Joan scrolled through her school album remembering what her thoughts were back then. It had already been twenty years since graduation, but Joan still remembered the boy who broke her young heart. In anticipation of meeting him at the reunion, she didn’t know that he hadn’t been the one to blame.
As I sat flipping through my old school photos, I couldn’t help but feel a wave of nostalgia wash over me. It had been 20 years since I graduated, but looking at the pictures made it feel like just yesterday.
There I was—young Joana Cooper, with that silly, hopeful smile plastered on my face, and beneath my yearbook photo, a cheesy quote I once thought was so profound:
“Love is a two-person job.”
For illustration purposes only. | Source: Midjourney
I laughed at how naive I had been back then, but my laughter quickly faded as my eyes landed on his photo. Chad Barns. My high school crush. The boy who had captured my heart for years.
I had been head over heels for Chad back then—leaving secret love notes in his locker, trying to flirt in my awkward teenage way, and even stuffing valentines into his backpack when I thought no one was looking.
I was convinced we’d end up together, that he was the one.
For illustration purposes only. | Source: Midjourney
I imagined our future so vividly, right down to our wedding day. But here I was, 38 years old, still single, and still wondering what had gone wrong.
Why had Chad suddenly shut me out all those years ago? He had ghosted me just before graduation, leaving me confused and heartbroken.
I hadn’t spoken to him since, but the memory of him still haunted me, even after all this time.
For illustration purposes only. | Source: Midjourney
Just as I started to sink deeper into my thoughts, the doorbell rang, pulling me back to the present.
I set the photo album aside and went to open the door. My best friend Lora stood there, her usual bright smile lighting up her face.
“Ready for the school reunion, bestie?” she asked, her excitement contagious.
I hesitated, leaning against the doorframe.
For illustration purposes only. | Source: Midjourney
“Honestly, Lora, I’m not sure I want to go.”
She raised an eyebrow, clearly surprised.
“Why not? What happened?”
I let out a deep sigh.
“I was just going through my old photos, and it brought back a lot of memories. You know, about Chad.”
For illustration purposes only. | Source: Midjourney
Lora rolled her eyes dramatically, crossing her arms.
“Chad Barns? You’re still hung up on that after 20 years?”
“I know it sounds ridiculous,” I admitted, feeling a bit embarrassed.
“But it still stings. We were so close, and then he just stopped talking to me, like I didn’t mean anything to him.”
For illustration purposes only. | Source: Midjourney
Lora stepped closer, placing a comforting hand on my shoulder.
“Look, maybe he won’t even show up tonight. And even if he does, don’t let it ruin your night. This reunion is about catching up with old friends and having fun, not reopening old wounds.”
I forced a smile, trying to push my insecurities aside.
“You’re right. But if he’s there… I’ll make sure he remembers exactly what he missed.”
For illustration purposes only. | Source: Midjourney
Lora grinned.
“That’s the spirit.”
I was nervous the entire drive to the school reunion. My fingers tapped nervously against my lap, and I kept glancing out the window, lost in a whirlwind of emotions.
What if Chad showed up? What if he didn’t? A part of me wasn’t sure which would be worse.
For illustration purposes only. | Source: Midjourney
My heart felt like it was lodged in my throat, and the closer we got, the harder it was to breathe.
As we arrived at the venue, I glanced at my reflection in the rearview mirror one last time, adjusting my hair and smoothing down the fabric of my dress.
I couldn’t shake the nerves that clung to me like a second skin.
“Joan, you look gorgeous. Seriously, stop worrying about Chad—this is your night,” Lora said, her voice soft but firm.
For illustration purposes only. | Source: Midjourney
“We’re going to have fun, okay?”
I gave her a weak smile, but the knot in my stomach wouldn’t loosen. “Thanks,” I muttered, still fidgeting with my dress.
“But what if he doesn’t come? I feel like a fool getting all worked up over this. It’s been so long, Lora.”
“You’re not a fool,” Lora said, rolling her eyes as if I had said something ridiculous.
For illustration purposes only. | Source: Midjourney
“Honestly, if he does show up, don’t waste your energy on him. Let him see what he missed, and let’s make this night about us, not him.”
Her confidence was contagious, and for a moment, I felt reassured. We stepped out of the car and headed toward the entrance, but with every step, my heart pounded harder.
The school loomed in front of me, bringing back a flood of memories—some good, some painful. I couldn’t believe I was walking back into this chapter of my life.
For illustration purposes only. | Source: Midjourney
The reunion felt like stepping into a time machine. Familiar faces greeted us, people I hadn’t seen in years, some who had barely changed, others I barely recognized.
Laughter filled the air as old friends caught up, shared stories, and reminisced about the good old days. I was starting to relax, even enjoying myself, until I saw him.
Chad Barns.
For illustration purposes only. | Source: Midjourney
My heart skipped a beat as I spotted him across the room. He looked different—older, yes, but still handsome in that rugged, confident way I remembered.
He had a neatly trimmed beard now, and as soon as our eyes met, he smiled. A warm, familiar smile that hit me harder than I expected. All the anger and confusion I had buried deep inside for years rushed to the surface.
Why did he shut me out all those years ago? Why had he left me hanging without a word?
Before I could do anything—before I could even process what I was feeling—Lora grabbed my arm, gently but firmly pulling me in the opposite direction.
For illustration purposes only. | Source: Midjourney
“Remember what I said,” she whispered, her voice steady. “Don’t talk to him.”
“Okay,” I muttered, trying to follow her advice, but part of me was screaming to finally confront Chad, to demand the answers I had been waiting for all these years.
Later in the evening, after we had chatted with a few more classmates, Lora accidentally spilled her drink on her dress. “Oh no!” she exclaimed, looking down at the dark stain.
For illustration purposes only. | Source: Midjourney
“I just bought this! I’ll be right back, Joan, I need to go clean this up.”
I watched as she hurried off to the bathroom, leaving me alone for the first time that evening.
I glanced around, feeling a bit lost without Lora by my side. The reunion was in full swing, laughter and music filling the air, but I suddenly needed some space.
Without thinking, I made my way outside, toward the quiet bench in the schoolyard that used to be my favorite spot.
For illustration purposes only. | Source: Midjourney
It was the place where I would sit after classes, lost in my daydreams or writing in my journal. Tonight, it felt like the perfect place to clear my head.
Sitting down, I closed my eyes for a moment, letting the cool night breeze wash over me.
The memories of high school flooded back—how carefree I was back then, how hopeful. And then, the memories of Chad. I shook my head, trying to push them away, but they lingered, just like they always had.
For illustration purposes only. | Source: Midjourney
Suddenly, I heard footsteps behind me. I opened my eyes and turned to see Chad walking toward me, his familiar smile lighting up his face.
“Hey, Joana,” he said, his voice warm but tentative.
“Chad,” I replied, feeling my heart race in my chest. “It’s been a long time.”
“It has,” he said, stopping a few feet away from the bench. “I wasn’t sure if you wanted to talk to me. You’ve been avoiding me all night.”
For illustration purposes only. | Source: Midjourney
I laughed nervously, unsure of how to respond. “I wasn’t sure you wanted to talk to me after how things ended in high school.”
Chad looked genuinely confused. “What do you mean? I thought you didn’t want to see me after that letter.”
“Letter?” I repeated, frowning. “I never got a letter, Chad.”
He sighed, his expression turning serious.
For illustration purposes only. | Source: Midjourney
“I wrote you a letter asking you out to the park for a date. I left it in your locker, and when you didn’t show up, I figured you weren’t interested. I thought that’s why you stopped talking to me.”
I shook my head, completely stunned.
“Chad, I never got a letter. I thought you stopped talking to me out of nowhere. I couldn’t figure out what I did wrong.”
Before Chad could respond, I heard footsteps again. Lora appeared, looking flustered, her cheeks slightly flushed.
For illustration purposes only. | Source: Midjourney
“What are you two talking about?” she asked, a hint of nervousness in her voice that I hadn’t noticed before.
“Lora,” I said slowly, piecing things together. “Do you know anything about the letter Chad sent me?”
Her face turned pale, and for a moment, she looked like she was about to deny everything. But then Chad stepped forward.
“Lora, you gave me Joana’s reply. You told me she wasn’t interested.”
For illustration purposes only. | Source: Midjourney
I turned to look at Lora, my stomach sinking as I saw the guilt in her eyes. “Is that true?” I asked, my voice shaking.
Lora looked down, her face flushed with embarrassment and regret. “I… I was jealous,” she admitted, barely above a whisper.
“I liked Chad, and I didn’t want you two to get together. I thought you’d forget about him if I made sure you never saw that letter.”
For illustration purposes only. | Source: Midjourney
My chest tightened with a mix of disbelief and anger.
“You lied to both of us? You ruined everything because you were jealous?”
“I’m sorry,” Lora whispered, tears forming in her eyes. “I never thought it would matter after all these years. I just didn’t want to lose either of you.”
“Go away, Lora,” I said, my voice trembling with the weight of all the emotions I had kept bottled up for years.
For illustration purposes only. | Source: Midjourney
As Lora hurried off, a mix of sadness, anger, and relief washed over me.
Chad stepped closer, his arms wrapping around me in a gentle hug. I leaned into him, feeling the warmth I had missed all these years.
“All this time,” I whispered, my voice shaky, “I thought you didn’t care.”
Chad sighed, his voice soft. “I thought the same about you.”
For illustration purposes only. | Source: Midjourney
For a moment, we stood there in silence, holding onto each other, letting the weight of the past slowly slip away.
“We can’t change the past,” Chad said, his voice calm, “but we can decide what happens now.”
I looked up at him, wiping away my tears with a small smile. “You’re right.”
We spent the rest of the night sitting on that familiar bench, talking and laughing. We had lost so much time, but I felt hopeful we wouldn’t lose any more.
Tell us what you think about this story, and share it with your friends. It might inspire them and brighten their day.
If you enjoyed this story, read this one: Jim had just seen his girlfriend of ten years in bed with her best friend, and now he was sitting in a bar, drinking with a woman in a wedding dress. He thought his life was over. Ten years felt wasted, but who would have thought that one random meeting could end up saving both of their lives?
This piece is inspired by stories from the everyday lives of our readers and written by a professional writer. Any resemblance to actual names or locations is purely coincidental. All images are for illustration purposes only. Share your story with us; maybe it will change someone’s life.
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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