"Near-Death Experience" joke

Heard on FM-99 WNOR in Hampton, VA on 5/21/91:
(DJ Henry "The Bull" Del Toro was imitating an old man talking about his
younger years...)
I had a near death experience. I was driving home one night with my
fourth wife and two couples we were friendly with. All of a sudden,
the car flips over and we're all standin' at the Pearly Gates. St. Peter
looks at one of the couples I was with and says to the man, "You're so
cheap, you married a woman named Penny. Go to Hell!" St. Peter then
looks at the next couple we were with and says to the man, "Why, you're
such a boozer, you married a woman named Brandy. Go to Hell!" So I
says to my wife, "Come on, Fanny, we're out of here!"