Should We Wait to Get Married So My Girlfriend Can Keep Her Benefits?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Business, Investing

4.6 • 3.6K Ratings

🗓️ 30 January 2026

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	This episode is brought to you by SmartVestor.
0:07.8	Connect with an investing pro near you at ramsysolutions.com slash smartvester.
0:13.7	Max is in San Antonio.
0:15.3	Hey, Max, what's up?
0:16.6	Hey, thanks for having me on, a long-time listener.
0:19.0	Thank you, sir.
0:19.5	How can we out?
0:20.4	Well, I'm 58 years old.
0:22.4	I've been divorced now for a little over five years, and I've been dating the lady who is 57,
0:28.5	and she is a surviving widow.
0:31.2	She will, if we get married before she is 60, she loses all of her, loses all of her surviving spouse Social Security benefits.
0:42.3	And he was a big contributor up until he was about 58 years old, so she would receive the max.
0:48.3	And I've heard your conversations today with people about getting married and how the chances are divorce
0:57.0	if you don't get buried within a certain point of time. We've been dating now for a little over two years.
1:03.0	And I was just wondering if it was worth it to get married now and forego that potential $4,000 a month for the rest of her life.
1:12.9	What's your household income?
1:14.7	What's your income?
1:15.6	I'm sorry.
1:16.5	My income is about $150,000 a year.
1:19.2	And what's her income?
1:21.0	Her income is just living off of what she got, and she's down to a little over $600,000.
1:27.0	Okay.
	...

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