In the sentence "Sean Dwiller is about to find his wife in bed with the young neighbor" you change "wife" to "mother" just as the door opens.
A little boy, around 3 years old comes in and whines "Mommy, I pooped!". He seems upset and close to tears.
"Oh. Does your tummy hurt again?"
"No. But my bum is all wet and yucky!"
"See, it's good you're wearing a pull-up. Now we can just change you and everything will be all right!" your neighbor picks the toddler up and leaves the room, dressed in nothing but her panties she's quickly put on.
Confused, you start putting your clothes back on as your memories update to the new change. Nancy wasn't cheating when you fucked, she's single - as she always was since she moved in next door two years ago with baby Sean.
You liked her since you first met her. She's a bit of a gamer girl and you played some of your favourite video games together. On weekends it was more fun to play with this nice adult woman than hang out in your room with your annoying little brother. Sean had gotten used to you being there and begun to like you, and on some evenings you've babysat him when Nancy goes out with her friends, although she's more of an introvert and doesn't go out much. As you got to know each other better, you talked about more and more personal things. Nancy told you she felt lonely and missed sex, but didn't really feel like dating while Sean was still so dependent on her. You told Nancy about your insecurity around girls, about how you felt you knew nothing about the female body and were anxious about asking a girl out, or even what to do if a girl asked you out. Two weeks ago, Nancy offered you to show you something about female anatomy. You were sitting on her sofa and she took off her shirt, inviting you to have a look at her breasts and taught you how to open a bra clasp. You made out a bit and she cried afterwards, saying that she'd sexually abused you, how sorry she was and begging you to never tell anyone. You hugged and comforted her, thanking her and telling her how much you had wanted to touch her and admitted you thought about her body a lot since you discovered masturbation about a year ago. Since then, you've both been waiting for an opportunity for a follow-up "lesson", and today is the perfect day. It's the first day of your summer holiday and Nancy called in sick to work because Sean has a stomach bug and can't go to playschool. So she texted you as soon as she'd put him to bed for his nap and you came over slightly nervous and with a raging hard-on.
Fully dressed, you leave the bedroom. Nancy's done changing Sean's diaper and he's back on the floor, looking up at his mom. "Mommy, you peed! Your panties are wet!" - apparently your cum trickling out of her has left a visible stain. Nancy blushes. "No, uh..." she stammers. You find the situation rather funny, but decide to save her by distracting the kid anyways.
"Hey Sean, how are you?"
"Ray! I'm sick today, I got dy-ee-hah. I saw you all nakie in mommy's bedroom!" - well, that worked. Now you're a bit tongue-tied and it's Nancy's turn to try a distraction
"Wanna watch TV Sean?"
"Yay!" Sean runs to the living room and plops down on the couch while Nancy puts on his favourite series about a bunch of cute dogs helping people. Afterwards you both return to the bedroom.
"Whoah. The kid's really getting nosey recently. I guess we have half an hour to ourselves now." she says as you sit down on the bed next to each other.
"Yeah, do you think he will tell someone he saw me naked?"
"I don't think so, but we really shouldn't do this again, it's too dangerous."
"But... would you like to do it again?" you dare to ask.
"Of course, it was amazing. You're a natural! But we can't risk your parents or anyone else finding out!"
"I understand. So you don't want me to come over any more?"
"Ray, of course I want you to come over for games or to hang out, but we can't have sex! You're 14!"
"I don't know if I can keep my hands off you!" you say, and to prove it you cup her heavy left breast in your hand.
"Stop that!" she hisses and pushes your hand away. She looks into your eyes, sadness and longing in her gaze. "I want you too, but we have to stop. If only you were a bit older... or if I was your age, or whatever. Life isn't fair."
She hugs you and you sit in silence for a moment as you think about what to do.