For two years, Elena replayed the last words her son said before he mysteriously vanished. She clung to hope for a sign he was still out there. Then one day, she found it — a bracelet she’d made for him, now on a stranger’s wrist. That discovery brought her closer to the answers she longed for.
The faint scent of lavender clung to Elena’s coat, a reminder of the fabric spray she’d spritzed on before leaving her hotel room. She sat by the café window, staring at the misty drizzle streaking the glass. This new city wasn’t home; it never had been. She was here on yet another last-minute business trip. Normally, she could distract herself with work, but today her thoughts wouldn’t settle.
They were stuck on Aaron. It had been two years since her son vanished. No goodbye, no explanation… just gone.
An emotional senior woman lost in deep thought | Source: Midjourney
He was 20 when he left, an age when he should have been figuring out life, not running from it.
The only thing he left behind was haunting silence.
And Elena? She was left with sleepless nights and memories that cut sharper with every passing day. She’d looked for him everywhere, even on social media. But in vain.
Grayscale shot of a young man walking on the road | Source: Pexels
Her phone buzzed with another message from her sister Wendy. “Any news?” she asked, like clockwork. Every morning, same question, same hope.
“Nothing,” Elena typed back, her fingers trembling slightly. “Just another day of wondering if he’s even alive.”
“He is,” Wendy replied instantly. “You’d know if he wasn’t. A mother always knows.”
A teary-eyed woman holding her phone | Source: Midjourney
Elena closed her eyes, remembering the last conversation they’d had before he disappeared. “I’m going out,” Aaron had said, casual as ever. “Don’t wait up.”
“Text me when you get home,” she’d called after him.
“I will, Mom. I will.”
But he never did. That text never came.
On her nightstand back home, there was a picture of him at ten, his face beaming with pride as he showed off the bracelet she’d made for him. Blue and green leather braided tightly, with a small silver charm etched with his initial.
A blue and green braided leather bracelet bearing an initial in a heart-shaped ornament | Source: Midjourney
She remembered tying it around his little wrist, telling him, “It’s one in a million. Just like you.”
“Really, Mom?” he’d asked, eyes sparkling. “You mean that?”
“With all my heart, sweetie. You’re the best thing that ever happened to me.”
And now? Two years without him, and all she had left were those words echoing in her head.
A soft clink of plates pulled Elena out of her thoughts. The waiter set her order down — a plate of eggs and toast she’d barely looked at on the menu. The warm smell of coffee and pastries filled the air, but her appetite was nowhere to be found.
A plate of egg and toast on a table | Source: Pexels
She picked at the crust of the toast, her mind wandering. Where is he? Is he safe? Does he even know how much I love him?
The sound of footsteps brought her back again. The waiter, a young man with a friendly smile, returned with the bill. She handed him her card without looking up. But as he reached for it, something caught her eye.
A bracelet.
Braided blue and green leather with a small silver charm.
Her breath hitched. “It’s… Oh my God, it’s the SAME BRACELET — AARON’S.”
A man wearing a leather bracelet | Source: Midjourney
She stared, her hand trembling. “Where… where did you get that?” Her voice barely made it past the lump in her throat.
The waiter paused, looking at his wrist. “Oh, this?” He laughed nervously. “It was a gift.”
Her heart raced. “From who?”
His smile faded, replaced with confusion. “My fiancé.”
The room felt like it had tilted. Elena clutched the edge of the table, her voice trembling. “Who is he? What’s his name?”
“Ma’am, are you okay?” he asked, genuine concern in his voice. “You’re shaking.”
An anxious man | Source: Midjourney
“That bracelet,” she whispered, reaching out to touch it but stopping herself. “I remember every knot and every thread. I spent hours making it perfect because… because he deserved perfect.”
The man’s brows knitted together defensively. “I don’t see why that’s any of your business.”
She pointed at the bracelet, her voice cracking. “Because I made that. FOR MY SON.”
A silence fell between them, heavy and uncertain.
The waiter — Chris, his name tag read — studied her, his face shifting from confusion to realization. “Wait,” he said slowly, “you’re Adam’s mom?”
Elena stared at him, hardly able to breathe. “Adam? No, my son’s name is Aaron. You know my son?”
A woman shaken to her core | Source: Midjourney
The waiter shook his head. “No. But he told me he left everything behind, including his name. I… I never knew why. And he doesn’t go by Aaron anymore. He’s Adam now.”
The name hit her like a slap. Adam. Why would he change his name? Why would he leave his life behind?
“Why?” Elena whispered. “Why would he do that?”
“Please,” she begged, “I need to understand. Every night for two years, I’ve imagined the worst. Car accidents, kidnapping, murder. Do you know what it’s like to wake up every morning wondering if your child is dead?”
A shocked woman | Source: Midjourney
Chris glanced around, lowering his voice. “Look, I don’t know everything. He’s never talked much about his past. But he said… he said he didn’t think you’d accept him.”
“Accept him? For what?”
Chris shifted uncomfortably, then glanced at his wrist. “For me. For us.”
“Us?” she repeated, the word heavy on her tongue. “You mean…”
“We’re engaged,” Chris said softly, touching the bracelet. “He gave me this the night I proposed. Said it was the most precious thing he owned.”
A man flaunting his engagement ring | Source: Pexels
The words landed like bricks, crushing and unrelenting. All the tiny moments she’d overlooked over the years came rushing back: Aaron hesitating before telling her about certain friends, dodging questions about who he spent time with. Her heart twisted. He’d been scared. Scared of her.
“All those times,” she whispered, more to herself than Chris. “All those times he started to tell me something important, then changed the subject. Was he trying to…?”
Chris nodded gently. “He told me that he’d tried to tell you many times. But the words wouldn’t come. He was afraid.”
Tears blurred Elena’s vision. “I didn’t know,” she whispered. “I never knew he thought that.”
A heartbroken woman | Source: Midjourney
Chris’s eyes softened. “He doesn’t talk about it much, but it’s clear he’s still carrying that fear. Look, I’m not trying to make you feel bad… he loves you, in his own way. He kept this bracelet with him all the time before he gave it to me. It means something to him.”
“Did he ever…” she swallowed hard. “Did he ever talk about me?”
“All the time. He keeps your photo in his wallet — the one of you holding him on his first birthday. Sometimes I catch him looking at it when he thinks I’m not watching.”
Grayscale shot of a mother holding her child | Source: Pexels
The room felt like it was closing in on Elena. “Please,” she said, clutching Chris’s arm. “Tell me where he is. I just want to see him. I need to tell him…” Her voice faltered. “I need him to know I love him. No matter what.”
Chris hesitated. “He might not be ready for that.”
“Please. Two years, Chris. Two years of empty holidays, of setting a place at the table just in case, of jumping every time the phone rings. I can’t do it anymore.”
A hesitant man | Source: Midjourney
After a long pause, he sighed and pulled out a receipt, scribbling an address. “He’s scared, but… maybe this will help him, too.”
Elena clutched the address in her hand, standing outside a modest brick apartment building. The soft hum of the city filled the air, but it was drowned out by the sound of her heartbeat.
She stared at the buzzer. Her hand hovered over the button for Apartment 3B. What if he didn’t want to see her? What if he told her to leave?
A woman standing outside an apartment | Source: Midjourney
Her phone buzzed again. “Did something happen?” Wendy asked. “You’ve been quiet all day.”
“I found him,” Elena typed back, hands shaking. “Wendy, I found him.”
“Oh my God,” she replied instantly. “Where are you? Do you need me there?”
“No,” Elena wrote. “This is something I need to do alone.”
Before she could talk herself out of it, the door creaked open.
He stood there, looking at her like he was seeing a ghost. His hair was longer, his face thinner. He wasn’t a boy anymore. Before her stood a man, carrying an exhaustion and wisdom far beyond his age. But his eyes — those brown eyes that used to light up with mischief — were still the same.
“MOM?”
A stunned man standing at the doorway | Source: Midjourney
“You kept the photo,” she blurted out, remembering what Chris had said. “The one from your first birthday.”
Aaron’s hand instinctively went to his back pocket, where his wallet sat. “How did you…?”
“Chris,” Elena said softly. “He told me everything.”
Tears streamed down her face. “Aaron,” she said, choking on the name. “Or Adam. Whatever you want to call yourself. I don’t care. I just… I need you to know I love you. I always have.”
A heartbroken senior woman | Source: Midjourney
He blinked, his face crumpling. “You don’t… you don’t care?”
“Care?” She stepped closer, her voice breaking. “The only thing I care about is that you’re alive, that you’re safe. Do you know how many times I called hospitals? Morgues? How many times I walked past homeless people, wondering if one of them was you?”
She reached for his face, touching it gently, making sure he was real. “I don’t care who you love. I don’t care where you’ve been. I just want my son back.”
“But I’m different now,” he whispered. “I’m not who you wanted me to be.”
A sad man with his eyes downcast | Source: Midjourney
“You’re exactly who you’re supposed to be. And I’m so sorry if I ever made you feel like you couldn’t tell me that.”
For a moment, he stood frozen. Then he threw his arms around her, burying his face in her shoulder. “I’m so sorry, Mom,” he sobbed. “I was so scared. I thought if you knew…”
“No, baby,” she whispered, holding him tight. “I’m sorry. I’m sorry you carried that fear alone.”
The next morning, Elena sat at their kitchen table, a mug of coffee warming her hands. Aaron sat across from her, his hand clasped in Chris’s. They looked happy, comfortable, and so clearly in love.
Two men holding hands | Source: Pexels
“So, wait,” Chris said, laughing. “You painted the cat?”
Aaron groaned. “I was six! It seemed like a good idea at the time.”
“In his defense,” Elena added, smiling, “the cat did look rather festive in purple.”
“Mom!” Aaron protested, but he was grinning. “I thought we agreed never to tell anyone about that!”
“Oh, sweetie,” she laughed, “I have years of embarrassing stories to catch up on. Chris needs to know what he’s getting into.”
A delighted woman | Source: Midjourney
Chris squeezed Aaron’s hand. “I think I already know exactly what I’m getting into.” He glanced at Elena. “And who I’m getting as a mother-in-law.”
She smiled, her chest lighter than it had been in years. The bracelet was back on Aaron’s wrist, glinting in the morning sunlight.
“You’re still one in a million, you know,” she said softly.
He reached across the table, his eyes full of emotion. “So are you, Mom.”
A man smiling | Source: Midjourney
“We have so much to catch up on,” she said, wiping away a tear. “So many moments to make up for.”
“We have time,” he said softly. “All the time in the world.”
And for the first time in two years, Elena believed it.
A woman looking up at someone and smiling | Source: Midjourney
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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