Note: All sexual participants are at a minimum of 18 years old.
"Come on, Joey. It's only 25 dollars. I promise to pay you back."
My "sister" Amber was asking for a loan again. When I heard her say "loan", all I heard was "give me" because she was still in debt for 75 dollars over the past two years that I still hadn't seen.
I was 23 years old when this incident took place in the summer of 2010. I was still at home with my mother, Peggy, and stepfather, William. Amber lived with my stepfather as well, although he wasn't her biological father. He and his late wife, Evelyn, had been the legal guardians for Amber since she was 8 years old. When Evelyn died tragically a year later in a car accident. Two years later, William married my mother and maintained the status as her sole guardian until she was 18.
She was now 21 and we had lived in our rather modest 3 bedroom home since my mother married her father. Although not brother and sister, we had been raised that way by the parents.
My dad, Arnold Baggely, had introduced me to the world of financial planning and investments while I was in high school. My college time was focused on getting as much knowledge as possible while serving an internship with the large company my dad worked for. I had been with the company for 2 years and had made my own mark as a competent planner.
Although my parents divorced many years ago, they remained on cordial terms. Dad agreed that living with my mother would be the best for me, but that he would always be available for me. He's always kept that promise.
Another major event in my life happened when I was 19. My grandfather, who was wealthy, left 250,000 dollars to me in a trust fund that I was to collect when I turned 21.
Although Amber didn't know about the 250,000 windfall (even my mother didn't know), she knew I was good at managing money (it was my career after all) and that I could easily lend her the money.
My mom and her "dad" had both refused her for the same reason, she was in arrears with them as well. Although 25 dollars wasn't that much money and any of us could have given it to her without missing it, there was a principle involved.
"Fine, Joey. Don't loan it to me. I'll do something to earn it. What do you have planned for the weekend? Maybe I can work for it."
"I'm going to the beach," I responded with indifference. "Not much there. I don't need a driver."
"Sunday also?" she asked.
"No, Sunday is always my golf day. You know that. I don't need a caddie either."
She looked dejected. She knew if she didn't pay the fine on time that the late penalty would make the payment more than double the original fine.
"Maybe I can bum a ride to the beach with you? At least do something this weekend."
"No. I'll meet Hawk and Teri at the beach and then get some dinner afterward. We all pay for our own food also."
"Damn Joey. You can afford to buy me dinner. Why are you like this?"
Suddenly, a thought crossed my mind.
"I tell you what. Go to the beach with me, join Hawk and Teri, and I'll buy your dinner and pay your fine."
Amber couldn't believe her ears. She'd get a trip to the beach, just two hours away, pay her fine, PLUS a free dinner?
"What's the catch?" she asked with reasons to be suspicious.
"Nothing. You remember Teri from my high school days. I've stayed in touch with her and now I'm also friends with her boyfriend, Hawk. Teri asks how you're doing each time we visit and this way she'll get to ask you in person."
Amber's reasons for suspicion were well-founded. Yes, I was going to the beach. What I didn't tell her was that was a nude beach. I had been meeting Teri and Hawk there for the past three years.
I never dated Teri while in high school. We were friends and she was a guest at my high school graduation ceremony.
There's no doubt she would have dated me, but in those days, she wasn't my type.
She was attractive, stocky, and with large tits. However, she wasn't one of the girls known for "putting out". I went for the ones that would at least let me get in some feeling up and even see them naked. One of them, Julie Nabors, let me go all the way with her.
She went to college after high school and our communication was mostly limited to emails and an occasional phone call.
Three years ago, she invited me to meet Skylar Hawkins, known as Hawk to all his friends and family. She had moved in with him and wanted me to meet him.
It was there that Hawk and Teri invited me to join them at a nearby nude beach. I was hesitant to try it, but the chance to see Teri in all her naked beauty was too much to pass up.
During my initial visit, I needed a towel to cover up my erection when I saw her bare breasts and dark bush for the first time. The decorum at the beach was very proper and men openly sporting erections were asked to leave. It wasn't a sex beach.
Finally, Teri moved my towel up enough and poured ice cold water over my cock. Then, once the erection had subsided enough, we took a walk into the cold ocean water.
After that moment, I was able to control my libido on the beach. Also, before going to dinner, I was able to go back to their house and shower. Teri stood and watched me take a shower while she was nude also. She encouraged me to masturbate at the sight of her nude body. Hawk knew what she was doing and encouraged it.
That happened a couple more times over the next few months, but I never got an erection at the beach again. It was so common to see so many nude female bodies, many of them very desirable, that my body adapted to the non-sexual atmosphere and enjoyed the freedom of not wearing any clothes at all.
However, my feelings for Teri were stronger than ever. Still, Hawk was my friend, and I was not going to act on those impulses. I valued their friendship too much to risk anything stupid.
That Saturday morning, Amber was ready to go by 9 o'clock. She was anxious to wear a new two-piece bathing suit she had recently bought. I chuckled quietly knowing that she wouldn't need that bathing suit at the beach I was going to.
"You're keeping your word about paying my fine and dinner, right?" she asked.
"As long as you keep your part of the deal," I replied.
"Shit, my part is easy. Free ride and dinner. I'd be a fool not to do it."
"I agree," I said with a slight laugh.
I'm not sure if my laugh sounded sinister to her, but she wanted to know what was funny.
"Nothing. I just can't believe you're spending a couple of hours in a car with me."
She had no reaction.
In whole, Amber and I got along well as "brother and sister". Her spending habits were annoying to the rest of us, but overall, she wasn't too difficult to live with.
Yes, she was attractive. She was tall, matching my 5 feet 10 inches in height. She was slender with long, thin legs and shapely ass. Her bust was modest, likely a B cup, but it was perfect for her body type.
Her short, blonde hair seldom went past her shoulders, and she'd often pull it back on the sides with clips. Although I could appreciate her physical qualities, it never occurred to me to make any kind of physical advances on her. Although she wasn't my sister, or not even a stepsister, it seemed like she was off-limits to me.
