November 23, 2025 at 9:22 pm

Woman Didn’t Trust Her Financially Illiterate Fiancé To Repay A $2,600 Loan, So When She Asked For A Contract, He Blew Up Over It

by Benjamin Cottrell

pen and paper signing a legal document

Pexels/Reddit

Financial trust is just as important as emotional trust in a relationship.

So when one woman’s fiancé asked to borrow thousands to settle an outstanding debt to the IRS, she realized love shouldn’t mean ignoring glaring red flags.

If she agreed, could she really trust him to repay the debt? Or would he disappoint her once again?

You’ll want to keep reading for this one.

Fiance asked for a loan; but I want an agreement notarized.

My fiancé (39M) asked me for a loan ($2.6k) to settle an IRS debt.

She feels confident about her financial standing, all thanks to her own responsible spending and saving.

I (38F) am currently not working, but I have a nice nest egg that I survive off of.

I pay all my bills (even while not working), and I don’t ask for help from anyone personally, nor do I live off the government.

Her fiancé, however, is quite the opposite.

He isn’t the best with money (he loves to shop!), and I don’t feel comfortable lending him money without having a written agreement for loan repayment signed by us both and notarized.

He didn’t react well to this at all.

When I presented this to him, he was offended.

AITAH for asking this?

Her fiancé hasn’t exactly made her feel confident that he’d be responsible with the money, even if she did loan it to him.

What did Reddit have to say?

Getting in trouble with the IRS isn’t something you want to mess around with.

Screenshot 2025 10 17 at 6.29.01 PM Woman Didn’t Trust Her Financially Illiterate Fiancé To Repay A $2,600 Loan, So When She Asked For A Contract, He Blew Up Over It

Maybe it’s time to rethink this entire marriage.

Screenshot 2025 10 17 at 6.29.40 PM Woman Didn’t Trust Her Financially Illiterate Fiancé To Repay A $2,600 Loan, So When She Asked For A Contract, He Blew Up Over It

 

Does she really want to marry a man who’s this bad with money?

Screenshot 2025 10 17 at 6.30.32 PM Woman Didn’t Trust Her Financially Illiterate Fiancé To Repay A $2,600 Loan, So When She Asked For A Contract, He Blew Up Over It

There’s nothing wrong with married couples keeping their finances separate.

Screenshot 2025 10 17 at 6.31.17 PM Woman Didn’t Trust Her Financially Illiterate Fiancé To Repay A $2,600 Loan, So When She Asked For A Contract, He Blew Up Over It

If her fiancé gets offended by accountability, maybe he’s not ready for partnership — or a loan.

Thought that was satisfying? Check out what this employee did when their manager refused to pay for their time while they were traveling for business.

Benjamin Cottrell | Assistant Editor, Internet Culture

Benjamin Cottrell is an Assistant Editor and contributing writer at TwistedSifter, specializing in internet culture, viral social dynamics, and the moral complexities of online communities. He brings a highly analytical, editorial voice to his reporting on workplace conflicts, malicious compliance, and interpersonal drama, with a specific focus on nuanced stories that lack an obvious villain.

As a published author of rhetorical criticism, Benjamin leverages his academic background in human communication to dissect and elevate viral social media threads. Instead of simply summarizing events, he provides readers with balanced, deep-dive commentary into why the internet reacts the way it does. In addition to his cultural reporting, he is an experienced fine art photography essayist and video game reviewer.

When he isn’t analyzing the latest viral debates, Benjamin is usually chipping away at his extensive video game backlog, hunting down the best new restaurants, or out exploring the city with a camera in hand.

Connect with Benjamin on Instagram and read more of his essays on Substack.