Collateral - Cover

Collateral

Copyright© 2026 by INtrinSicliValud

Chapter 12

Erotica Sex Story: Chapter 12 - 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  

In the morning, bright sunlight slanted through the curtains. At quiet voices downstairs, I eased from Krista’s embrace. With a soft murmur, she curled tight, and I tucked the blanket over her before slipping from the room.

“Is mommy okay?” Ella said as I appeared at the foot of the stairs. “She was screaming a lot last night.”

“Yes, sweetie.” I gulped. “Um, she had a Charlie horse, that’s all. She’s, uh, sleeping in.” While heading for the kitchen with her beside me, I tussled her hair. “We can make her a nice breakfast, though.”

“Oh, that would be fun. Pancakes?”

“Sure, pancakes it is.” While pulling out pans, I smiled at my daughter.

Low-carb diet and all, Krista probably wouldn’t eat them, or only give ‘em a taste, but we would. As would Ben, who followed us into the kitchen, yawning and scratching the tousled mop on his head.

Thus, our Sunday began as normal.

When Krista made it downstairs wrapped tight in a thick robe, I handed her a mug of coffee. That got me a long kiss and soft press of her frame. Then a brief blaze in those eyes before they softened when she shifted into mommy mode. Soon, all of us were laughing around the table about the usual goofy things.

With a smile on her glowing face, my low-carb wife devoured three pancakes. Plus, a healthy portion of scrambled eggs with a pair of sausages. Along with two glasses of orange juice and two mugs of coffee. To say I was amazed was an understatement, but she only chuckled after catching my expression.

As I cleaned dishes, they piled into the family room to practice the alphabet and play simple math games. Yep, normal in every way. When I got the chance, I checked, but there was nothing from Antigua. Not that I’d expected anything over the weekend. But with less than a week remaining, we were cutting it down to the wire.

Harrison had emailed. He liked the Averill plan. So, yippee. A twenty-thousand-dollar bonus would soon head my way. With what I earned a month, plus Krista’s salary, that left us with only 470k to finance.

Only.

“Fuck,” I murmured while clenching the mug in my hand so hard the coffee splashed. “Come on Antigua.”

With the weather glorious, the kids dashed into the office to give me hugs. From over the top of the couch, Krista smiled.

“Daddy, could we play in the sprinkies?” Ben asked. He meant the toy sprinklers that shot water out over the backyard.

“Mommy says you could grill for lunch,” his sister added with that endearing, heart-melting smile. She got that from her mother.

“Sure,” I replied before nodding at my wife.

There was nothing I could do to force the bank to reply. Nor had a single person responded to the emails. So, after changing into swim trunks, I went outside to prep the grill while Krista changed the kids into swimsuits. Just as I’d finished setting out the garden hose, the rear door opened.

Although I smiled at the children dashing across the yard, my entire body shivered when my wife pranced into view. While she owned many swimsuits, she’d selected one of the nicer bikinis. Orange, it wasn’t too small; we had neighbors. Besides, I already knew the impact she had on the teenagers living nearby.

At the local bike shop, I’d overheard a couple of boys who hadn’t realized I was the “hot MILF”’s husband. When I told her, she’d gotten a giggle out of that. Then we’d had sneaky parent sex while the kids were napping.

While moving to a lounger on her toes, she was definitely hot. At my stare, her teeth sank deep into her lower lip. After a quick glance at Ben and Ella, jumping around on the lawn, she did a slow twirl. The world blurred as she bent at the waist to spread her towel. When she wriggled her butt and giggled, I almost lost it.

With that impish grin, she turned and sashayed, hips-swinging like a runway model, to me. The powerful scent of coconut wafted from her sunscreen-slick skin as she glided into my open arms.

“Baby, you make me so wet the way you look at me sometimes,” she whispered before pressing her mouth to mine. After a slow grind against my swelling crotch, she pulled her lips away. “Mmm, nice. Gonna fuck me later, sexy man?”

“Um-hmm,” I murmured, because duh.

“Eww, you guys are gross,” Ben yelled from across the yard.

And, boom, magical moment broken.

With a laugh, she left me for the lounge chair while I flashed a red-faced smile at the kids and turned on the hose. As they danced and leaped through the arcing droplets, I prepped the grill. Plus, took every damned opportunity to admire my wife’s lean frame, glistening beneath the bright sunshine.

What a perfect day.

Then it got better. After rolling her head to glance at me, she slipped her fingers into the bikini’s waistband. With her shining blue eyes locked on me, she rolled the material downwards. As each millimeter of untanned skin was revealed to the sun—and me—my pulse raced higher. Soon, the gathered orange material barely covered her slit.

At first, I thought she was just teasing me, but she reached for the suntan lotion. While doing my best not to burn lunch, I tracked her fingertips smearing white cream over the paleness. My eyes ripped from her to scan the neighboring houses. Yeah, those boys were right; fuck, she was hot.

 
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