When my husband dumped my golden retriever, Bailey, at a shelter during our divorce, I was devastated. Little did he know, that cruel act would cost him dearly and unravel his carefully-hidden secrets.
Bailey wasn’t just a dog. She was my family, my lifeline through the storm of my marriage’s collapse. And when Adam tried to take her from me, he unleashed a chain of events he could never have seen coming.
A woman standing in her house | Source: Midjourney
Marriage is supposed to be a partnership, a bond where both people lift each other up. But with Adam, it felt like I was carrying the weight of two people. And his greed made it heavier every day.
When we first met, Adam was everything I thought I wanted. He was charming, thoughtful, and attentive. He even acted like he loved my dog, Bailey.
But once we were married, the cracks began to show.
A man sitting on a couch | Source: Midjourney
At first, they were small things like refusing to pitch in for groceries, brushing off household chores, and grumbling about expenses for Bailey’s vet bills. But as time went on, his true nature revealed itself.
He was more interested in hoarding money than building a life together.
“Adam, Bailey needs her vaccinations,” I said one evening, holding a bill from the vet.
“Do we really need to spend so much on a dog?” he replied, barely looking up from his laptop.
“She’s not just a dog,” I shot back. “She’s family.”
A close-up shot of a dog | Source: Pexels
“She’s your dog, Eliza,” he shrugged. “Not mine!”
That was Adam. Generous with words when he wanted something, but stingy with anything that required real effort.
When I filed for divorce, I thought I’d finally be free of his manipulative ways. But Adam wasn’t done being vindictive.
During the proceedings, he kicked me out of the house. The same place I’d helped maintain for years. And he even refused to let me take Bailey.
A man standing outside his house | Source: Midjourney
“PLEASE, GIVE ME BACK MY DOG!” I pleaded. “SHE’S MINE! SHE’S MY FAMILY!”
“I don’t care,” he said.
“You can’t keep her,” I cried. “She’s been with me since before we got married! This isn’t fair!”
“Too bad,” he said coldly. “She’s on my property now.”
I begged him to reconsider, but his heart was as cold as stone.
I couldn’t believe this was the same man who’d helped me take Bailey to the vet when I found her on the street. I remember everything about that night very well.
The night that changed my life and introduced me to Adam.
View from inside a car on a rainy night | Source: Pexels
The rain poured in sheets, soaking everything in sight as I hurried through the park on my way home. Then I heard it: a faint whimper.
I stopped, squinting through the downpour, and saw a small, trembling figure under a bench.
“Oh my God,” I whispered, crouching down.
A tiny golden retriever puppy, drenched and shivering, stared up at me with pleading eyes.
“Hey, sweetheart,” I murmured, gently scooping her up.
Her body was cold and frail, and my heart broke for her. I didn’t know what to do. I stood there in the rain with no idea how to help her.
That’s when Adam appeared.
A man standing in the rain | Source: Midjourney
“Need some help?” a voice called out, startling me.
I turned to see a man jogging toward me, holding an umbrella. His hair was plastered to his forehead from the rain, but he smiled warmly, his gaze flicking to the puppy in my arms.
“She’s freezing,” I said, my voice shaky. “I don’t know where to take her.”
Adam didn’t hesitate. “Come on, let’s get her to a vet. My car’s just over there.”
I hesitated for a moment, but the urgency of the situation and his kind demeanor convinced me.
“Okay,” I whispered. “Thank you.”
A woman standing in the rain | Source: Midjourney
He held the umbrella over us as we ran to his car, where I carefully settled the puppy on my lap.
During the drive, Adam chatted to calm my nerves, asking about the puppy and where I’d found her.
At the vet clinic, we worked together to get Bailey the care she needed. The vet examined her and gave her some warm blankets.
“She’s malnourished, but nothing a bit of love and care won’t fix,” the vet reassured us.
A puppy | Source: Pexels
Adam turned to me with a grin. “Looks like you’ve got yourself a new friend.”
I smiled back, relieved. “I think you’re right.”
After the visit, Adam drove me home. As we pulled up to my apartment, he turned to me and said, “If you need anything for her like supplies, advice, or anything else… just give me a call, okay?”
He handed me his number, and I thanked him for his help.
Over the next few weeks, Adam and I stayed in touch.
A woman using her phone | Source: Pexels
He checked in on Bailey, offering tips on puppy care and even stopping by to drop off supplies. It didn’t take long for our friendship to grow into something more.
When we started dating, he made it clear he adored Bailey. Or at least that’s what I thought.
He played fetch with her, snapped photos, and even talked about how much fun it would be to have a family someday. I was smitten, both with him and the idea of building a life together.
We got married the following year.
A couple holding hands on their big day | Source: Pexels
I moved into his house with Bailey, thinking I’d found my happily ever after. At first, everything seemed perfect. But as the months passed, I started noticing cracks in Adam’s charming facade.
With time, I realized he was not the man he’d pretended to be.
It’s not like I didn’t try to save our marriage. I did. I confronted him so many times, and he’d make empty promises to change, but nothing ever improved.
By the time I filed for divorce, I was emotionally drained. Leaving felt like my only option.
A woman standing with her hand on her head | Source: Pexels
And then he kicked me out, refusing to give Bailey back to me. What I didn’t know was that he’d already decided to get rid of her.
He took Bailey to a shelter and dropped her there. I couldn’t believe it when he told me that.
“How could you do this?” I yelled at him over the phone. “Are you being for real, Adam?”
He just laughed and hung up, unaware of how he’d soon regret his decision.
A man holding his phone | Source: Pexels
Over the next few days, I couldn’t stop picturing her curled up in a corner, wondering why I wasn’t there. I made it my mission to find my little girl, no matter what I had to go through.
I scoured every animal shelter within a hundred miles, calling, emailing, and visiting in person, armed with pictures of her sweet golden face.
Each day without her felt like another layer of heartbreak, but I refused to give up. When it became clear that the search was beyond my reach, I hired a private investigator, John.
A man taking notes | Source: Pexels
“Lost pets aren’t my usual line of work,” he said when we first met. “But I’ve got a soft spot for dogs. I’ll find her for you.”
Weeks stretched into what felt like an eternity. I tried to stay hopeful, but each passing day without news felt heavier than the last. Then, one day, my phone rang.
“Ma’am,” John said, “I found your dog!”
My breath caught. “You… you found her? Where is she?”
A woman talking on the phone | Source: Midjourney
“She’s safe, but that’s not all,” he continued. “There are some facts that will help you win this divorce and leave your husband with nothing. Listen to me carefully.”
I gripped the phone tightly, my heart racing.
He outlined his plan to help me get Bailey back and hinted at something much bigger brewing beneath the surface. But for now, his focus was on reuniting me with my fur baby.
A dog sitting near water | Source: Pexels
“The shelter’s an hour away,” he said. “They have her on record, but she’s been adopted. You’ll need to talk to them to get the details on the new owners.”
I didn’t waste a second. Grabbing my keys, I drove straight to the shelter, hope and anxiety swirling inside me.
When I arrived, the woman at the front desk handed me a file. Inside was a photo of Bailey, her soulful eyes staring back at me.
A woman looking at a photo | Source: Midjourney
“She was adopted last week by a couple,” the woman explained. “We can’t give you their address, but we can pass along a message if you’d like.”
“Please,” I said, my voice trembling. “Tell them I’d like to meet and explain everything.”
A few days later, I got a call from the couple. They agreed to meet me at a coffee shop, and when I arrived, my nerves were in overdrive.
A cup of coffee on a table | Source: Pexels
Sitting across from them, I poured out my story, my voice breaking as I recounted how Bailey had come into my life and how much she meant to me.
“She’s not just a dog,” I said, tears pooling in my eyes. “She’s my family.”
The couple listened intently, glancing at each other with knowing looks. Finally, the woman reached across the table and touched my hand.
“We can see how much you love her,” she said softly. “And as much as we’ve grown attached to her, we know she belongs with you.”
A woman talking to another woman in a coffee shop | Source: Midjourney
I was speechless. Gratitude and relief washed over me as they handed over Bailey’s leash and paperwork.
When I reunited with Bailey, her tail wagged furiously, and she barked as if to say, “What took you so long?”
I hugged her tightly, promising her that she’d never feel abandoned again.
But the surprises didn’t stop there.
During my phone call with John, he told me he’d uncovered a gold mine of deceit after digging into Adam’s finances.
A stack of coins | Source: Pexels
Turns out, Adam had been hiding assets during the divorce, including a luxury home he’d purchased under his mother’s name to keep it off the marital records.
I hired an accountant to review his financials, and the findings were damning. The down payment for the house came from our joint marital account, and the mortgage was being paid from our marital funds.
When we submitted all the documents and facts to the court, my husband called. “JUST LEAVE ME ALONE! Let me live my life!” he spat. But I didn’t listen to him. I just told him that I had turned on the voice recorder on my phone and he hung up.
A woman standing in a court | Source: Midjourney
The judge didn’t take kindly to his attempts at deception. He was penalized heavily, and I was awarded a significant portion of the house’s value.
Guess what did I do with the settlement? I bought a cozy little house with a big yard for Bailey.
She now spends her days chasing squirrels and rolling in the grass, while I just look at her with pride and gratitude.
Every night, as she curls up beside me, her steady breathing reminds me of what truly matters. Even when life unravels, love and a little resilience can stitch it back together stronger than before.
A woman with her dog | Source: Midjourney
If you enjoyed reading this story, here’s another one you might like: When Claire’s husband of eight years accidentally sends her a screenshot exposing his affair, her world shatters. But instead of crumbling, she teams up with an unlikely ally, his mistress, Mia. Together, they orchestrate the ultimate revenge…
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!
Leave a Reply