so, as thought, i got refused for financial reasons. so going to go live with my husband this summer so we can be together then apply premium at the office in UK when we have the sufficient financial evidence.
Sorry to hear about your refusal.
What visa will you be going to the UK with this summer? I am making a guess that you'll be coming over on a visitor visa. If so, unfortunately, you are not permitted to switch to a spouse visa while in the UK as a visitor. You could go visit your husband and get the evidence, but you'll have to return to the US to make a new application.
Also - now that you have a visa refusal, it is highly recommended to apply for a visitor visa in advance. It's not an absolute requirement, but it is definitely recommended to do so to alleviate potential problems at the border. You may be fine to go without getting one in advance, but just in case the IO becomes suspicious, you won't have wasted the money on the plane ticket if you have advance entry clearance. Unfortunately, from their point of view, you've already demonstrated you would like to live in the UK with your UKC spouse, and with a refused settlement visa to do so, they may be suspicious if you show up at the border saying you're just there to visit.
If you would like to, you can post a new thread with the exact wording of the refusal letter (personal details redacted) to see if anyone has any input. Depending on the exact reason of the refusal, you may be able to reapply straight away and be okay. For example, if the refusal was based on missing documents, you could apply again and ensure you include those documents.