This story has a basis in reality. The first two paragraphs are totally realistic; and out neighbors did have their deck redone.
*
This morning, Linda was at the kitchen sink rinsing out the breakfast things to put them away in the dishwasher, when I snuck up behind her and started rubbing her back and her shoulders. "Mmmmmmm," I heard her purr as she put the plates down, turned off the water, and put her hands on either side of the sink, palms down. I massaged her neck muscles with my thumbs, then switched to scratching her back with my fingernails. I was rewarded by feeling her shudder with pleasure as I saw goose bumps on her arms. I leaned forward and planted several kisses at the nape of her neck, then below the left ear, finally licking her earlobe and sticking my tongue in her ear. She gave a little giggle of approval.
So far, nothing out of the ordinary. These were all routine actions, simply proving that I still found Linda attractive after thirty years of marriage and that I might not be averse to a little hanky-panky. In return, she might send me a signal, which could range from, "Not now, dear, I'm busy," to "Later, perhaps," to "Mhm, good idea."
This time the signal was unmistakably, "Mhm, good idea." She raised herself on tiptoes and backed into my body, positioning the crack of her bubble butt at the height of my crotch and wiggling to see if she could feel my erection -- or, if not, get it started. My cock, which was already at half mast (why do you think I was rubbing her back, anyway?), rose rapidly and Linda sighed with contentment.
We were both still in our pajamas -- that is, we both had on pajama jackets and underpants. Our tops were both simple non-iron cotton; her panties were a little beige nylon thing trimmed with lace and mine were satin boxer shorts. We are both retired and have developed a morning routine of leisurely breakfast, followed by a shower -- usually separately -- and getting going in a leisurely way. Today felt like it could be more rather than less leisurely, as Linda's wriggling became more pronounced and my hands snaked their way under her arms to her full breasts. My cock was fully hard by now, in anticipation of the shower we'd be taking together in a few minutes.
As my left hand pried open the middle button of her top and dived under it to encounter the flesh of her right tit, squeezing gently on her already eraser-like nipple, Linda reached down to her panties with her right hand, getting her middle finger in position to penetrate her outer lips to her clit. I moved my free hand to her other tit, fondling her gently while teasing her erect nipples. Then she suddenly froze, put both hands on mine, and tried to pull them away.
I resisted, saying, "What's the matter?"
"Look!" She pointed with her chin.
I looked out the window above the sink. Uh-oh: there were two workmen on our neighbors' deck to the south, pulling up the floorboards. They hadn't spotted us. I could see where Linda was coming from: from an uninhibited single woman thirty years ago, she had become quite conservative after we had kids and settled into suburbia. Lately, though, I had detected a certain loss of inhibition, especially during our pillow talk. I decided to test how far she might go, so I kept my hands where they were, resisting her tugging.
"There are workers in the Halls' back yard. So what?"
"They can see us!"
"They're not even looking. And so what, even if they looked?"
That silenced Linda. I could almost hear the gears clicking in her brain as she mulled the possibility. I heard a faint sigh as her right hand left mine and moved back inside her panties. She wriggled her ass, nestling my cock more comfortably in the crack. I was getting really hard now, my shiny round purple knob pushing out from the foreskin, lubricated by a tiny drop of moisture.
I used my right hand to unbutton her top button and she moved undid the lowest one. Now her top was hanging loosely down her sides and her nicely shaped breasts were visible to anyone who looked in, hidden only partly by my caressing hands. Her right hand became more insistent inside her panties.
My hands left her tits and worked their way down to the flimsy slip of beige material covering her hand, and underneath it, her neatly trimmed bush. She put her hands to either side of the sink, bracing herself for what she knew was coming. "You shouldn't. . . " she whispered as I started pulling her panties down her legs. But when they reached the floor, she stepped out of them without hesitating. "Oooooh, no, what will they think?" she continued.