Kate: It's not a dream, good morning to my catgirl waifu. Haha! Sorry, hard to say that with a straight face.
Phil: So, if it's not a dream, why am I– and where are we?
Kate: Should be obvious. You are in VR, and since you were asleep when we put you in, I got to pick your avatar for you!
Phil: But we don't have VR in the apartment.
Michelle: Early wedding gift! Kate convinced me to let you both use it early!
Phil: This will save a ton on the cost of the honeymoon.
Kate: No.