Iggy Azalea -- Swaggy Wants a Low Budget Wedding ... 'He Doesn't Wanna Pay for S**t'

There are two sides to this clip ...

1) Lakers star Nick Young says he wants to be financially responsible and have a small wedding at a courthouse.

2) Iggy Azalea sees it another way -- "He doesn't wanna pay for sh*t."

It's a pretty funny video ... the couple was leaving BOA Steakhouse on Sunset when we asked how the wedding planning is coming along. They've clearly got some decisions to iron out.

BTW, according to The Knot (a huge wedding website) the average cost of a wedding in 2014 was $31,213.