When Lexie overhears her husband and the neighbor’s daughter discussing their affair, she doesn’t cry or confront them. Instead, she plans. With a clever invitation and a jaw-dropping twist, she flips the script on their betrayal, serving up karma with a side of sass. Revenge has never been this satisfying.
My husband, Mark, and I had been married for ten years. Two kids, a mortgage, and what I thought was a solid life bound us together. Sure, Mark wasn’t much help around the house.
He didn’t cook, clean, or manage the endless chaos of raising kids.
A smiling woman | Source: Midjourney
That was all me.
Exhausting?
Absolutely.
But I told myself it was fine because “we’re a team, Lexie.”
Except, apparently, Mark had decided to join a different team altogether.
It started with a bag of groceries.
Bags of groceries | Source: Midjourney
I had just pulled into the driveway after a grueling trip to the store. My car was packed with heavy bags and I was mentally preparing for the solo effort of hauling everything inside.
Mark, as usual, wouldn’t lift a finger.
That’s when I heard voices coming from the porch.
A woman holding a bag of groceries | Source: Midjourney
It was Mark, chatting with Emma, our neighbor’s 25-year-old daughter who’d recently moved back to town. Her parents were so proud when she got into her internship after she studied interior design.
Now, she and Mark stood there laughing like old friends.
I almost called out to say hello, but something made me stop.
I ducked behind my car, hidden by the shadows and groceries, and listened.
A couple on a porch | Source: Midjourney
“I can’t believe she hasn’t figured it out yet,” Emma said, her laughter ringing through the cool afternoon air.
Mark chuckled in response.
“She’s so busy with the kids and the house, Em. Lexie barely notices anything else. She’s gotten so gray, too. But she just brushes her hair the other way to cover it up. Honestly, she’s let herself go so much. She doesn’t even look like a woman to me anymore. She’s nothing compared to you, my princess.”
Emma giggled.
A man holding his head | Source: Midjourney
“Well, lucky for you, mister, I’m here now. You can parade me all your want. And trust me, there’s no gray hair in sight.”
Then they kissed.
Kissed?!
I clutched a bag so tightly that I could feel the plastic starting to tear. My vision blurred with tears, the humiliation and rage coursing through me. They continued their conversation, the shameless flirting, all oblivious to my presence.
A shocked woman | Source: Midjourney
But other than those few tears, I didn’t cry properly. I didn’t scream or shout. I didn’t confront them.
Instead, I quietly carried the groceries inside, using the back door, and started my planning.
The next morning, I woke up with a calmness that surprised even me. I made Mark breakfast, his eggs fluffy and the bacon extra crispy. I made his coffee with a dash of cinnamon, just the way he liked it. I kissed him goodbye and waved cheerfully as he left for work.
A plate of food | Source: Midjourney
Once he was gone, I walked next door and knocked on Emma’s door.
She opened it, visibly surprised.
“Oh! Hi, Mrs…Um, hi, Lexie,” she stammered, her smile overly bright.
“Hi, Emma,” I said warmly. “I was wondering if you could come over tomorrow evening. I could really use your advice on something.”
A woman standing at a front door | Source: Midjourney
She blinked, her smile faltering.
“Advice? On what?”
“Well,” I hesitated, letting my voice sound unsure. “I’ve been thinking about redecorating the living room. Your parents mentioned you studied design, and I thought you could help pick out colors or furniture ideas. It’ll just take a little while.”
A bohemian themed living room | Source: Midjourney
For a moment, doubt flickered in her eyes. Then she tilted her head, a sly smile forming.
“Oh, I’d love to help! What time?”
“I think seven will be fine? Dinner time!” I said, my own smile sweet and sincere. “Thanks so much, Emma. You’re a lifesaver.”
Emma showed up the next evening, dressed to impress. She greeted me with her usual cheerful demeanor, practically radiating confidence.
A smiling woman | Source: Midjourney
I welcomed her warmly and led her inside.
“Oh, before we get to the living room,” I said casually. “I wanted to show you a few things.”
I guided her though the house, pointing out key areas of domestic responsibility.
“Here’s the dishwasher. You’ll need to load it every night because Mark doesn’t bother, of course. The kids’ laundry goes here, but please, be sure to separate the loads, since they’re sensitive to different detergents.”
A laundry room | Source: Midjourney
She just stared at me.
“Oh, and here’s the schedule for their after-school activities. You’ll need to pick them up on Tuesdays and Thursdays, but Wednesdays are free for errands. I’ve written down the plumber, electrician, and pediatrician’s numbers. Just in case.”
Emma’s smile faltered, her face growing pale.
“And this,” I said, leading her into the kitchen, where the smell of a roast chicken filled the room.
A cozy kitchen | Source: Midjourney
“This is where you’ll prep all the meals. And let me tell you, other than the breakfasts, and different school and work lunches, there are snacks and desserts and it’s all just a lot. Mark likes his steak medium-rare, by the way. The kids will only eat steak if it’s cooked all the way through. The deader the better.”
She gasped.
“Don’t expect Mark to say thank you, manners are not his thing. The kids are picky eaters, I’m sorry to say, but you’ll figure it out.”
Steak on a plate | Source: Midjourney
She stared at me, wide-eyed.
“Uh, Lexie. I’m not sure… I don’t think… I didn’t offer to babysit them.”
Just then, Mark walked in. His face went pale the moment he saw us.
“Lex, what’s going on?” he asked, his voice tight and high-pitched.
A woman looking confused | Source: Midjourney
“Oh,” I said brightly. “I probably should have included you in this, too. But I’m just showing Emma how to run the house. Since you think I’ve let myself go, I figured that it’s time for me to prioritize myself. And also, maybe it’s time for me to find someone who sees me as his princess. Emma, you’ll be taking over everything I do. Good luck!”
Before either of them could respond, there was a knock on the door.
I opened it to reveal Emma’s parents. The same couple who often babysat my kids if I was in a bind.
A shocked man | Source: Midjourney
“Oh! It smells delicious! I told Annie that you were going to make your roast chicken, Lexie,” Emma’s father said, joyfully.
“Thanks for coming, Anne and Howard. And thank you for raising such a helpful daughter,” I said. “She and Mark have grown so close that I thought it was time to make her part of the family.”
“Wait, what?” Anne asked, her eyebrows furrowed.
A smiling man | Source: Midjourney
“I’m leaving and Emma’s going to take care of everything now! You must be so proud of your little girl.”
Emma’s mom looked confused. Her dad, on the other hand, livid.
“Emma,” her mom said. “Tell me that this isn’t true. Tell me that this isn’t what I think it is.”
“It’s not what it looks like!” Emma stammered.
A close up of a woman | Source: Midjourney
Mark, ever the coward, tried to shift the blame.
“Lexie, this isn’t fair! Emma came to me! She came onto me!”
“Oh, did she?” I asked, raising an eyebrow. “So, you’re saying that you’re not responsible for sneaking around with a 25-year-old while insulting your wife?”
He opened his mouth to argue, but Howard cut him off.
“Mark, this is on you. Emma, this is equally on you. Let’s leave. Now.”
A man holding his head | Source: Midjourney
Emma shot me a venomous glare before storming out. Her parents followed, muttering a thousand apologies as they went.
Mark turned to me, desperation etched across his face.
“Lexie, please, babe,” he said. “Let’s talk about this. We’ve been together for so long… you owe me a conversation, at least.”
“Oh, sweetie,” I said. “We’ll talk, don’t you worry. My lawyer will call you tomorrow. But for now, I think you should pack your bags and leave.”
An upset man | Source: Midjourney
“Where will I go?” he asked pathetically. “My family lives in a different state.”
“I don’t really care, Mark,” I said, taking the chicken out of the oven. “Go to a motel. Go to a friend. Join the circus.”
“And the kids? Where are the kids?”
“They’re with my sister. And they’ll stay there until you sort your nonsense out. You can tell them the truth after the lawyers work out a settlement. I’m not going down without a fight, Mark.”
A roast chicken on a tray | Source: Midjourney
A week later, I heard through the grapevine that Emma had dumped Mark.
“It was fun while it lasted, but I didn’t sign up to play mom. To him or his kids.”
Two weeks later, Mark came back.
“What do you want?” I asked, seeing the bunch of flowers in his hand.
A man holding a bouquet of flowers | Source: Midjourney
“I’ve been so miserable without you,” he said, practically begging. “Please, let me come back. Please, Lexie. We can fix this. I miss my kids. I miss our family.”
“I don’t care, Mark!” I blurted out. “I truly don’t care. Now, if you don’t have anything productive to do here, then leave. The kids are at a playdate, and I’m only fetching them in a few hours.”
Then, I closed the door, leaving him speechless.
An upset woman | Source: Midjourney
It’s been months since that night, and I’ve never been happier. I’ve rediscovered pieces of myself I thought were long gone. I’ve started taking up salsa dancing, and with that, my confidence, joy and freedom came flooding in.
Amid the chaos, my kids and I have found a new rhythm, one filled with laughter and love.
As for Mark? He’s still single. And from what I hear, Emma’s parents aren’t thrilled with her either. But Anne does bake cakes and pies and sends them over often. And Howard likes to rake up the leaves in our front yard.
Karma’s a funny thing, isn’t it?
A happy woman | Source: Midjourney
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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