### 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.
"Sit down, Sarah," Ryan said, patting the bed again, his voice smooth but edged with challenge. "You're making this harder than it needs to be." Sarah's fists clenched, cherry-red nails digging into her palms. "I'm not your fucking toy," she snapped, but her feet moved anyway, stepping closer despite herself. Jack growled low in his throat, "Watch it, kid," but he didn't move to stop her.
She perched on the edge of the bed, as far from Ryan as possible, her thighs pressed tight together under the dress. Ryan smirked, sitting up fully now, his knee brushing hers. "See? Not so bad." He reached out, slow and deliberate, and ran a hand up her bare calf. Sarah flinched, but didn't pull away. "Don't," she muttered, glaring at him. His fingers kept going, tracing the curve of her knee, then sliding higher, under the hem of her dress.
Jack shifted, his cargo shorts tenting slightly despite his scowl. "You're pushing it," he said, voice rough. Ryan ignored him, his hand now on Sarah's inner thigh, inches from her panties. "She's not stopping me," he said, eyes locked on hers. Sarah's breath hitched, her chest rising fast, nipples hard against the thin fabric of her dress. "Fuck you both," she hissed, but her legs parted just a fraction.
Ryan took the invitation, slipping his fingers under the lace, finding her pussy already slick. "Shit, you're soaked," he muttered, grinning. He rubbed her clit with his thumb, slow circles, while his middle finger teased her entrance. Sarah gripped the comforter, knuckles white, her face a mix of fury and something else. "You little bastard," she spat, but her hips twitched toward his hand. Jack stepped closer, looming over them, his dick straining against his shorts now. "Sarah, you don't have to--" he started, but she cut him off with a sharp, "Shut up, Jack."
Ryan slid a finger inside her, then two, pumping slow and deep, his thumb still working her clit. Sarah's head tipped back, a low moan escaping despite her clenched jaw. Jack watched, frozen, as Ryan finger-fucked his wife, her pussy making wet, obscene sounds. She came hard, sudden and shuddering, soaking Ryan's hand. He pulled out, licking his fingers with a smug, "Tastes better than I thought."
Sarah slapped him--hard--leaving a red mark on his cheek. "Asshole," she panted, but her eyes were wild, pupils blown. Ryan just laughed, rubbing his face. "Worth it."
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### Chapter 4: Jack's Turn
July 15, 2024, stretched into the late hours, the clock on the nightstand glowing 10:23 p.m. Sarah sat there, chest heaving, her sundress bunched around her hips, white lace panties damp and skewed to one side. Ryan lounged back, wiping his hand on his cargo pants, the bulge in them impossible to ignore now. Jack stood over them, his polo soaked with sweat under the armpits, his khaki shorts unzipped halfway from adjusting himself.
"You liked that, huh?" Ryan said, smirking at Sarah. She glared, smoothing her dress down, but her thighs were still trembling. "Fuck off," she muttered, voice shaky. Jack finally snapped, grabbing Ryan by the collar of his muscle tee and yanking him up. "Enough, you little prick. This is my wife." Ryan stumbled to his feet, hands raised, but that damn smirk stayed. "She came on my fingers, man. You saw it."