tend to be a nightmare, especially if they don't make a lot of $$$. They will be supporting 2 different households now
@@paraguayaenalaska730 It's not hatred towards a gender, it's reality. Sure single dads could be a difficult situation if they have the kids full or most of the time. However this isn't nearly as common. Virtually all men's channels out there put an emphasis on staying away from single mothers and there is a reason for that. Yes, there are of course exceptions as there are with everything. However for a young man just starting out, it is a very good idea to follow this rule.
@@whitneyw.7919 hahaha love this. On point! Single dad's are a mess also.
@@Ryan_DeWitt it's not about who gets the kids. Most single dads, specially divorced ones are broke because their ex take everything from them. That's stupid for a single woman to deal with.
There’s no such thing as a medical condition “covered in full.” They are going to have to pay their full deductible and then specialists (which sounds like they would be needed) are usually covered anywhere from 50%-80% depending on the plan, possibly covered in full after the deductible is paid. Then there’s drug coverage which brings in its own costs. And all that is after your biweekly premium of anywhere from $200 or more. We truly have a broken healthcare system and ~that’s~ what encourages people not to get married.
This will cost over $500 Million
$3k/mo, Family plan, No Deductible, no co-insurance, no max, No ....
A Olvaar wow that’s crazy... that’s half his salary... so he definitely shouldn’t get married....
There’s a father in the picture. I don’t see how they can’t work together to get the care the child needs and get off the government teat.
Don’t do it! Keep it moving brother, you make good money and you shouldn’t have to carry a burden on your shoulders.
I will never be able to look after a special need child, it's difficult, challenging and emotionally taxing. People are too quick to judge the caller's partner when we only hear his own side of the story. She was divorced, meaning she was in a proper relationship, the two decided to have kids and 3x kids were produced. Isn't that why majority of people go into relationships? to start a family? so why is she being burned at the stake for trying to get as much help as she can when society tells her to settle down and start a family like everyone else? If the caller decides to marry her, he knows full well what situation he's going to be in, she's not fooling him into marrying her.
The easy way to see it, if HE can't help provide for everyone, then stay as is, don't marry, and she can continue to live off benefits to support her child. If he wants to provide and the means to do it, then marry her. He's doing a great job in supporting her and the kids. Whatever he chooses, I hope the kids can grow up and achieve great things.
I think we need to be more mindful and understanding that we are in a lucky position than others, to be able to have the knowledge , find resources to make more sound financial decisions. There are many people out there who don't see anything different than to what they've grown up with, lack of resource or never been exposed to another way or direction. It's difficult to break that cycle, especially a poverty cycle.
People only talk about money, but money without humility and kindness is nothing. Money will never bring you joy no matter how much.
No... RUN!
If you dont have kids there is zero reason to marry a person with kids
He is probably in his late 30s/40
Not logic in it. If you have kids and marry to someone with kids that equal to lots of kids. But, if you don't have kids and marry to someone with kids it means less kids than the previois situation. Lol
I have a co worker who refuses to marry her baby daddy (of 10 years 2 kids) because she'll lose Medicaid and WIC benefits. She makes more than I do and her baby daddy also works. I am married with 2 kids and one on the way and my wife stays at home. It drives me crazy that government "assistance" can be manipulated and discourage people from marriage
@@dijonasemulligan6509 I don't qualify because I'm not considered a single mom
@@dijonasemulligan6509 the point is that I don't need it. I just live below my means. And not getting married as an incentive to get government aid is wrong
@@dijonasemulligan6509 if she gets married to the baby daddy she lives with then she'd no longer qualify for government aid. That's the reason she's not getting married. They live like they're married buy reap the benefits (that I pay for with tax money) of a single parent. I think there's a moral obligation to get off government aid if you do not need it
RUN! Single mom with 3 kids and no job!!
Dave is behind the times on what today's lousy insurance can look like, and how the next party in power can make things even worse.
This guy is about to make his life miserable. Wake up man run from this woman.
He needs to speak to his employer not DAVE .
He needs spiritual enlightenment and psychotherapy.
@@mikepawlikguitar well In That case I guess he came to the right place !! Lol
@@moniquesinned4210 Dave literally told him to go talk to his employer
@@moniquesinned4210 I wouldn't call Dave spiritually enlightened.
He told him at 2:50. It was too funny.
Find a woman that is a productive member of society.
Simpin' ain't easy
🤣🤣🤣🤣
Lol
"Should I avoid getting married because....". Yes. Yes, you should always avoid getting married because.
This isn't even a gender thing, marrying someone who is unemployed with kids is a bad idea for anyone.
I totally agree, why is she not working.
The 80/20 is called the co-insurance and not the copay. This applies after you have met your individual but could trigger if the family deductible is met first.
Wow, taking on three kids with her not working. They won't listen to Dave. They won't give up all the free money.
He may get fired for a minor fender bender once his company finds out they have to shell out 800k for a surgery.
This will cost $250 Million
No amount of insurance out there that will cover the financial extent of special needs of a child.
It will cost $500 Million
So continue to play the system?
The government encourages people out of marriage with handouts. It’s a huge reason why the divorce rates are so high
I'm a women don't get married.
He’s about to marry a financial liability.
I agree with this.
Why are multiple women sharing one UA-cam account?
no one should ever get married to begin with but certainly not when she's losing money and he's going to have to pick up the slack.
Meh... Get married with Pre-nups & agree to NO kids for 10 years.
Then, renegotiate "Kids"....
The issue is the law is set up to incentivize them not to be responsible for their own needs. J
He just doesn’t want to pay medical expenses for her kid. She needs to get a job and he needs to man up or break up
Maybe the kids dad should man up?
If you can't feed them, don't breed them!
Bad advice from Dave and John knows it. Dave is excellent at finances, but bad at relationships in 2020 (but hes a relationship guru in 1950).
People stayed married in the 1950s
Bad for selfish people. Nowadays people want the benefits of love without any of the work, it's why most marriages end in divorce now. They can be fine if they both put in the work, if $70,000 is not enough she will have to work as well and if she is a good wife she will realize and do that.
This not just terrible advice, its a horrible life destroying mistake. Run away dude, run away far.
He would do better being single altogether than marrying this heap of debt and nightmares. Things will get worse for him if he does marry her.
If he’s willing to make the sacrifice and cover the cost, then that will be his battle to fight.
@@bres9977 Either way, he has an uphill battle and will be miserable if he marries her. She needs to go after the men she made the kids with and marry one of them.
@@texan903 It will be a struggle however suggesting she be with one of her children’s father isn’t realistic being they aren’t together for a reason.
@@bres9977 She made a mess of her life with another man, they need to work things out together instead of ruining someone else's life with their irresponsibility.
@@texan903 We don’t know the details of her relationship with her children’s father. He could have been abusive. He could have been an alcoholic or drug user. These could have been issues which happened, or got worse, after they married. She could have learned from her mistakes as well. If men can make life-altering mistakes yet move on to marry women, then women should be given the same grace.
Ramsey is putting in his personal views in his response. That man can’t handle a family of five (including a sick child) on 70k. He should have told him to try and increase his income Before getting married.
They’re acting married and playing the system. That’s why Dave said to get married.
Unless you like people who play the system.
Dave Ramsey gave good advice. The caller should call in medical provider. Hopefully, his medical plan covers the preexisting condition. I really hope the best for this caller and their family.
Next year his company might get another contract and change the policy for ALL employees. Could be that family members are not included anymore. Or he gets fired. Or the company is sold.
@@xyzsame4081 That's always a risk sadly :/. Hopefully they can find other options if that happens
Better option: don’t be a simp, don’t marry single or divorced moms, don’t raise another man’s child. Know your value as a man and be the prize instead of thinking women are the prize.
The brutal truth, $70K income with 5 mouths to feed is going to be tough.
My brother married a gal with three kids and made about the same income. There was no way he would be able to buy his own house so my parents "gave" him the house.
I know a couple who has 13 kids :/
@@juliettezea9507 not close but my brother then had three more boys with his wife for a total of six.
Don’t have kids you can’t afford
Rule #1
It's not even his kids he's marrying a single mother of 3
That doesn’t apply to woman
@@mayataylor5743
Apparently not.
Maybe she was married previously and she had good financial support. This 9 min doesn't represent the whole situation
@@Sharon-dd7hl
Don’t have kids you can’t afford. I don’t want to hear excuses
If you are asking this que, then avoid it
This guy needs to watch some red pill videos on youtube before signing a marriage contract.
Dave is not the person for this question. But I do know that if the child does not qualify for free medicaid, he will qualify for a pay medicaid by the state. For ex. Here in Fl we have HealtyKids. The amount depends on the income. The lowest will be $25/ month per child and I believe it can go up to $175 or so. (This is in Fl). But Im pretty sure every state has it because a child can not go without insurance. For once my kids did not qualify for Medicaid, they automatically got accepted for healthy-kids which I did not have to apply for it. He will also need to see how much his job insurance will be. She can also get Obamacare but she will have to do their taxes married filling separate so his income is not counted against her payment.
How long have you two known each other? You're taking on a lot of responsibilities whether financially or being a step-parent. Highly recommend a pre-marriage counselor to go over everything before you two tie the knot. Good luck man! Wishing you the best.
Idk what this mans gonna do but I’m running for the mountains
No, it won’t be covered in full. Twenty percent of a million is 200K, and please keep in mind, the stop loss is per year. If the child needs a different surgery next year, be prepared to pay another 20%. Your insurance premium is going to increase significantly as well. From a couple hundred/month to 1K/month or more. You really need to think about this. You’re signing up for a huge financial responsibility. If you do marry her, she needs to get a job. Otherwise, you could be drowning in medical debt within a year.
Marrying a woman with three kids, one with special needs. That's DISASTER waiting to happen. And, I hope, the dad is the same for all three. Some people love misery.
This caller is not the sharpest knife in the drawer. He needs to grow a brain before making decisions on who to marry. It's his life though.
Dave is completely delusional if he thinks that insurance premium will be doable for this guy. The fact that he thinks adding FOUR people to his plan will only increase the premium $300 demonstrates how out of touch he is.
If he gets it through his employer its pretty realistic. I could add a spouse and family for less than that for my work plan
Unless she is a widow and the man was her husband who died.... just no....
Dave was like : GET MARRIED you can handle copay 20% of a million
Lol Dave just wants her to get off the welfare and Medicaid because Dave’s taxes are paying for it!
Exactly. I’m glad someone else noticed that.
Yeah, Dave acts like spending 15-20% of gross pay on medical expenses is a walk in the park. This guy can go bankrupt from this child's medical expenses.
Totally Agree, he definitely gave him awful advice, they might as well be common law marriage.
But a man need not be savior to a single mom of 3. 70k isn't enough
Keep it as-is. Insurance these days (even company-provided plans) are hot garbage. BEST CASE scenario you'll be on the hook for tens of thousands for any surgery. Yes, you'll miss out any any tax benefit of marriage, but the risk is CRAZY high to bankrupt you. I'd revisit marriage once the child turns 18. You are planning to spend your life with her and her 3 children that are not yours-- nothing evil in approaching it in a responsible way.
He still has to pay 20%.
It's easy - and sometimes helpful - to comment coldly on the financials of another person's situation. Sometimes people fall in love, with the other person's children too, and want to be together as a family. I was broke when I met my guy, now I'm earning more than him. I'm glad he didn't write me off because I didn't have a spare penny, and so is he! The medical bills you guys face in the US is nothing short of extortion. That is the crux of this problem.
80/20 is not "copay" it's "coinsurance". Copay is a fixed number that you pay no matter how much the doctor bills.
For example, I go to the hospital, my ER copay is $125 a day. The doctor can bill $1000 or $20000, it doesnt matter. Whereas someone else can have 20% coinsurance. That means they have to pay $400 if the doctor bills $2000 worth of tests or $1000 if the doctor bills $5000 worth of tests.
I feel bad for this guy 😢
Because Dave’s cape looks better than his?
Yeah Dave gave him awful advice
I have a son with special needs and over 50k worth of annual expenses. I've lost a job a few times since he's been born and had to get Medicaid temporarily. It covered his medical, but he's goes to therapy and the wait list for therapy is like 12-36 months. So his therapy stopped twice for 6 months in between jobs and insurance coverages. Once I got coverage, got back off Medicaid and put him back in therapy. Cost a pretty penny but it's been well worth it.
Marriage - Is when your ready for the government to be apart of your relationship.
Run man RUN!!!
I've got to disagree with Dave on this one.
They should continue to play house. Medical Debt is a leading cause of bankruptcy. Why risk it?
I think Dave got his three important terms in insurance mixed up. What he was describing for copay as possibly an 80/20 payment as an example is actually coinsurance. A copay is a fixed amount for certain services. For example, a copay for a regular doctor visit might be $25.00.
That is not the correct copay definition. The 70/30 or 80/20 is called the coinsurance. Copay is a set amount you pay for rx, doctor visits, and other services.
Also didn’t mention Contractual write-offs insurance companies have with in-network providers so you are not actually paying 100% while meeting your deductible.
Run away from this woman as far as possible. Why are you taking on a possible divorced woman with three children?
I wasn’t expecting that million dollar question.
Love is blind, I think the lady is probably the person who doesn’t want to get married because of her kids.
He wants the woman but doesnt want to be responsible for "someone else's" kids. Lots of people feel like that. Best to be honest with yourself and act accordingly.
why the F would he want to do this..........
just b sure u wear a rubber and personally dispose of it......
DONT GET MARRIED
Buddy.
Your potential Suitor has three kids and doesn't have a job and is living off the government and child support.
Furthermore she wants to continue this lifestyle by not marrying you. And if she does for some reason the anticipation is that you are going to incur all of the cost of health care for the children and not the biological father.
You better make real sure that she's the one before you get yourself into this. I would steer clear personally.
Sucks so much that this is something that is considered in America :/
Medicare for all!!!! I love Dave when it comes to money & raising such beautiful successful children.
But HIS POLITICS SUCKS!!!!
Just because he puts her on his insurance does not mean everything will be covered. Daves religious bs keeps him from making rational decisions like not getting married. Or recommending to see an actual professional for counseling instead of going to a church which is like going to your uncle Bob for help.
Bro, don’t marry. Just help her what you can.
I’m tired of paying for other people’s poor choices.
He doesn't want to get saddled with that child's medical bills. Sad but I don't blame him for second guessing. At least he knows the sacrifices he'll need to make if he marries her.
He should also reconsider if she divorces him.
First time I’ve heard Dave acknowledge the value of the Affordable Care Act. Good on him.
Max out of pocket is $10-20K. You make $70k. Do you want to raise 3 kids on $50K? No. Dave is definitely wrong on this one. Since, Otherwise him and his gf live together on $70k plus
I don't know the full picture. Caller's life, not mine.
I've seen something possibly more financially troublesome than what this caller said: Guy marries woman with 3 children and adopts them (I think there were two different fathers). Three months later she files for divorce. No men were paying child support for the children because the mother didn't know (or wouldn't say) who the fathers are. The man she married and divorced was possibly going to have to pay child support for all three children he adopted.
I think this caller wants a family. He better not adopt and not marry in a State which orders lifetime alimony.
He’s heading into a world of trouble
I disagree!!!! Entirely. The situation works as it is, and that child's healthcare is covered with no questions or confusion. Why get married? What's the point? It's NOT immoral to expect the government to cover sky-high, life-saving procedures for a child in the face of price-gouging healthcare costs.
“Even if it cost you 300$ more per month”....oh Dave that’s adorable you ball-parked that amount on a multimillion dollar pre existing condition. This guy definitely shouldn’t have called a radio host.