### Chapter 1: The Bet That Started It All
It was a humid Saturday night, July 14, 2024, the kind where the air clung to your skin like a sweaty handshake. Jack, a broad-shouldered dad with a salt-and-pepper beard, sat slouched on the worn leather couch in the living room, nursing a lukewarm beer. He wore a faded Metallica T-shirt, the black fabric stretched tight over his gut, and a pair of gray sweatpants that sagged low on his hips, showing the elastic waistband of his plaid boxers. Across from him, sprawled on the recliner, was Ryan--his son's wiry, cocky school friend. Ryan, 18 and full of swagger, had a mop of dark hair and a smirk that never quit. He was in a tight white tank top, showing off lean arms, and ripped blue jeans that hugged his thighs.
The TV blared a football game--Jack's team was losing, badly. "Fuckin' assholes can't catch a damn ball," Jack grumbled, slamming his beer on the coffee table. Ryan chuckled, twirling a vape pen between his fingers. "Told you, man. Should've bet on my team. What's it gonna be, huh? You owe me."
Jack snorted, too stubborn to back down. "Double or nothing, kid. I ain't paying you shit yet." That's when Sarah stormed in from the kitchen, her bare feet slapping the hardwood. Jack's wife was 42, with curves that still turned heads--full tits straining against a red tank top, no bra, nipples faintly visible through the thin cotton. Her denim shorts were frayed at the hem, clinging to her thick thighs, and her blonde hair was pulled into a messy bun, strands sticking to her flushed neck. She was pissed.
"Jack, you're not fucking betting again!" she snapped, hands on her hips. "You lost fifty bucks last week to this little shit!" Ryan grinned wider, eyeing her up and down, not even hiding it. Jack waved her off. "Relax, babe. I got this." But he didn't. The game ended 28-10, and Jack's team ate dirt.
Ryan leaned forward, elbows on his knees. "Pay up, old man. Or..." His eyes flicked to Sarah, lingering on her chest. "How about her? One night with me if you lose again. Bet's on the table." Sarah's jaw dropped, her green eyes flashing. "Excuse me? What the fuck, Jack? Tell him to get out!" But Jack, drunk on bravado and beer, laughed. "Fine, kid. One more bet. She's mine anyway--you ain't got a chance."
Sarah stormed off, slamming the bedroom door. The next game started. Jack lost. Ryan stood up, stretching, his tank top riding up to show a strip of tanned skin above his jeans. "Guess I'll collect tomorrow night," he said, winking at Jack before sauntering out. Jack sat there, stunned, dick half-hard at the thought, even as guilt gnawed at him.
That night, in bed, Sarah wouldn't even look at him. She wore an oversized gray T-shirt and black panties, her back to him under the sheets. "You're a fucking idiot," she hissed. Jack reached for her, sliding a hand up her thigh. She smacked it away. "Don't touch me." But his fingers lingered, brushing the edge of her panties, and she didn't stop him this time. He slipped a thick digit under the fabric, finding her pussy already wet despite her anger. "You're mad, but you're dripping," he muttered, stroking her clit slow and firm. She bit her lip, glaring at the wall, but her hips rocked against his hand. He fingered her hard, two fingers plunging deep, until she came with a stifled groan, soaking his palm. "Fuck you," she whispered, rolling away. Jack grinned, licking his fingers clean.
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### Chapter 2: Ryan Shows Up
Sunday, July 15, 2024. Sarah was still fuming, stomping around the kitchen in a white sundress that hugged her tits and flared out over her hips, the hem brushing mid-thigh. No bra again--her nipples poked through when the AC kicked on. She'd paired it with flip-flops, her toenails painted cherry red. Jack lounged at the table in a navy polo and khaki cargo shorts, pretending nothing was wrong, scrolling his phone.
The doorbell rang at 7 p.m. sharp. Ryan stood there, smirking, in a black muscle tee that showed off his biceps and dark green cargo pants slung low, a sliver of boxer briefs peeking out. "Evening, losers," he said, brushing past Jack. Sarah spun around from the sink, suds dripping from her hands. "Get the fuck out of my house," she spat. Ryan leaned against the counter, crossing his arms. "A bet's a bet, Sarah. Your man sold you out."
Jack shrugged, avoiding her glare. "He's right, babe. One night. Just... chill." Sarah's face went red. "You're both disgusting." But Ryan stepped closer, close enough she could smell his cologne--woodsy, sharp. "You're hot when you're mad," he said, voice low. She froze, dish sponge still in hand, as he reached out and grazed her bare arm with his fingertips. Her breath hitched, and Jack watched, jaw tight.
Ryan's hand slid to her waist, tugging her dress up an inch. "Let's start slow," he murmured. Sarah slapped his hand away, but her eyes lingered on his crotch, where a bulge was already forming. "Fuck off," she said, but her voice wavered. Ryan chuckled, stepping back. "Fine. Kitchen's boring anyway. Where's the bedroom?"
Jack stood up, fists clenched, but Ryan ignored him, heading down the hall. Sarah followed, yelling, "This isn't happening!"--but she didn't stop him. In the bedroom, Ryan flopped onto the king-sized bed, kicking off his sneakers. Sarah stood in the doorway, arms crossed, dress riding up slightly to show the edge of her white lace panties. Jack trailed behind, muttering, "This is bullshit."
Ryan patted the bed. "C'mon, Sarah. Let's see what you've got." She glared, but something shifted--anger mixing with curiosity.
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### Chapter 3: The Tension Breaks
The bedroom was dimly lit, just the glow of a bedside lamp casting shadows across the rumpled navy comforter. Ryan lay back on the bed, propped on his elbows, his black muscle tee riding up to expose a thin trail of dark hair disappearing into his cargo pants. His bare feet dangled off the edge, socks balled up on the floor. Sarah stood rigid in the doorway, her white sundress wrinkled from pacing, the lace of her panties still peeking out. Jack hovered behind her, his navy polo untucked, a mix of anger and something darker flickering in his eyes.