"Hi, it's me, Bianca. Look, I know you're probably confused right now. I can explain. Well, no, I can't really explain everything, not yet. There's just... there's stuff I've been dealing with. Stuff I didn't want to burden you with. I've been coming here for a few weeks now, meeting someone. His name is... well, it doesn't matter what his name is. He's been helping me with something. Something big. I didn't want you to find out this way, trust me. I kept telling myself I'd tell you when the time is right, but the time never felt right. I know how this looks, okay? I know what you're thinking. The sneaking around, the weird parking job, the lies about where I've been on Tuesday and Thursday evenings."

What you know/did and she doesn't:

-Took a loan of 80k$ (Marriage plans, rings, honeymoon, etc)

-Your Grandpa passed away. Inheritance: ~100k$. Still waiting for the paperwork to finish until you get it.