When Belinda jokes about skipping her SIL’s strict vegetarian Thanksgiving, her husband Jeremy’s reaction is anything but funny. His sudden anger and ultimatum for divorce leave her reeling. As tensions rise, Belinda uncovers secrets that hint at a far deeper betrayal hidden in plain sight.
Thanksgiving was supposed to be family time, right? But this year, it felt more like I was heading into a battle I didn’t sign up for.
A troubled woman | Source: Midjourney
It started with my sister-in-law, Amy’s text announcing that she’d be hosting Thanksgiving this year, and that it would be a strictly vegetarian meal. This wasn’t a suggestion, mind you, but a declaration.
I couldn’t help but laugh as I stared at the words on my phone screen: No meat or animal products allowed! Anyone who doesn’t respect this rule will be kicked out. Trust me, you won’t even miss them once you try my Tofurky roast!
Yeah, right. I’d choked down enough of her cardboard-flavored fake meat experiments since she decided to become vegetarian last year to know better.
A vegetarian burger | Source: Pexels
I could hear her voice in my head as I read the text, all high and haughty, the way she sounds when she’s convinced she’s right about something.
“Can you believe Amy’s Thanksgiving dinner message? Can’t she just make a lentil curry instead of forcing us all to eat that awful faux meat?” I turned to Jeremy, expecting him to chuckle along with me, but he just gave me a look that stopped my laughter dead in its tracks.
“It’s just one meal, Belinda,” he said in a low, tense voice. “You can handle it.”
A tense man sitting on a sofa | Source: Midjourney
“I know I can handle it,” I shot back, rolling my eyes. “I just don’t want to.”
“Why does everything between you and Amy always have to be such a big deal?” he asked, running a hand through his hair, eyes fixed on some invisible spot on the carpet. “It’s a family holiday, and this is important to Amy. For once, can’t you just do something to make her happy?”
I don’t know whether it was the way he suddenly seemed so rigid, or how his voice took on that edge, but something in me snapped.
A woman with an angry glint in her eye | Source: Midjourney
I was tired of constantly bending to Amy’s needs and whims for every family gathering. Maybe it would’ve been easier if she weren’t so controlling and erratic, but I was tired of riding the roller coaster of being Amy’s sister-in-law.
“Because it’s not about the food, and you know it. Amy always steamrolls everyone else’s plans, and it’s not fair.” I crossed my arms, trying to keep the hurt out of my voice. “Jeremy, we could just spend Thanksgiving on our own this year. Make a nice dinner, watch a movie…”
He shook his head like I’d just suggested setting the house on fire.
A solemn and serious man | Source: Midjourney
“We’re not skipping Thanksgiving at Amy’s. It’s… you’re not being supportive, Belinda.” He looked at me, then with tightness around his mouth and tension in his shoulders, he said, “If you can’t be there for my family, maybe… well, maybe you shouldn’t be a part of it anymore.”
My jaw dropped. I felt the blood rush to my face, a mix of shock and anger. “You’d really divorce me over one family dinner?”
“It’s not just dinner,” he muttered, looking away. “It’s about supporting each other.”
A stern-looking man | Source: Midjourney
Supporting each other. Right. Except the support only worked one way, and I always came off as second best to his sister.
But I bit my tongue and swallowed the one thousand things I wanted to shout at him, mostly about his unwavering dedication to Amy, which went beyond the typical brotherly concern.
I’d noticed the late-night calls, and the anxious glances when she was around. But I couldn’t quite figure out how to bring it up without sounding… petty and paranoid.
An emotional woman | Source: Midjourney
“Fine. We’ll go to Amy’s Thanksgiving,” I said, but the words tasted bitter.
I could feel the weight of his expectations pressing down, and that weight carried me straight into the storm I had no idea was brewing.
The days leading up to Thanksgiving felt like walking through quicksand — every step heavier than the last. Jeremy seemed to slip away right in front of me.
He was always out early and back late, his shoulders hunched under an invisible weight. I’d never seen him so preoccupied, so completely withdrawn, and the walls he’d put up between us grew thicker by the day.
A woman glancing at her husband | Source: Midjourney
It wasn’t just his absence. Money, too, had become strangely tight. I noticed him pulling our bank statements more often, scanning them with an intensity that seemed out of character.
He’d insisted on managing our finances when we first married, saying it made sense since he worked in accounting. Back then, I’d shrugged, trusting him completely.
But now, the way he pored over each line, his brow knitted with worry, stirred a growing unease in me. What was he hiding?
A man drinking coffee and working on his laptop | Source: Pexels
One evening, after he’d gone to bed, I gave in to my instincts and pulled up the details for our joint account on my laptop. Guilt whispered that I was crossing a line, but my need for answers drowned it out.
As I scrolled, my breath hitched. Regular withdrawals, small but persistent, were labeled under a vague “medical expenses.” Doctor’s names cropped up every month, one more than the rest.
I typed the name into my browser. The last thing I expected was to find out that the only doctor in the area with that name was a psychologist.
A woman using a laptop | Source: Pexels
My heart pounded. During dinner the next night, I worked up the nerve to ask, “Jeremy, are you… are you in therapy?”
His eyes widened, a flicker of something unnameable darting across his face.
“Yeah, sometimes,” he mumbled, too quickly. His hand fumbled for the edge of the table as if anchoring himself. “It’s just… uh, it’s been a rough year. So much stress.”
My stomach twisted. He was lying. My steady, unflinching husband was lying to me, and I didn’t know why.
A frowning woman | Source: Midjourney
A few nights before Thanksgiving, I woke to the soft murmur of his voice drifting from the living room. Tiptoeing to the doorway, I held my breath, listening.
“I told you I’d handle it,” he whispered, his voice warm and tender. The way he spoke — so careful, so… intimate — it sent a shiver through me.
“You don’t have to worry,” he assured, the words almost a caress. Then there was a long pause, thick and lingering, before he murmured, “Goodnight, Amy.”
A woman eavesdropping from a doorway | Source: Midjourney
As he hung up, my heart plummeted, thudding painfully in my chest.
Amy. Of course.
I wanted to demand answers, to press him until every last hidden truth unraveled before me, but the words stuck in my throat, a bitter knot of suspicion and fear.
If I pried too far, would I even recognize what I found? Or would the truth change everything I thought I knew about my husband and his relationship with his sister?
A worried woman | Source: Midjourney
Jeremy was so different now, a stranger masquerading in the familiar face I’d trusted for years. I could feel the edges of something larger, a whole tangled mess of secrets he’d worked tirelessly to keep buried. But there it was, just beneath the surface, waiting to be exposed.
Thanksgiving Eve dawned gray and somber, casting a dull light over the kitchen where I sat, my stomach a knot of nerves and questions.
I couldn’t stomach the idea of sitting across from Amy, pretending nothing was wrong, stuffing my face with tofu roast while my husband’s lies swirled around us. No, I needed to know what they were up to before I walked through that door.
A determined woman | Source: Midjourney
Jeremy entered, his face blank with that practiced calm of his, but I could see a flicker of something when he met my gaze. I waited until we were both settled at the table. The fridge hummed in the background, filling the space between us.
“Jeremy, I need to know.” I kept my voice steady, though inside I was anything but. “Why are you so…committed to Amy?”
His face shifted, and for a moment I saw something raw flicker in his eyes before he blinked it away.
A secretive man | Source: Midjourney
“What are you talking about?” He tried for nonchalance, but his hands were clenched tight, his knuckles white against the tabletop.
“All the secrets, the money, the phone calls in the middle of the night.” My voice wavered as the words spilled out, no longer restrained. “Are you hiding something… something I need to worry about?”
He opened his mouth as if to deny it, then shut it again, his gaze darting around the room like he was searching for an escape. But there was none.
A stunned man | Source: Midjourney
Trapped, he let out a small sigh, his shoulders slumping under the weight of his secrets.
“It’s… complicated,” he murmured.
“Try me,” I said, my voice rising with a mix of desperation and anger. “Whatever it is, I deserve to know.”
A thick silence stretched between us, heavy and unyielding. Finally, Jeremy looked away, his face shadowed, haunted by memories he’d kept hidden from me.
A man avoiding eye contact | Source: Midjourney
“Amy has had a lot of issues. Mental health things. She has bipolar disorder. It was bad a few years ago. Really bad.” He paused, his eyes far away. “She was hospitalized for months and when she got out, I was the only one she trusted. So I was there for her. I made sure she was taken care of and felt supported.”
His words sank into me, each one heavy, each one unraveling my understanding of him a little more. So this was the burden he’d been carrying, alone, without letting me in.
A woman looking at her husband in shock | Source: Midjourney
My anger surged, not at Amy’s demands, but at him. At the lie he’d been living and the betrayal that came from not being trusted enough to share his truth with me.
“And all those expenses? They’re for her, aren’t they?”
He nodded slowly, his gaze fixed on the floor, unable to look at me. “Yes. Therapy, sometimes groceries… whatever she needs.”
A chill settled over me as I closed my eyes, feeling the weight of his confession suffocating. “So, you’ve been lying to me for our entire marriage. About our money, about everything.”
A woman with her arms crossed | Source: Midjourney
“It wasn’t lying, Belinda,” he insisted softly, his voice breaking, barely above a whisper. “It was just… keeping the peace. I’m her big brother and Amy’s life has been hard enough without having to face people treating her differently because of her illness. I didn’t think you needed to know about any of this.”
I wanted to scream at him, shake him until he understood the cost of his silence. Instead, I sat there, silent, as the reality of what he’d done washed over me like a tidal wave.
I shook my head, feeling the tears rise, hot and unforgiving.
A tearful woman | Source: Midjourney
“But what about us? Keeping this secret has been tearing us apart, Jeremy. And you’re so focused on Amy and protecting her from everything that you’re willing to lose your wife over Thanksgiving dinner.”
He stared at me, his face a mix of sorrow and regret. “I… I didn’t know it would come to this.”
“Well, here we are.” I took a shaky breath, gathering the last of my resolve. “And Jeremy, you need to make a choice.”
A woman frowning sadly | Source: Midjourney
“Not between Amy and me,” I added. “I would never ask you to abandon your sister. But you need to choose between hiding things and being honest. Between enabling Amy’s controlling behavior and setting healthy boundaries. Between being her caretaker and being my partner.”
The silence that followed felt endless. When Jeremy finally spoke, his voice was thick with tears.
An emotional man | Source: Midjourney
“I’m scared,” he admitted. “What if setting boundaries makes her worse? What if she can’t handle it?”
“What if she can?” I countered gently. “What if she’s stronger than you think? What if she needs the chance to stand on her own two feet?”
“I… I don’t know if I can risk losing her.”
A sad man | Source: Midjourney
I stared at Jeremy and sighed. It felt like we were at an impasse with no obvious way forward. Amy couldn’t keep running our lives, but I understood Jeremy’s reluctance to confront his sister.
One thing is clear: we can’t carry on like this. After everything I’d uncovered over the past few days, I wasn’t even sure our marriage was built on a solid enough foundation to be worth saving.
What should I do now?
A conflicted woman | Source: Midjourney
Here’s another story: Ten years after vanishing without a trace, Sara’s ex-fiancé, Daniel, reappears on her doorstep with a lawyer, demanding custody of the son he’d abandoned. Secrets unravel as Sara fights to protect the life she built with Adam, and the true reason behind Daniel’s sudden return threatens everything.
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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