When Julianne answers her husband’s phone, the furious voice on the other end reveals a devastating secret: her husband has been living a double life. Now, she’ll have to act fast to protect herself and her son from the fallout of her husband’s deceit.
If you’d asked me that morning if I was happy, I would’ve said yes. Maybe not convincingly, but I would’ve said it. That was before the call.
A silhouette of a woman | Source: Midjourney
I spent my days juggling the roles of wife, mother, and school volunteer. My husband, Raymond, was the breadwinner, a mid-level manager who came home late too often these days, citing work stress.
My eight-year-old son, Ethan, was my anchor, and the reason I kept pushing through even when Raymond’s distant eyes gnawed at me.
But I didn’t have time to dwell. Life kept moving, and I was good at keeping up.
Close up of a woman’s face | Source: Midjourney
I’d already seen Ethan off to school on the bus and was leaning in to kiss Ray goodbye when he whirled away from me and grabbed his briefcase.
“I’ve got to rush. Today’s going to be crazy and Mr. Richards must be waiting for me already,” he muttered as he rushed out the door.
I didn’t even notice he’d left his phone on the kitchen table. When it started ringing a few minutes after he left, I answered automatically, thinking it was mine.
A cell phone | Source: Midjourney
“Raymond,” snapped a woman’s voice, sharp and angry. “I warned you! If you don’t get rid of her, I’ll tell everyone I’m pregnant with your child.”
My throat closed up. I knew that voice… it was Vera, my sister!
“I’m done waiting, Ray. This is your last warning. Tell her today, or else!”
Before I could scream or demand answers, the line went dead.
A woman holding a cell phone | Source: Midjourney
I stood there, frozen, the phone clutched so tightly in my hand that my knuckles turned white. Vera had always been the storm to my calm. Beautiful, reckless, and magnetic, she flitted through life, bringing chaos and charm in equal measure.
And now she was pregnant with my husband’s child. They’d been cheating on me… for how long?
A strange, detached instinct kicked in, like my body was operating on autopilot. My thumb hovered over the screen before I unlocked Raymond’s phone, the password I’d seen him type a thousand times burning in my mind.
A woman standing in a kitchen | Source: Midjourney
My fingers trembled as I scrolled through the messages. And there were dozens of texts, a thread of secrets I was never supposed to uncover.
Vera’s words were insistent, pleading: When are you going to tell her? I can’t keep doing this, Ray. She’s clueless.
Then Raymond’s careful, measured replies: I just need more time. I want to do this right. We can’t risk her finding out — it’ll ruin everything.
The bile rose in my throat as I pieced it together. They had a plan, and it was cold, and calculated.
A heartbroken woman | Source: Midjourney
They’d leave their marriages in such a way that nobody would suspect their affair. Vera was ready to leave Jack, and Raymond had been weighing how to drop me quietly and cleanly, ensuring his finances remained untouched.
She won’t get a penny, one of his messages read. I’ll make sure of it.
My knees buckled, and I slid to the kitchen floor.
A woman sitting on a floor | Source: Midjourney
The phone slipped from my grasp and clattered onto the tiles, but I didn’t care. I sat there, shaking, the weight of betrayal pressing down on me like a suffocating blanket.
Vera’s voice replayed in my head, layered over Raymond’s careful lies. The two people I trusted most in the world had conspired against me, trading whispers behind my back while I set the table for family dinners and kissed Raymond goodnight.
The betrayal didn’t just sting; it consumed me, a fiery, unrelenting ache that made my vision blur.
An emotional woman | Source: Midjourney
I pressed my hands to my face, trying to block it all out. But it was burned into my mind now. My husband and my sister were plotting my destruction.
For the first time in my life, I felt entirely untethered. But I wasn’t going to let them destroy my life. And I wouldn’t let Ethan suffer for their selfishness.
Anger fueled me, sharpening my focus as I grabbed my keys and headed straight for Vera’s husband’s office.
An office building | Source: Pexels
Jack was the kind of man who could turn chaos into order. He was everything Vera wasn’t: level-headed, meticulous, and about as far from impulsive as a person could get. If anyone could help me, it was Jack.
The office building was quiet. Jack’s secretary wasn’t even there yet; her desk sat empty as I marched past it, my sneakers squeaking against the polished floors.
My heart pounded in my chest as I reached his door and knocked harder than I intended.
A door | Source: Pexels
“Come in,” Jack called, his deep, calm voice carrying through the door.
I stepped inside, and he looked up from his desk, his brow knitting in confusion when he saw me.
“Julianne?” He stood, concern flashing in his sharp, gray eyes. “What’s wrong? Did something happen?”
I didn’t bother with pleasantries. My hands trembled as I crossed the room and set Raymond’s phone on his desk.
A cell phone on a desk | Source: Pexels
“I have something important to tell you, Jack. It’s about Vera and…” I faltered, my voice catching. “You’ll need to see it for yourself.”
He gestured for me to sit, but I stayed standing. His gaze didn’t leave me as he picked up the phone and scrolled through the messages. With each swipe, his face darkened. His jaw tightened, and his grip on the phone grew rigid.
“Goddammit, Vera,” he muttered under his breath, his calm veneer cracking.
A stressed man | Source: Midjourney
He set the phone down with more force than necessary and pinched the bridge of his nose, exhaling slowly. I thought he might explode, but instead, he grabbed a notepad from his desk and flipped it open. His movements were precise and deliberate.
“We need a plan,” he said, his tone clipped and businesslike.
I blinked at him, startled by his composure. “You’re not… shocked? Hurt?”
“No, I’m furious,” he said, meeting my eyes.
A furious man | Source: Midjourney
His voice was calm, but there was a dangerous edge beneath it. “Vera’s always been mercurial, but this time she’s gone too far.”
He tapped his pen against the notepad, his jaw set. “I’m filing for divorce. And I’m going to help you do the same. With evidence like this, they don’t stand a chance.”
I sank into the chair across from him, my earlier fury replaced by something steadier.
“Jack,” I said, my voice soft. “Thank you.”
A grateful woman | Source: Midjourney
His lips pressed into a thin line as he began scribbling notes. “Don’t thank me yet. This is going to be messy. But they’ve left us no choice. We’ll have to move fast, even if it means I have to pull some strings. This is what we’re going to do…”
Jack continued taking notes as he outlined his plan. My resolve solidified as I took it all in. I was a little awed by how quickly he calculated each step, but mostly, I was relieved.
I wasn’t alone in this fight. Jack and I would make sure Vera and Raymond paid for their betrayal, and that neither of us would be left picking up the pieces alone.
A lawyer in his office | Source: Midjourney
That evening, Vera and Jack joined Raymond and me for dinner. I’d texted Vera the invite the minute I got home. I’d then called Ray’s office to tell him he’d left his phone at home.
“Oh my God,” he muttered, a hint of panic in his voice. “Just… switch it off and put it in my nightstand drawer, okay?”
“Sure, honey,” I replied. “By the way, Jack and Vera will be joining us for dinner tonight. Could you pick up a bottle of wine on the way home?”
A woman speaking on her cell phone | Source: Midjourney
Next, I arranged for Ethan to sleep over at a friend’s house. By the time we sat down to dinner that evening, all the pieces of Jack’s plan were in place.
I poured a large glass of wine and set it down in front of Vera.
“Oh, no wine for me, Jules.” She pointedly stared at Raymond. “I’ve been feeling a little under the weather lately.”
“I guess that makes sense,” I replied. “The first trimester is rough and pregnant women aren’t supposed to drink, are they?”
Wine glasses on a table | Source: Pexels
Vera’s fork clattered against her plate, and Raymond’s hand tightened on the edge of the table.
“Oh, don’t act surprised,” I said. “I know about the affair, the baby, and your little plans to leave me with nothing.”
Jack, who had been waiting for his cue, produced two folders and rose from his seat.
“These are your divorce papers,” he said, slapping one folder down in front of Vera before placing the other in front of Ray. “And these are yours.”
Divorce papers | Source: Pexels
Raymond turned to me, panic flooding his eyes. “Julianne, please…”
“You don’t get to talk!” I snapped, my voice trembling with rage. “You’ve destroyed everything, and for what? Her?”
Raymond looked at Vera, who was openly crying now, then back at me. He didn’t answer. He just stared at the table, defeated.
An emotional man | Source: Midjourney
In the weeks that followed, Jack and I worked like a team. He was relentless in court, helping me secure a settlement that ensured Ethan and I would be fine.
Raymond lost his assets, his reputation, and whatever shred of decency he thought he had left. Jack filed for full custody of his children, and Vera was left scrambling.
The scandal tore through our small town. Everyone knew what had happened, and neither Raymond nor Vera could walk into the grocery store without whispers trailing them.
People in a grocery store | Source: Pexels
One evening, as I watched Ethan play in the yard, I felt a strange sense of peace. My life wasn’t what I thought it was. It was messy, complicated, and painful. But it was mine, and I was free to shape it into something new.
Here’s another story: Mia’s thrilled when her unruly son, Jack, returns from a weekend at Grandma’s house as a model of discipline, but his strange transformation leaves her uneasy. Determined to uncover what happened, Mia’s questions lead her to a dangerous revelation.
This work is inspired by real events and people, but it has been fictionalized for creative purposes. Names, characters, and details have been changed to protect privacy and enhance the narrative. Any resemblance to actual persons, living or dead, or actual events is purely coincidental and not intended by the author.
The author and publisher make no claims to the accuracy of events or the portrayal of characters and are not liable for any misinterpretation. This story is provided “as is,” and any opinions expressed are those of the characters and do not reflect the views of the author or publisher.
How to Own Your Dream Home
For most people, their first home isn’t their dream home. It starts off nice enough. But as time goes by and your family grows, starter homes tend to get a little . . . cramped.
But don’t hate on your current home too much. Because while it gave you a safe and dry place to lay your head at night, it was also setting you up to own your dream home someday.
We’ll show you how it all works and walk you through the steps that’ll get you in your dream home—one you can actually afford!
How to Get Your Dream Home in 5 Steps
Here are the steps:
- Follow the Financial Basics
- Find Out How Much Equity You Have
- Set Your New Home-Buying Budget
- Find the Right Dream Home for You
- Be Picky and Patient
Now let’s cover each step in more detail.
Step 1: Follow the Financial Basics
First thing’s first—you have to get out of debt, get on a budget, and build up an emergency fund of 3–6 months of expenses. Sounds pretty basic, right? If you haven’t completed these steps, then you’re not ready to upgrade to your dream home . . . yet.
Now, when you’ve got house fever, it can be hard to focus on paying off debt or saving an emergency fund before you upgrade your home—especially when you’re feeling the pressure of rising home prices and interest rates.
But whether it’s your second or third house, you should only buy a home when you’ve covered the financial basics we mentioned above. Then you’ll be ready to start the journey toward owning your dream house.
And that journey starts with your home equity. What’s equity? Well, we’re glad you asked . . . that brings us to the next step.
Step 2: Find Out How Much Equity You Have
Home equity is a pretty simple concept: It’s your current home’s value minus whatever you still owe on your mortgage.
See, in most cases, your home’s value increases over time. Similar to other long-term investments (like retirement accounts), homes gradually increase in value. There have been periods of ups and downs in the market to be sure, but the value of real estate has consistently gone up. According to the St. Louis Federal Reserve, the average sale price of a home has increased over 2,300% from 1965 to 2023! And in the last ten years (2013 to 2023), there’s been a 68% increase.1 As your home increases in value, so does your equity. In real estate terms, this is called appreciation.
Other factors that increase your home’s equity include:
- Added value: Home improvement projects like adding square footage, updating fixtures and appliances, or even just slapping on a new coat of paint can add value to your home.
- Mortgage paydown: Paying down your mortgage not only gets you out of debt faster, it also builds your equity. The less you owe on your home, the more equity you have.
The amount of equity you have gives you a pretty good idea of how much money you’ll end up with after selling your house. You can use that money to make a hefty down payment and cover the other costs that come with buying a home.
Find expert agents to help you buy your home.
So, how do you determine your home’s value? Well, you can get a ballpark estimate on real estate websites like Zillow, ask a trusted real estate agent to perform a competitive market analysis (which they’ll do anyway if they’re helping you sell your house), or get a professional appraisal.
Finding out your home’s equity will involve a little math, but it’s third-grade-level stuff, so don’t sweat it.
Here’s what we mean. Let’s say your home’s current value is $355,000. When you sell that house, you’ll have to pay for between 1–3% of the sale price in closing costs, another 6% in fees for the real estate agent who helped you sell it, and whatever’s left to pay off on your mortgage.
That means you can estimate clearing over $223,000 from selling your house. That’s a killer down payment on your dream home! And if your home is paid off, that’s even more money to put down and use to pay for things like repairs and moving expenses.
Step 3: Set Your Dream Home Budget
Once you know how much you’ll clear from the sale of your home, you can start making a budget for your dream home.
The key to owning your dream home (instead of it owning you) is to keep your mortgage payment to no more than 25% of your take-home pay on a 15-year fixed-rate mortgage, along with paying a down payment of at least 20% to avoid private mortgage insurance (PMI). Never get a 30-year mortgage even if the bank offers it (and they will). You’d pay a fortune in interest—money that should go toward building your wealth, not the bank’s.
So, let’s say your take-home pay is $4,800 a month. That means your monthly mortgage payment shouldn’t be any bigger than $1,200. By the way, that 25% figure should also include other home fees collected every month with the mortgage payment like homeowners association (HOA) fees, insurance premiums and property taxes.
Plug your numbers into our mortgage calculator to see how much house you can afford.
And don’t forget to budget for all those other costs that come with the home-buying process in addition to your closing fees—things like moving expenses and any upgrades or repairs you might need to make. You don’t want these hidden costs to catch you off guard or drain your emergency fund.
Step 4: Find the Right Dream Home for You
This is where things get real. After all your hard work building up your equity (and doing a lot of math—don’t forget that), you’re finally ready to start the house hunt. Woo-hoo!
But don’t lose focus. Stay zoned in by making a list of features that make a home fit your budget, lifestyle and dreams—and stick to it throughout your house hunt. Here are a few ideas to get you started.
- Don’t compromise on location and layout. If you plan to be in this home for the long haul, an out-of-the-way neighborhood or a wacky floor plan is a deal breaker. Look for a community and layout that’ll suit your lifestyle now and for years to come.
- Think about how much space your family needs. While your budget has the final say about how much home you buy, you’ll want your dream home to fit your family’s needs through different life seasons.
- Consider the school districts. If you have or want kids, the quality of the nearby school districts is probably already on your mind. But even if you don’t have kids or you’re retired, keep in mind that having good schools nearby could increase your home’s value.
- Look for a house that’ll grow in value. Are home values rising in the area? Is the number of businesses going up? These factors can help you figure out whether your dream home will turn into a good investment.
- Count the costs. Want that fancy master bathroom with the multiple showerheads and the Jacuzzi tub? Be clear on what’s a must-have and what’s nice to have. And don’t forget, upgraded features like that will make your dream home more expensive.
Step 5: Be Picky and Patient
We know you’re anxious to get into those new digs, but be patient. Wait for the right house at the right time. Don’t spend your money on a less-than-ideal home just because you’re tired of looking.
The key is finding a good real estate agent who understands your budget and refuses to settle for “good enough.” They’re as committed to your dream as you are and will have your back throughout the entire process, no matter what it takes.
In addition to teaming up with a great real estate agent, you can take a couple of extra steps to make sure you’re ready to strike as soon as the right home comes up:
- Get preapproved for a 15-year fixed-rate mortgage. Having preapproved financing is a green flag for sellers—especially in multiple offer situations. And because this puts most of your information in the lender’s system, you’ll be on the fast track to closing once your offer is accepted.
- Offer earnest money with your bid. Earnest money is a deposit to show you’re truly interested in a home. Usually it’s 1–2% of the home’s purchase price and it’s applied to your down payment or closing costs. Even if the deal falls through, you can almost always get most of it back.
Find a Real Estate Expert in Your Local Market
Now, you might be thinking you have some work to do before you’re ready to find your dream home. Or you may be realizing your years of hard work are about to pay off! Regardless, if you follow these steps, you’ll find the house you’ve always wanted and avoid a purchase you’ll regret.
Once you’re ready, connect with one of our RamseyTrusted real estate agents. These are high-performing agents who do business the Ramsey way and share your values so you can rest easy knowing the search for your dream home is in the right hands.
Find the only real estate agents in your area we trust, and start the hunt for your dream home!
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