Being a radio host who gives dating advice doesn’t make navigating love any easier—especially when I crashed my best friend’s first date dressed as a clown. What happened that night was unexpected, and now I’m caught in a situation I never saw coming. Sometimes, life takes you where you least expect.
Once again, I found myself in Lucy’s cozy kitchen, she animatedly talked about yet another man who had caught her attention. Lucy’s love life was always buzzing with activity, unlike mine.
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Finding a partner wasn’t easy for me—I didn’t want to date just to avoid being alone.
I believed it was better to wait than to settle, even if that meant coming home to my cat instead of a husband.
“He’s perfect!” Lucy said, pulling me out of my thoughts. “We’ve been texting nonstop. He’s so sweet. I think he might be different.”
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“So, you haven’t actually met him yet?” I asked, raising an eyebrow.
“Not yet, but we’re meeting Friday. I’m so excited. I can feel this is going to be great!” she said.
I smirked without meaning to.
“What’s that look for?” she asked, narrowing her eyes.
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“Nothing. It’s just… you don’t even know him yet. People can seem amazing online but be completely different in real life,” I said.
“You’re so distrustful. That’s why you don’t have a man,” Lucy replied, crossing her arms.
“I don’t have a man because men are idiots,” I said with a shrug.
“Not Mike. He’s wonderful. I think he might even be the one,” she said.
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“Listen to your heart,” I replied. That was my go-to advice, though Lucy said it about every guy she met.
After that evening, I forgot about Mike and Lucy’s upcoming date—until Friday arrived, and I received a message from her.
There I was, dressed as a clown, surrounded by kids—my niece’s friends—because my brother had forgotten to hire an entertainer for her birthday party.
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The striped clown suit was too tight, and the red wig itched like crazy. I could feel sweat dripping down my back as kids tugged at my oversized shoes and poked my sides.
“Well, you can do it,” my brother had said, as if asking me to juggle balloons and make kids laugh was no big deal.
“I’m a radio host, not an entertainer!” I snapped.
“It’s basically the same thing,” he replied with a grin.
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Even though I wanted to storm out, we both knew I wouldn’t. I always stepped in for family, no matter how ridiculous the request.
As I tried to keep the kids from snatching my wig, my phone buzzed in my pocket. I quickly checked it, careful to keep my clown nose in place.
@Lucy
When will you be free???
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@Me
About half an hour
@Lucy
I need your help!!!!
@Me
What happened??
I frowned. Lucy was on her date with Mike. Had something gone wrong?
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@Lucy
I don’t know if Mike likes me! I need you to find out!
@Me
How am I supposed to do that?
@Lucy
You do this all the time on your radio show!
@Me
I’m in a clown costume!!!
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@Lucy
Pleaseeeeeee
@Me
Fine, but you owe me.
@Lucy
Thank you thank you thank you!!!!!!!
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I sighed, stuffing my phone back into my pocket. After peeling off the kids and saying goodbye, I messaged Lucy for the location and called a cab.
When I walked into the dimly lit bar, Lucy spotted me instantly and waved enthusiastically.
I hesitated, adjusting my ridiculous clown wig as a group of strangers gave me confused looks. Taking a deep breath, I made my way to their table.
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Lucy beamed as I sat down. “Mike, this is Trish, my best friend,” she said.
“Nice to meet you,” Mike said. His eyes briefly flicked to my bright red nose.
“Hi,” I replied, trying to ignore how ridiculous I looked.
Lucy launched into small talk, but the conversation quickly shifted. Mike mentioned a classic movie, and I couldn’t help but jump in.
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“You’re into old films?” I asked, intrigued.
“Big time,” Mike said, his face lighting up.
We exchanged favorite titles, diving into directors and scenes. Lucy fidgeted, looking uninterested. I tried to change topics, but Mike kept steering it back.
When Lucy excused herself, I leaned in. “So, what do you think of Lucy?” I asked.
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“Um… I mean, she’s cute,” Mike said, glancing away like he wasn’t sure how to answer.
“Nice? Lucy is more than cute. She’s amazing,” I said, my voice firm. “She’s funny, smart, and a great cook. I go to her place for dinner sometimes because I can’t stand cooking.”
“I love cooking,” Mike said, smiling a little.
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“See? You two already have something in common,” I said, trying to be encouraging. But then he looked right at me.
His eyes seemed to study mine, and for a moment, I felt something strange. It was like a spark, something unexpected. My cheeks got warm, and I quickly smiled back.
“But I don’t want to argue over who cooks dinner,” Mike said, breaking the moment. “There should only be one chef in the kitchen.”
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I laughed. “So, you’re the chef?” I asked, raising an eyebrow.
“Always,” he said with a grin, and we both laughed.
Just then, Lucy returned to the table. “What’s so funny?” she asked, looking between us. “Were you talking about me?”
“Sort of,” I said.
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Mike’s phone buzzed, and he excused himself to take the call. The moment he left, Lucy turned to me eagerly. “So? What does he think of me?”
“He thinks you’re cute,” I said carefully. “What do you think of him?”
“I don’t know,” she said, her brow furrowing. “Watching you two, I feel like he’s more your type.”
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“Pfft. What? No. What? No,” I stammered.
“Not very convincing,” she said with a smirk.
“It doesn’t matter. He’s your date,” I said firmly. “There’s a rule—never go after your friend’s guy.”
“It’s just a first date,” Lucy said with a shrug. Then she smiled. “But I’m glad you reacted like that—I think I really like him.”
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I smiled back, but deep down, something felt off. A tiny pang of sadness hit me, and I wasn’t sure why.
We stayed a bit longer, and I tried to shift the focus so Mike and Lucy could talk.
But every time I said something to steer the conversation, Mike directed his answers back to me. It was hard not to notice, and Lucy didn’t seem thrilled.
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When we decided to leave, Lucy headed to the restroom again, leaving me alone with Mike. The night air was cool, and I shivered a little.
“So, do you work as an entertainer?” Mike asked, his tone light.
“Why do you ask?” I replied, narrowing my eyes playfully. Then I saw him glance at my outfit, and it hit me. “Oh, no! I host a radio show. Dating advice, mostly. My niece had a birthday party, and my brother forgot to hire an entertainer.” I gestured to my clown costume with a sheepish smile.
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“Well, that’s bold of you,” Mike said, grinning.
“It was fine until the kids tried to tear my costume apart. They’re little savages,” I joked.
Mike laughed. “Kids can be wild. They’ve got endless energy.”
“Yeah, but they mean well,” I said.
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He paused. “Listen, Trish…” he began, his voice softer, but before he could finish, Lucy appeared.
“Want to walk me home?” she asked him brightly. “I live close by.”
“Of course,” Mike said, stepping toward her.
He turned back to me, and we both hesitated. He went for a hug while I offered a handshake, and we ended up with an awkward high five.
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It made us laugh, but as they walked away, I felt something strange, a little twist in my chest.
The next few days passed quietly. Lucy didn’t say much about Mike, which was unusual for her.
She only mentioned that he hadn’t wanted to come up to her apartment after their date.
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She shrugged it off, but I could tell she wasn’t thrilled. I didn’t press her for details.
One morning, as I was sipping my coffee, my phone buzzed. It was a text from an unknown number.
@Unknown
Hey 🙂 It’s Mike. I know this is weird, but would you like to meet up sometime?
I stared at the screen, my stomach flipping.
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@Me
How did you get my number?
@Unknown
Secret 😉 So, what do you think?
I frowned, trying to steady my thoughts.
@Me
Sorry, I don’t go on dates with men my friends like.
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@Unknown
Lucy and I only had one date. But I haven’t felt a connection like this in years—with anyone. Not until I met you.
My chest tightened. I stared at the words longer than I should have.
@Me
Sorry, but no.
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I set my phone down. Saying no felt like the right thing, but his words lingered, leaving a knot I couldn’t untangle.
I tried to shake it off and focus on work. During my radio show, I put on my usual cheerful voice, pretending my own heart wasn’t a mess.
“Hi, this is Trish. How can I help with your love troubles?” I said, wishing someone could help with mine.
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“Hi,” a man’s voice said, calm and familiar. “I don’t date much. It’s hard for me to find a connection with someone. But recently, I went on a date with one woman. Her friend showed up in a clown costume. And, well, with the friend, I felt something I haven’t felt in years—maybe ever.”
I froze. My heart skipped a beat. It was Mike.
“But she won’t go out with me. She says it’s wrong. I don’t know what to do,” he said. “I really like her.”
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My mouth went dry. “Maybe you should listen to her and let it go,” I managed, my voice unsteady.
“She’s unforgettable. The kind of person who stays with you for a lifetime,” he said softly.
I smiled, caught off guard. “You probably just think that because she was wearing a clown costume,” I said, my tone lighter.
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“I’d remember her no matter what she wore,” he replied without hesitation. “So, will this girl go out with me?”
I hesitated, feeling torn. “I’m afraid that’s impossible,” I said quietly.
Before I could say more, my producer buzzed in. “Take the next call—it’s important,” she said.
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I switched lines. “Go out with him! You have my blessing!” Lucy yelled through the line. I blinked, stunned. “Finally, a guy you like!”
“But you like him,” I stammered, realizing we were still live.
“Not really. He likes you,” Lucy said.
“It’s not right,” I protested weakly.
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“Forget right or wrong. Listen to your heart. You always say that to others. Take your own advice for once,” Lucy urged.
“So, what do you say?” Mike’s voice came back, gentle but insistent. “Her friend gave her blessing.”
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I sighed, my walls crumbling. “Yes,” I whispered.
The sound engineer played an applause track, and I couldn’t help but laugh. My face burned as I blushed, feeling completely exposed—but strangely happy.
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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: Attending my daughter’s wedding was supposed to be a joyful moment, but facing my ex-husband and his new wife turned everything upside down. Old wounds resurfaced, and new betrayals came to light. I thought I’d left the past behind, but this trip forced me to confront truths I wasn’t ready to face.
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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