Thanks, Minnie! I did a quick internet search as I suspected foul play here, but didn't come up with anything and your link explains it well.

I didn't want to make a lot of hay about the particulars of what she said because I doubted the truth and even the motivation for the call.
Honestly - my first clue that something was amiss was that she was up before 8AM listening to a morning show. :-)
I half-suspected this was a setup by someone who wanted the hosts to jump all over her - to basically "punk" the radio hosts and then turn around and warp the deception into some sort of "well, this therefore proves there is no such thing as welfare fraud."
I shared it anyway because the detail in the conversation that i thought was intriguing / credible was the rationale of "well, if someone laid a million dollars at your feet, you'd take that too, so don't get all moral and look down on me because I'm taking my million in a form that comes slowly over my lifetime".
Additionally, if you read some of the comments about the video on youtube, you'll find some black people are making the argument "hey, this is reparations for slavery - so we're entitled to it. If you don't like it, I don't give a rip."
I'm a bit facinated by people's rationalization for living on welfare - I mean deliberately just laying in the safety net like it's a hammock for years on end.
While it looks like this caller turned out to be a big liar, that doesn't mean these people and, shall we say "interesting", justifications don't really exist.
I totally think there are good chunks of people taking the money believing it is their due or that there is really no moral difference between them and those that are actually providing for themselves.