Collateral
Copyright© 2026 by INtrinSicliValud
Chapter 1
Erotica Sex Story: Chapter 1 - Married to gorgeous Krista, and the father of two children, Tom’s life is perfect. Except for one thing-his gambling problem. This time, he’s in deep…to the Russians. Mob boss Yuri makes an offer. Tom has a month to find the money; until then, Krista will dine with him. Secrets are revealed. Their marriage bonds are tried. And their world may never be the same.
Caution: This Erotica Sex Story contains strong sexual content, including Ma/Fa Mult Consensual Heterosexual Wife Watching Gang Bang Exhibitionism Masturbation Oral Sex Voyeurism
It started with a scratch-off at the local 7-11 so many years ago.
I had won. A whopping grand total of one hundred dollars. But the amount didn’t matter. Hands trembling and heart racing, it was that euphoric thrill I couldn’t shake. Been chasing it ever since. Soon enough, the local casinos became my haunts. More often than not, I was on the plus side.
Until I wasn’t.
So, I borrowed. Then borrowed a little more. My luck had to turn. Oh, and it did. But of course, then failed me again.
Big time.
As we walked into an upscale Italian restaurant she loved so much, Krista, my wife, hugged me tighter. She was the magical result of my most desperate and best gamble. Oh, but if she only knew the half of why my heart was battering my ribs like a staccato drum on speed. As I gazed into her twinkling blue eyes and that adoring smile, my pulse soared.
A true regal beauty. Highlighted with shiny russet streaks, long wavy auburn tresses trailed to the middle of her bare back. Wispy curls swept along high cheekbones, framing a narrow face. If anything, she was more gorgeous than the day we met. While sliding my gaze over her again for the millionth time that night, I gave her my best grin.
Hyper-lean, she was a bona fide fitness nut. Rain or shine, she ran every weekday. That and the dancing she’d enjoyed while in college meant she possessed a feline grace, pressing her curves into me as we moved further inside.
Oh, and she’d gone all out, rocking a sleek, black, curve-hugging dress. Beneath its lace spaghetti straps, toned shoulder muscles gleamed in the dim faux-candlelight. The shiny satin taut over a prominent firm chest was drawing many sidelong glances. Add to that the short hemline revealing lithe, long legs, enhanced by the five-inch ankle-strap sandals that click-clacked on the tile beside me and she was truly stunning.
And at those rhythmic, sharp sounds, more heads turned. When we both caught longer ogling stares, I squeezed her tighter.
“God, you’re so hot,” I whispered.
“Glad you married me?” At the soft press of her waxy crimson lips to my cheek, every fiber in my body sizzled. “My handsome husband.”
“Hell, yes.” I laughed. “And you know damned well you’re making all the other men in here so jealous.”
After a quiet giggle, she snuggled against me just as a young blonde hostess gestured for us to follow her. No sooner had we been seated opposite each other in a cozy semicircular booth than we stared over the table at each other. Krista’s perfect, sculpted brow arched. In a flash, we scooted next to each other, grinning like idiots.
Yeah, we were that couple.
As I sighed, she perused the wine list. But I couldn’t help noticing the hostess weaving back across the crowded dining room towards the entrance. Cute. Nice ass.
“I saw that,” Krista murmured, while elbowing my ribs.
“Huh, what?”
“You, scoping out her butt.” Although my wife’s face darkened with an overdrawn pout, her eyes sparkled. “Horny man.”
“Sexy woman.” With a chuckle, I shrugged before skimming my hand along a silk-wrapped thigh, nudging her hem upwards.
Although her lips quivered, she broke out into a delightful, twinkling laugh. And I joined in. She was my light. Had been for ten years. It had taken three of them for me to find the guts to ask her to marry me.
Cute as a button, hard-bodied even back then from a successful college stint in cross-country, she’d been one of the hottest coeds on campus. Plus, she had a reputation as a party girl. Which meant I had plenty of competition.
Of course, that also meant the odds were long—very long—but that’d never deterred me, and boom, we’d hit it off. She said it was because she was into older men, although I was only two years her senior.
And even better, while waiting for her to finish a teaching certificate, I stayed on to earn a master’s degree in business. Plus, that extra time led to a decent investment banking position in nearby Chicago.
As I said, she was the best gamble of my life.
Not at all like the more recent ones. As I got promoted, my pay increased. Good, right? Not so much. That only meant there was a lot more to lose. A heck of a lot more.
When the server, a young guy, arrived, we were still giggling like fools. Handsome, he had thick dark hair and was well-muscled. The tag on a broad chest announced his name was Dave. After inspecting him as he collected our drink order, Krista’s eyes flashed at me. Touché.
And once he’d disappeared, I burst into laughter. After resting her head on my shoulder, she teased at a strand of long auburn hair with glossy crimson nails.
“Why did you marry me, Tom?” she asked. “For real.”
“Because you’re smokin’ hot.” My laughter slowed. “And crazy smart. Oh, and you just happen to be the best damned woman in the universe.”
“Wow.” Her eyes twinkled as she slid a hand into my crotch. “Laying it on a bit thick, huh, mister? Hoping to get lucky tonight?”
“Mmm, oh, uh...” A groan slipped from me as I surged beneath her gently raking nails.
“My oh my.” She giggled. “We should, um, have a fancy date more often, huh?”
Before I could retort, the server returned. After glancing at us snuggled together, he placed our glasses on the table. His cheeks were reddening.
“It’s, um, our seventh anniversary,” I said as she removed the hand from my trousers to grasp a wineglass.
“Congratulations,” Dave replied before taking our orders. Oh, and giving her a subtle glance, but she only slid into me with a soft purr. Face darker than ever, he headed away.
“Another jealous guy,” I murmured before meeting Krista’s lips.
“Mmm, I like it, baby.” She giggled.
“What, teasing them?”
“Yes,” she hissed before replacing her hand on my trousers. “Mmm, you don’t mind, do you?”
“Nuh-uh.” I shook my head as her fingernails dug deeper, encircling my hardness. “My sexy wife can tease whomever she pleases.”