At 50, I believed my career was over. But when I started working at a fast-paced startup, I soon became the target of a jealous young colleague. What happened next was more than just a struggle for respect; it led to a surprising twist that changed everything.
After losing my husband, I felt lost, like a ship without a direction. Days blended together, and finding a new purpose seemed impossible.
The psychology degree I had put aside years ago suddenly felt like my last hope. So, I decided to pull it out and use it in my 50s.
Source: Midjourney
When I got an internship at an IT startup, I couldn’t believe it. Technology wasn’t really my thing
But I thought, “Why not? This might be the fresh start I need.”
My new boss, Liam, was 28 years old. He was smart, driven, and focused only on one thing: success. Profits, growth, numbers.
People? Not so much.
In our first meeting, Liam hardly looked at me. I could feel his doubt.
“So, I was thinking,” I started carefully. “It might be good to focus on building stronger connections within the team…”
Liam cut me off. “We’re growing fast. I need results. What do you suggest?”
“Well, it’s about finding balance.”
“You’re just an intern, right? Just listen and repeat,” he said, turning back to his laptop.
That was it. The conversation ended. I left the office feeling defeated.
Maybe I am too old for this.
I needed a fresh viewpoint, so I called my best friend Jake.
Jake had always been my rock, especially after my husband died. There were days I couldn’t even get out of bed, but Jake was always there, helping me through the grief.
We decided to meet at our usual café, a cozy place where time seemed to slow down.
Jake was there when I arrived.
“Hey, Mary. You look like you’ve got a lot on your mind,” he said, waving me over.
I sat down. “I don’t know, Jake. This new job is tougher than I thought. Liam’s young, and he only cares about numbers and profits.”
“Liam, huh? The young boss you mentioned?”
I sighed. “Yes. He doesn’t care about people. I shared some ideas, but he dismissed them.”
“Sounds like he’s missing the bigger picture,” Jake said. “You’ve been through a lot. You know how to help people connect. Why not use that?”
I looked at him, puzzled.
“What do you mean?”
“Remember that emotional support program you wrote as your thesis? Why not offer it as the team-building event? It’s what you know best, and it works.”
I thought for a moment. He was right. The program had helped me regain my strength after my husband passed.
“Maybe you’re onto something,” I said, feeling a bit hopeful. “I’ll pitch the idea to Liam.”
Jake smiled. “That’s the spirit! And remember, if anyone can reach a guy like him, it’s you.”
With renewed confidence, I approached Liam the next day. After explaining the team-building event, I watched his face, hoping for interest.
“Okay, Mary. Let’s give it a try,” Liam said, though his tone was flat.
“Thanks, Liam. I’ll make sure the team benefits.”
Suddenly, I saw Lora standing outside the office, clearly listening to us. She stepped into my way as I tried to leave.
“Team-building, huh? Sounds like a big project,” she said, her eyes sparkling with something I couldn’t quite place.
“It should help everyone connect better,” I said, trying to stay positive despite feeling uneasy around her.
“Liam agreed to this? Surprising, since he’s not really into this soft stuff.”
I shrugged. “He’s willing to try, so that’s something.”
She paused and smiled too brightly.
“Hey, since you’ll be busy organizing the activities, why don’t I handle the logistics? I’m good at that kind of thing.”
I hesitated; something felt off. Still, I didn’t want to seem untrusting, especially since I was new.
“That will be helpful,” I said. “Thanks, Lora.”
“No problem! I’ll take care of everything.”
At the time, I had no idea she had her own plans. I was just grateful for the assistance.
The day of the team-building event was supposed to be my chance to shine. But when I got to the venue, there was nothing. No decorations, no people, and no sign of an event.
Something was wrong. As I stood there, staring at the empty room, my phone rang. It was Liam.
“Mary, where are you? Everyone’s here waiting. You said you’d run this thing, and now you’re not even here!”
Panic hit me. “What!? Liam, I’m at the location I arranged. No one’s here.”
“What location?” His voice grew cold. “The whole team’s at the new place Lora said you picked.”
Lora. Of course.
It was a trap, and I had fallen for it. That was her way of making me look bad in front of Liam.
“I’m on my way,” I said before hanging up.
I called Jake. “Jake, I need your help. Fast.”
“What happened?”
“Lora changed the location for the team-building without telling me. I can fix it, but it needs to be at my place, not Lora’s. I need you to bring everyone to my house.”
“Don’t worry. I’ll be there soon,” he said immediately.
I hurried home, just in time to set things up.
I arranged tables on the terrace, lit lanterns, and made the garden feel warm and inviting. My nerves were high, but I wasn’t going to let this defeat me.
Jake arrived with the entire team in his van. They stepped out, looking confused but curious about the cozy setting.
The event was going better than I expected. People paired up, laughing and chatting, their usual office facades dropping away. The atmosphere in my garden worked its magic.
Liam, who had always seemed serious, was finally loosening up. He moved around, talking to everyone, even smiling.
I noticed Lora and Liam chatting together. I got a bit closer, curious about what they were saying.
“This place is really nice,” Lora said, looking around.
“Yeah, I have to admit, it’s different from the usual corporate events.”
Lora laughed lightly. “Different is good, right? We often get stuck in our little bubbles at work.”
Liam leaned back in his chair. “You’re right. I didn’t realize how much the team needed this. We focus so much on results, we forget something important.”
I saw them both relaxing. For a moment, I felt a sense of satisfaction.
Maybe this event would help them connect in more ways than one.
I caught Lora watching me from across the garden. Even though the evening went well, I sensed this wasn’t over.
As the night came to an end and people started leaving, I saw Lora with Liam near my wardrobe. Lora looked around and picked up a stack of papers, flipping through them quickly.
“Hey, Mary,” she called out. “What’s this? Something important?”
Liam’s face turned red with anger when he noticed the papers in Lora’s hands. He grabbed them.
“What the hell are these doing here?” he snapped, glaring at me. “I prepared these for a meeting with investors. I left them on my desk, Mary.”
I opened my mouth to explain, but he didn’t let me.
“Don’t act innocent. It’s obvious now. You’re working for the competition, aren’t you? I trusted you!”
“No, Liam, I…” I started, but he waved me off.
“We’ll talk later. Stay out of my way for now.”
With that, he stormed out. I turned to Lora.
She smirked. “I didn’t think those documents were that important. I just wanted to teach you a lesson.”
“A lesson? You’ve ruined everything!”
Still, I believed the real Lora, the one I’d seen laughing with Liam earlier, was still in there somewhere. But at that moment, she chose to be her worst self.
I sank into a chair, feeling completely defeated. Jake came over, putting a hand on my shoulder.
“Everything happens for a reason, Mary. Don’t give up yet.”
When I got a message from Liam asking to meet the next day at the office, I felt nervous, but I decided to go in with my head held high.
The next afternoon, I walked into the office with a heavy heart. I saw both Liam and Lora there.
“Mary, I… I need to apologize,” Lora began, her voice shaky. “I was the one who moved the location for the team-building event. I wanted to make you look bad, and… I also planted those documents on your desk.”
“Why?” I asked, barely believing her.
Lora sighed, looking down.
“I was jealous. I thought you were stealing Liam’s attention from me, and I let that cloud my judgment. But after the team-building event and hearing what you said… I realized how wrong I was.”
Liam, who had been quiet, stepped forward.
“She’s telling the truth, Mary. Honestly, I’m grateful for what you did.” He looked at me, his tone softer. “That night in your garden, I felt like a normal person again. I started to notice things I hadn’t in years. It was a wake-up call.”
He glanced at Lora and winked, making her blush. I couldn’t help but smile. It seemed the relaxed atmosphere of that evening did more than I hoped.
Liam turned back to me. “Mary, your methods worked. From today, I’d like to make it official. You’ll be the company’s emotional recovery coach.”
I was stunned, then broke into a smile. “Really? Thank you, Liam.”
Liam added, “And we’ve got more to celebrate. The morning meeting with the investors went great. So, I’m inviting the whole team to stay after work tonight for pizza. Let’s make it a tradition!”
I laughed, feeling lighter than I had in weeks. The weight of uncertainty was gone. I had found my path and could focus on helpingWhen I got an internship at a tech startup, I couldn’t believe my luck. Technology wasn’t really my area of expertise, but I thought, “Why not? This might be the fresh start I need.”
My new boss, Liam, was 28 years old. He was smart, ambitious, and very focused on one thing: success. He cared a lot about profits, growth, and numbers, but not so much about people.
In our first meeting, Liam hardly looked at me. I could sense his doubt.
“So, I was thinking,” I started carefully. “Maybe we should focus on building stronger connections within the team…”
He cut me off, “We’re growing fast. I need results. What are you suggesting?”
“Well, it’s about creating a balance.”
“You’re an intern, right? Just listen and repeat,” he said, already turning back to his laptop.
That was it. The conversation was over. I left feeling deflated.
Maybe I’m too old for this.
I needed a new perspective, so I called my best friend, Jake.
Jake had always helped me, especially when times were tough. After my husband passed away, there were days I couldn’t even get out of bed. But Jake was there, cheering me on when I struggled with my grief.
We decided to meet at our favorite café, a cozy place nearby where time seemed to slow down.
Jake was already there when I arrived.
“Hey, Mary. You look like you’ve got a lot on your mind,” Jake said, waving me over.
I sat down and sighed. “I don’t know, Jake. This new job… It’s harder than I expected. Liam’s young, and he’s all about numbers and profits.”
“Liam, huh? The boss you mentioned?” Jake asked.
“Yeah. He doesn’t care about people. I shared some ideas, but he just brushed them off.”
“Sounds like he’s missing the bigger picture,” Jake replied. “You’ve been through so much. You know how to bring people together. Why not use that?”
I looked at him, puzzled.
“What do you mean?”
“Remember the emotional support program you created for your thesis? Why not offer that as a team-building event? You know it works.”
I thought for a moment. He was right. The program had helped me heal after losing my husband.
“Maybe you’re onto something,” I said, feeling a bit more hopeful. “I’ll pitch the idea to Liam.”
Jake smiled. “Now you’re thinking. And remember, if anyone can reach a guy like him, it’s you.”
With renewed confidence, I approached Liam the next day. After explaining the team-building idea, I watched his face, hoping for some interest.
“Alright, Mary. Let’s give it a shot,” Liam said, though he didn’t sound too excited.
“Thanks, Liam. I’ll make sure the team benefits from it.”
Suddenly, I noticed Lora, who had been standing outside the office, clearly eavesdropping. She stepped in front of me before I could walk by.
“Team-building, huh? Sounds like a big project,” she said, her eyes sparkling with something I couldn’t quite place.
“It should be a good way to connect everyone,” I said, trying to stay upbeat despite the uncomfortable tension I felt with her.
“Liam agreed to this? Surprising. He’s not into this soft stuff.”
I shrugged. “He’s willing to try, so that’s something.”
She paused and smiled a bit too brightly.
“Hey, since you’ll be busy organizing, why don’t I handle the logistics? I’m good at that kind of thing.”
Something about her offer made me hesitate. Still, I didn’t want to seem untrusting since I was new.
“That would be helpful,” I said. “Thanks, Lora.”
“No problem! I’ll take care of everything.”
I had no idea she had her own plans. I was just thankful for the help.
The day of the team-building event was my chance to prove myself. But when I arrived at the venue, there was nothing—no decorations, no people, and no sign of an event.
Something was wrong. As I stood there, my phone rang. It was Liam.
“Mary, where are you? Everyone’s here waiting. You said you’d be running this thing, and now you’re not even here!”
Panic hit me. “What!? Liam, I’m at the location I arranged. No one’s here.”
“What location?” His voice was sharp. “The whole team’s at the new place Lora said you picked.”
Lora. Of course.
It was a setup, and I had walked right into it. That was her way of making me look incompetent in front of Liam.
“I’m on my way,” I managed to say before hanging up.
I called Jake. “Jake, I need your help. Fast.”
“What happened?” he asked.
“Lora changed the location for the team-building without telling me. I can make it work, but it needs to be at my place, not Lora’s. I need you to bring everyone to my house.”
“Don’t worry. I’ll be there soon,” he said.
I rushed home with just enough time to prepare.
I set up tables on the terrace, lit lanterns, and made the garden inviting. I was nervous, but I wasn’t going to let that ruin everything.
Jake arrived with the entire team packed into his van. The employees spilled out, looking confused but intrigued by the cozy setting.
The event went better than I imagined. People paired up, laughing and chatting, their usual office masks dropping away. The atmosphere in my garden worked its magic.
Liam, who had always been so serious, was finally relaxing. He moved from group to group, engaging in conversations and even smiling.
At one point, I noticed Lora and Liam together. I edged closer, curious about what they were saying.
“This place is really nice,” Lora said, looking around the garden.
“Yeah, it’s different from the usual corporate events,” Liam replied.
Lora laughed. “Different is good, right? Sometimes we all get stuck in our office bubbles.”
Liam leaned back. “You’re right. I didn’t realize how much the team needed this. We’re always pushing for results and overlooking something important.”
I felt a sense of satisfaction watching them let their guards down. Maybe this event would bring them closer in more ways than one.
I caught Lora looking at me from across the garden. Even with the evening going smoothly, I sensed this wasn’t the end of her games.
As the night wound down and people began to leave, I noticed Lora with Liam near my wardrobe. Lora glanced around and reached for a stack of papers, flipping through them quickly.
“Hey, Mary,” she called out. “What’s this? Something important?”
Liam’s face turned red when he saw the papers in her hands. He snatched them away.
“What the hell are these doing here?” he snapped, glaring at me. “I prepared these for a meeting with investors. I left them on my desk, Mary.”
I opened my mouth to explain, but he cut me off.
“Don’t act innocent. It’s clear now. You’re working for the competition, aren’t you? I trusted you!”
“No, Liam, I…” I tried to explain, but he waved me off.
“We’ll talk later. Stay out of my way for now.”
He stormed out, leaving me with Lora.
She smirked. “I didn’t think those papers were that important. I just wanted to teach you a lesson.”
“A lesson? You’ve ruined everything!”
Still, I believed there was a better version of Lora, the one I’d seen laughing with Liam earlier, but she chose to be her worst self at that moment.
I sank into a chair, feeling defeated. Jake came over and placed a hand on my shoulder.
“Everything happens for a reason, Mary. Don’t give up yet.”
When I received a message from Liam asking me to meet him the next day, I wasn’t sure what to expect, but I decided to go in with my head held high.
The next afternoon, I arrived at the office feeling heavy-hearted. When I walked in, I saw both Liam and Lora there.
“Mary, I… I need to apologize,” Lora began, her voice shaky. “I was the one who moved the location for the event. I wanted to make you look bad, and… I also planted those documents on your desk.”
“Why?” I asked, hardly believing her.
Lora sighed and looked down.
“I was jealous. I thought you were stealing Liam’s attention from me, and I let that cloud my judgment. But after the event and hearing you speak, I realized how wrong I was.”
Liam, who had been quiet, stepped forward.
“She’s telling the truth, Mary. And honestly, I’m grateful for what you did.” He looked at me, his tone softer. “That evening in your garden, I didn’t just feel like the boss. I felt like a regular person again. I started noticing things I hadn’t in years. It was a wake-up call.”
He glanced at Lora and winked, making her blush. I couldn’t help but smile, realizing the relaxed atmosphere had done more than I hoped.
Liam turned back to me. “Mary, your methods worked. So, from now on, you’ll be the company’s emotional recovery coach.”
I was stunned for a moment and then broke into a big smile. “Really? Thank you, Liam!”
“And we have more to celebrate. The investor meeting went great. I’m inviting the whole team to stay after work tonight for pizza. Let’s make it a tradition!”
I laughed, feeling lighter than I had in weeks. The weight of uncertainty was gone. I had found my pathIt looks like you’re interested in a story about navigating workplace dynamics, personal challenges, and the journey of self-discovery. This narrative explores the protagonist, Mary, as she faces challenges in her internship at a tech startup. She encounters a young and ambitious boss, Liam, who prioritizes numbers over people, and a competitive colleague, Lora, who tries to undermine her.
The turning point comes when Mary decides to pitch a team-building event based on her emotional support program, which ultimately transforms the team’s dynamics. Despite obstacles, including Lora’s manipulations, Mary’s efforts lead to a more positive work environment and her own empowerment, as she eventually becomes the company’s emotional recovery coach.
If you’d like to delve deeper into themes like workplace relationships, personal growth, or strategies for effective team-building, feel free to ask!
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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