A poor boy assisted an elderly man in achieving his dream, unaware that his own life would be transformed the very next day

Most days after school, I would find something to do outside the trailer—anything to take my mind off things. But little did I know that at the age of 13, my life would change.

That day, I was tossing an old, deflated soccer ball at some bottles I’d set up like bowling pins. It wasn’t much, but it helped pass the time.

Then, out of nowhere, this shiny black SUV rolled up next to the trailer. The windows were tinted, and I stared at it for a second, wondering who on earth would come around here in something that fancy.

The door creaked open, and out stepped this old man, probably in his 70s or 80s, leaning on a cane but with a warm smile on his face. He waved.

“Hey there,” he said, slowly walking over. “Mind if I take a shot?” He pointed at the bottles I had lined up.

I blinked. “Uh, sure, I guess,” I said, not really sure what to make of him.

He chuckled. “Tell you what, let’s make it interesting. If I get a strike, I’ll ask you for a favor, and you can’t say no. But if I miss, I’ll hand you a hundred bucks. Deal?”

My eyes practically popped out of my head. A hundred bucks? I could almost hear the register in my brain ringing. “Deal,” I said quickly.

The man leaned down, picked up the deflated ball, and with a flick of his wrist, tossed it. The thing rolled straight into the bottles, knocking every last one down. I stood there, jaw dropped. No way.

The old man laughed, clearly pleased with himself. “Looks like I won,” he said. “Now, for that favor.”

I swallowed, curious. “What do you want me to do?”

“Come fishing with me tomorrow at the old pond,” he said, like it was the most natural thing in the world.

“Fishing?” I scratched my head. That was it? Seemed like a strange request, but definitely not as bad as I thought it would be. “Uh, okay, I guess. Let me just ask my mom.”

He smiled and nodded. “I’ll wait.”

I jogged back into the trailer, opening the door quietly. Mom was asleep on the couch, her chest rising and falling slowly. She’d had a long shift at the gas station the night before, and I didn’t want to wake her. I stood there for a moment, biting my lip.

“She won’t even know,” I muttered to myself. “I’ll be back before she notices.”

Decision made, I tiptoed back outside. “Alright, I’ll go,” I told the old man, hoping I wasn’t making a mistake.

“Great,” he said, smiling even wider. “We’ll meet tomorrow at dawn. Don’t be late.”

The next morning, the old man picked me up bright and early in his black SUV. We drove in silence at first, heading out of town. The place looked like no one had been there in years, the water was still, with tall grass growing around it. There wasn’t a single person in sight.

“Why here?” I asked, looking around as I grabbed the fishing rods he’d brought.

The old man smiled softly as he set up the gear. “This place… it means a lot to me,” he said, his voice quieter than usual.

We cast our lines into the water and sat side by side. We didn’t talk much for a while. But after about an hour, with no bites on the line, I couldn’t help but ask.

“So… why did you want to come here to fish?” I asked, curious.

The old man glanced at me, his smile tinged with sadness. “Years ago, I used to come here with my son. He was about your age then.” His voice softened even more.

“We were poor, just like you and your mother. Didn’t have much, but we always found time to come here. Funny thing is, we never caught a single fish, no matter how hard we tried.”

I looked at him. “Where’s your son now?”

He was quiet for a long moment, staring out at the water. I noticed his eyes filled with tears.

“He’s gone,” the old man finally said, his voice heavy. “He got sick. The doctors said he needed an urgent operation, but I didn’t have the money. I couldn’t save him.”

I felt my chest tighten. “I’m sorry.”

He shook his head, blinking back tears. “That’s when I promised myself I’d never be in that position again. I worked, I hustled, I built myself up so I’d never feel that helpless. But… I never had another child.”

I didn’t know what to say at first, but something inside me knew what he needed to hear. I stood up, walked over to him, and placed a hand on his shoulder.

“Your son’s watching you from heaven,” I said softly. “And one day, he’ll see you catch that fish. You just can’t give up.”

He smiled at me, tears still in his eyes. “Thank you, Adam. You remind me so much of him.”

Just then, the float on one of our rods dipped suddenly into the water.

“Hey, the float!” I yelled.

The old man’s eyes widened, and we both grabbed the rod at the same time, pulling hard. But as we yanked, we both lost our balance, tumbling into the pond with a loud splash. I gasped as the cold water hit me, and the old man surfaced beside me, laughing like he hadn’t in years.

“Well, this is one way to catch a fish!” he cackled, struggling to hold onto the rod while I helped pull him up.

We finally managed to drag the rod back to shore, and to our surprise, attached to the end was the biggest fish I’d ever seen. The old man jumped to his feet, soaking wet but grinning like a kid.

“We did it!” he shouted, throwing his hands up in triumph. “We actually caught one!”

I couldn’t help but laugh, watching him dance around like he’d just won the lottery. We were soaked to the bone, but in that moment, it didn’t matter.

Later, he drove me back to the trailer. As we pulled up, he turned to me, his face soft and filled with gratitude.

“Thank you, Adam,” he said, his voice thick with emotion. “Today meant more to me than you’ll ever know.”

I smiled back. “Thanks for taking me fishing. It was fun.”

He reached out and patted my shoulder, a tear sliding down his cheek. “Take care, son. And don’t give up on those dreams.”

With that, he drove off, leaving me standing there with a strange warmth in my chest.

The next day, there was a knock on our trailer door. I opened it to see a man in a suit standing there, holding a package.

“Adam?” he asked.

“Yeah, that’s me,” I said, eyeing the man suspiciously.

“I’m Mr. Johnson, Mr. Thompson’s assistant. He asked me to deliver this to you,” he said, handing over the package.

I opened it right there on the spot and inside was more money than I’d ever seen in my life. My jaw dropped. “W-what is this for?”

Mr. Johnson smiled kindly. “It’s for you and your mother. Enough to move into a proper house, and for her medical care—rehabilitation, so she can walk without pain. There’s also a provision for private tutors to help you prepare for college. Your education, including one of the best colleges in the country, will be fully covered.”

I couldn’t believe it. My head spun as I tried to process what he was saying. “But… why?”

“Mr. Thompson was very moved by you, Adam. He sees a lot of his own son in you. This is his way of saying thank you.”

Tears filled my eyes. I couldn’t speak, so I just nodded, overwhelmed by the kindness of a man who had once been a stranger but had now changed our lives forever.

Several months passed since that fishing trip. One afternoon, I came home to find a letter on the table, addressed to me. I recognized the handwriting instantly. My hands shook as I opened it.

“If you’re reading this,” the letter began, “then I’m already watching you from heaven with my son.”

I stopped, swallowing hard, and read on.

“The day after we went fishing, I had heart surgery. I didn’t survive, but that’s okay. Meeting you gave me more peace than I ever thought possible. You reminded me of my son and showed me there’s still joy in life, even after loss.

I’ve left you everything you need to succeed. Remember what you told me that day by the pond? You’ll catch that fish too—just don’t give up, right?”

I wiped a tear from my cheek, staring at the words. I could almost hear his voice again, and see him smiling next to me by the water.

Fifteen years later, I stood on the porch of the house I built for Mom, watching her laugh with my kids in the yard.

“You never gave up, Adam,” she said, catching my eye with a smile. “He’d be proud.”

“I think about him a lot,” I admitted, my voice soft. “I hope I’ve made him proud.”

“You have,” she said gently. “He gave you everything, and look at you now.”

I smiled, glancing at my own home next door. “It wasn’t just the money, Mom. It was the reminder to never give up. I’ll carry that with me forever.”

She squeezed my hand. “And he’s watching. I know it.”

I looked up at the sky, feeling that same calm warmth I’d felt all those years ago.

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:

  1. Follow the Financial Basics
  2. Find Out How Much Equity You Have
  3. Set Your New Home-Buying Budget
  4. Find the Right Dream Home for You
  5. 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!

Related Posts

Be the first to comment

Leave a Reply

Your email address will not be published.


*