To hide his affair, Herman inflicts emotional distress upon his stepson. When his jilted wife, the boy’s mother, learns the truth, she calmly delivers justice.
The soft melodies of Billie Holiday filled the room, the sultry voice surrounding the entangled figures on the white sofa. Herman, in his thirties, and Jezebel, his mistress, shared stolen moments in the dimly lit living room.
“This is so naughty of us!” Jezebel whispered. “What if your wife comes home early?”
For illustration purposes only | Source: Faceboo
“My wife hasn’t come home early in at least a year! We have the whole morning,” Herman insisted.
“The whole morning!” Jezebel echoed. “Well, in that case, best we make the most of it, Mr. Loverman. Kiss me like you mean it.”
“That’s not all I’m going to do; just wait,” Herman replied, tossing his sweater aside.
They lost themselves in the moment, but a creaking door interrupted them. Panic gripped the pair; Herman’s wife wasn’t supposed to be back for hours.
“Who is it?” Jezebel whispered.
“It can’t be my wife,” Herman pleaded. “She told me she was working late. Quick, get—”
The front door slammed shut, and Herman faced the music.
A young voice broke the tension. “Herman? Are you here?” Herman’s son, Jake, entered, backpack slung over his shoulders.
For illustration purposes only | Source: Facebook
“What are you doing home, Jake?” Herman asked angrily.
“They made us go home early because of a scare,” Jake explained. “They thought there was someone with a gun in the school. Herman, who is this lady?” Jake asked, looking at Jezebel.
Herman denied Jezebel’s presence. “Jake, you must be seeing things.”
“But I see a lady right there,” Jake insisted.
For illustration purposes only | Source: Facebook
Herman concocted a lie about Jake’s shock from the school scare.
“Close your eyes and count to ten. If you can’t see the ghost, it can’t see you. And you see, it’ll disappear if you do that.”
Jezebel disappeared into the bedroom as Jake obediently counted. When he opened his eyes, the woman was gone.
For illustration purposes only | Source: Facebook
“I made her disappear?” Jake exclaimed.
“You got rid of the ghost. You’re a brave young man,” Herman assured.
After coaxing Jake to keep the encounter a secret, Herman allowed him unlimited screen time.
After Jake left, Jezebel re-entered the room, disapproving of Herman’s actions. “What was that? You lied to your son?”
“Stepson,” Herman corrected. “What did you expect? Tell him about us? Admit to our affair? I’ll do whatever it takes to keep us together.”
Jezebel sighed. “Okay, cool,” she said.
“That was close, though,” Herman said. “We’ll get back to what we were doing another time!”
“Yeah,” she agreed, kissing him goodbye. “See you later, Loverman,” she added seductively.
***
Herman’s wife, Grace, returned home after sunset. Tension enveloped the dinner table as they sat down to eat. Jake seized the opportunity to share his peculiar day.
For illustration purposes only | Source: Facebook
“Mom,” he began, “we left school early today because they thought there was someone with a g un inside.”
“What…what happened?” Grace gasped.
“It was a false alarm. Everything’s fine, right, Jake?” Herman interjected.
“I’m fine,” Jake said. “But when I came home, I saw a ghost.”
“A ghost?” Grace asked, concerned.
“It’s just his imagination,” Herman intervened, concealing his panic. “Post-traumatic stress from the school scare.”
Ignoring Herman, Grace focused on Jake. “What did the ghost look like?”
“She was a lady with big, frizzy hair,” Jake explained.
“She?” Grace repeated, looking at Herman.
For illustration purposes only | Source: Facebook
Herman laughed nervously. “He must be in shock. Go watch cartoons,” he told Jake.
After Jake left, Herman leaned in, trying to placate Grace. The tension lingered.
“I’ll call the school and get Jake an appointment with the psychologist,” Grace said. “Now that you’re not working, you can take him to the appointment.”
Herman almost yelled, “I’m trying to find a job!”
“I know. But..Maybe spend less time at that Moe’s Diner you visit often and help more with Jake,” Grace suggested stiffly.
Herman didn’t say much, promising to help her with her son.
After dinner, Grace decided to talk to Jake. “Talk to the counselor at school. It might help you understand what’s going on, honey, alright?”
“Okay, Mom,” Jake said sweetly and wished Herman and Grace good night.
Herman’s heart sank in regret, realizing his secret tryst with Jezebel was unraveling. He had hoped to manage the affair, but it was proving more complicated than expected.
As they sat in the living room, Grace’s eyes locked with Herman’s. “It’s for the best that we’re taking him to a doctor. My boy’s well-being is at stake.”
They argued, and Herman again said it wasn’t needed, but Grace’s determination prevailed. “I’ll make an appointment with the psychologist for Jake! And I’m taking him there myself!”
***
In Dr. Warren’s child-friendly office, Jake’s anxiety was palpable. His tiny hands gripped the chair he sat in.
Dr. Warren greeted him warmly. “Let’s talk about what happened, Jake.”
Jake hesitated, recalling the frightening incident that brought him here and Herman’s trick with ghosts. “Herman said if I close my eyes, the ghost would disappear.”
Dr. Warren turned to Grace. “What trick did Herman show you? What ghosts?”
Grace explained Herman’s role in their lives — that he was her second husband — and Jake continued, “Herman said when I close my eyes, the ghost can’t see me, so it goes away.”
Dr. Warren addressed Jake gently. “Closing your eyes won’t make dangerous things go away. It’s important to talk to someone you trust.”
Jake nodded, sharing his fear of the ghost breaking up his family. “I saw a Iady. I am scared that lady will make Herman leave Mom.”
Dr. Warren looked at Grace. “I’m going to recommend regular visits to help Jake understand these feelings better. Jake,” he added, turning to the boy, “can you please excuse us? Your mom will be out in just a minute. I want to make an appointment for your next visit with her.”
Jake nodded and left the room.
“I divorced Jake’s father because he was unfaithful. He had an affair,” Grace told Dr. Warren.
The man nodded. “I think what’s happening with Jake is a classic case of Kleinian Projective Identification,” he said.
“Is it serious? What…what can we do?” Grace asked, concerned for her little boy.
“Don’t worry,” Dr. Warren reassured her. “It’s just a theory in child psychology based on Melanie Klein’s work. Projective identification involves a child projecting feelings onto another or the world outside, often with the intent of making the other person experience what the projector is feeling, causing delusional behavior, like Jake’s. We can deal with this.”
“I just want what’s best for Jake,” Grace said worriedly. “If you think you can help him, then we’ll do whatever it takes.”
“I’d like to work with Jake,” Dr. Warren continued. “He might need counseIing and medication. I’m here to support both of you.”
***
Grace briefed Herman on Dr. Warren’s diagnosis over dinner. “What did he call it?” Herman asked.
“Something about projecting fears onto the externaI world,” Grace said.
For illustration purposes only | Source: Facebook
“Is it a real issue?” Herman inquired.
“Yes, according to Dr. Warren. Jake might need medication,” Grace replied.
Herman Iowered his head and concentrated on eating his food. “Is something wrong?” Grace asked him.
“Uh, no, no, nothing wrong,” Herman said unconvincingly. “Just thinking.”
“I’m taking the afternoon off tomorrow and taking Jake out for lunch. I think it will be good if he and I spend some time together. Maybe he will open up about what’s troubling him.”
“Okay,” Herman agreed nervously.
At Moe’s Diner, Grace and Jake discussed the menu. Suddenly, Jake closed his eyes, claiming to see the ghost from their living room.
“The ghost? Are you sure, honey?” Grace asked, worried and concerned.
Jake pointed to the frizzy-haired waitress, Jezebel. Grace approached her, inquiring about any unusual experiences at the restaurant. But Jezebel denied any ghostly occurrences.
Grace, suspicious, pressed on, “It’s just that sometimes kids pick up on things, you know? Strange vibes or unusual occurrences. It would put my mind at ease to know if there’s anything unusual about this place. For my son’s sake.”
Jezebel dismissed Grace’s doubts, claiming that Jake had an overactive imagination. Grace thanked her and returned to the table.
But the woman sensed something off about Jezebel. Pieces of the puzzle were falling into place, and she couldn’t shake the feeling that the truth was within reach.
For illustration purposes only | Source: Facebook
When Jezebel dropped the food, Grace said nothing. Jake closed his eyes and began counting again.
“It’s okay now, Jake, she’s gone,” Grace assured. Jake opened his eyes, focusing on his ice cream.
Grace had an idea. “Jake, should we call Herman and ask him to join us for lunch?”
Jake nodded unenthusiastically.
Grace smiled, pleased. “But my phone’s dead. I’ll ask the waitress if I can use hers.”
Approaching Jezebel, Grace said, “My phone’s almost flat. Can I use yours to make a quick call to my office?”
Jezebel handed her phone reluctantly. “No problem. Go right ahead,” she said.
Grace dialed Herman’s number and got the shock of her life when the caller ID on Jezebel’s phone revealed “Loverman.” Shocked, Grace hung up quickly and returned to the table. But now the truth was out.
With a weak smile, she encouraged Jake to finish his food soon.
After arranging a playdate for Jake, Grace returned home. Settling on the sofa, she reached for her phone, dialing Dr. Warren.
“It’s Grace. I need your guidance and support.”
Grace recounted the events, revealing her plan to remove Herman’s belongings. Dr. Warren supported her decision.
Soon, the removal men arrived, packing up Herman’s things.
When Herman arrived, he was shocked. “Grace, what’s going on? What are these men doing with our things?” he asked, baffled.
For illustration purposes only | Source: Facebook
Grace imitated the charade Herman had once played with their son, a mocking smile on her lips.
“Herman, what men? I don’t see any men. You must be seeing ghosts. Oh, and to be clear, those are not our things; they are your things.”
Herman’s face paled. The tables had turned.
His voice quivered, “Grace, you must believe me. I didn’t mean for any of this to happen. I—”
For illustration purposes only | Source: Facebook
Grace cut him off, her voice firm and unwavering. “Herman, there is no room for excuses. The time for lies and infidelity is over. You know what you are to me now? A ghost!”
Herman’s eyes twisted up with regret, but Grace’s resolve held. She explained that all of his personal items were being moved to a storage facility, signaling the end of their shared life together.
“I’ve also been in consultation with Dr. Warren, and we’ve initiated criminal charges for emotional abuse. The police will be here shortly.”
Soon, two officers arrived, their badges glinting. They informed Herman of his rights and took him away; justice was served.
For illustration purposes only | Source: Facebook
Grace, feeling vindicated, turned to the door, closed her eyes, and counted to ten – her way of making Herman’s ghost disappear.
Opening her eyes, she saw Jake, who ran to her and embraced her.
Grace held him close. The road ahead was uncertain, but they were united, and they would face whatever challenges that lay ahead with courage and love.
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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