I tighten my grip on the gas can I'm carrying as I lift my other hand to knock on my neighbor's door. I've done yard work for Tammy Miller before, but her husband used to handle the boat himself. That is, until their divorce finalized a few months back.

Now, he's off in another state, and Tammy has asked me to take up the job he used to do. She has a couple of sons, both a little older than me, but they also moved out of state for school. No complaints here, though. She pays pretty well for my help.

A few moments after I knock, the door swings open. Tammy's waiting on the other side in a fluffy white robe and a pair of dark sunglasses. "Good morning, Cole." She flashes me one of her beautiful smiles, then steps aside and gestures for me to enter. "Come on in. I haven't opened the gate yet, so it'll be easier to get to the side yard from the garage."

"Sure thing, Mrs. Miller," I reply as I step in. "You mentioned it just needs gas and some cleaning?"

"I think so. You said you're not busy today, right? I was hoping you'd come with me down to the lake and make sure it runs okay."

"Oh, uh, of course," I reply, stammering a bit. I usually just show up, do whatever chores Tammy needs, get paid, then walk home. But I'll gladly take pay for a few more hours of work--I've got nothing else going on today.

Still, I can't help but feel a little intimidated by the idea of being alone with Tammy on a boat for what could be an extended period of time. I've been alone with her here plenty of times, but never in a confined space...

Tammy leads the way through the house. We walk through the living room and dining area before reaching the door to the garage. Another door on the other side of the garage takes us into the side yard.

"Looks pretty good," I say as we step out and I get my first good look at the boat. "Just a little dusty."

"I agree," Tammy replies. "I'll go open the gate and get my truck backed up while you clean and fill up."

She heads back into the garage, leaving me to get to work. I put the gas in first, then grab a rag and cleaner and start wiping things down. Meanwhile, Tammy opens the gate separating the boat from the driveway and the front yard, then backs her truck up close to the boat.

Once I'm done cleaning, I hop off the boat and find her waiting by the truck's driver-side door. "Ready to help me hook it up?" she asks. She's still wearing the white robe, though this time as I glance over her I notice the string tie of a red swimsuit poking out by the collar, suggesting something more fitting for boating on underneath.

"Sure thing," I reply quickly, trying not to let my mind wander in the direction of Tammy's swimsuit.

As I move in to examine the hitch and make sure everything's in place, Tammy says, "Thank you again for all of your help, Cole."

"Of course." I straighten up and head for the door of the truck. It will need to be backed up another few inches. "I need the work. College tuition isn't exactly cheap."

I glance back as Tammy chuckles. She flashes me another smile and lifts her sunglasses, hitting me with her stunning blue eyes. "I think I owe you more than just money, with all the help you've given me."

My mind immediately goes somewhere it shouldn't. I flush a little and glance back at the truck. She's a gorgeous woman. I'd be lying if I said I hadn't had sexual thoughts about her before. But the idea that she'd think about me that way? It's absurd. I yank open the truck door and climb in. Keys are waiting in the ignition.

As I glance in the rear-view mirror and prepare to ease my foot off the brake, I see that Tammy has climbed up onto the boat and is sitting on the edge of the bow, her eyes aimed at the hitch. They dart briefly up to meet mine, and she smiles.

Come on. Stay focused. I lift my foot and feel the truck roll back a little. After a moment, Tammy calls out, "Looks good!"

I throw the truck in park and hop back out. Sure enough, everything's lined up perfectly. I get to work connecting the boat trailer to the vehicle while Tammy slides off the bow.

After a few minutes, I straighten up. "All right, I think we're good to go."

"Great. You sure you don't mind coming with me to Fox Lake?"

"Of course. My day's totally open." I try to sound casual, to not let my nerves show. Fox Lake is only a fifteen-minute drive from our neighborhood, so a quick test on the boat won't keep us long. But again, it's still more time in close quarters with Tammy than I've ever spent.

"Great," she says. "Hop in, then. I'll drive."

I climb into the passenger seat while Tammy gets settled on the driver's side. Once we start moving, she asks me a few questions about how college has been going so far, what classes I'll be taking in the fall, and more along those lines. Once we fall into the rhythm of conversation--and I'm able to distract my eyes with the road ahead rather than her body--my apprehension fades.

When we reach the marina--which is pleasantly quiet, though that's not surprising for a weekday morning--Tammy backs the boat trailer into the water, and I handle unhooking the hitch and backing the boat out. I head over to the docks to wait for her while she parks.

The heat's not unbearable, but after the physical exertion of getting the boat off the trailer, I am uncomfortably hot. I hesitate a moment, then decide to go ahead and peel my shirt off. Hopefully Tammy doesn't mind.

A minute later, Tammy walks up the pier to where I'm waiting. When she reaches the boat, she smiles at me.

Then, she shrugs off her robe.

My face heats. I don't think I've ever seen her in a swimsuit, let alone a skimpy bikini like the one she has on now. Jesus, her tits are huge. And her curves are so inviting...

I turn to face the boat's steering wheel, hoping she doesn't see how red my face must be getting. "Engine sounds good so far, but we should get out of the marina and get it up to speed."

"Sounds good," Tammy replies. Out of the corner of my eye, I watch her climb into the boat, robe draped over her arm. Once she's settled in, I get us moving out of the marina at a steady pace, slow enough to avoid making wake. Then, we pass the buoys marking its edge, and I hit the gas.

The boat performs perfectly, slicing through the water with ease and remarkable speed, turning on a dime. I take us in a few circles at the center of the lake, then bring the boat to a gentle stop. It rocks in the remnants of our wake as the waves slowly fade.

I turn towards Tammy. "Seems like she's running great to me!"

"I agree." Tammy grins back at me. "Wanna take a dip in the lake?"

I can't help myself. As she asks the question, my gaze sweeps over her body, over every inch of exposed skin. The huge tits that look just about ready to pop out of the bikini barely holding them in place. Tammy smiles again, and... I swear her gaze moves over my body, too. My bare chest and arms that have admittedly gotten quite a bit muscular thanks to my trips to the gym.

"Sounds great." I stroll to the back of the boat and leap into the water. The cold bites, but it's a welcome distraction from the fact that my fucking cock was starting to get hard. I'm not wearing swim trunks, but I don't care. The dry heat will ensure I'm not wet for too long after I get out, anyway.

I break the surface and suck in a deep breath.

"Feel good?" Tammy calls to me from where she stands at the edge of the boat.

"Yeah, it's pretty nice," I reply.

"I'll have to see for myself." Tammy clips her blonde hair up into a bun, then climbs over the back of the boat and onto the small platform by the motor. She bends over and pulls free the ladder beneath.

Whatever dampening effect the cold water had on my dick is quickly overruled by the sight of Tammy bending forward, giving me an even more generous view of her cleavage than I was already being treated to. My cock twitches and starts to stiffen again.

Then Tammy turns around and begins climbing down the ladder, and I get to see just how much of her ass the bikini is showing off. Fuck. Fuckfuckfuck.

"Ooh, that's cold," she says as she sinks into the water up to her neck. As she begins treading, she adds, "It feels good, though."

"Y--yeah," I stammer. "Feels great." I tip my head back and close my eyes, feigning relaxation while I'm actually fighting for my life against my body. Despite how attractive she is, I've been able to keep my cool around Tammy in the past. Why did she have to wear that fucking bikini?

The silence between us is starting to make me feel even more awkward, so I rack my brain for a moment, then ask, "Was there anything else you wanted me to take care of at your house today?"

"Maybe some yard work when we get back, if you're up for it. Nothing urgent."

I open my eyes and look at her again. Tammy rests a hand on the ladder. "Should be much nicer standing in the sun now that we're all wet. I brought some snacks and water, do you want any?"

"Water would be great."

"Sure thing." Tammy grabs the ladder with her other hand and starts to pull herself up. I catch a glimpse of her tits bouncing, then I'm entirely focused on the jiggle of her ass as it slides out of the lake, damp with droplets of water. My jaw goes slack as I stare. Fuck, fuck, fuck. I'm so fucking hard. Is she doing this on purpose?

Don't be ridiculous. It's not her fault my mind is in the damn gutter. Damn it. I need to get back in the boat to drink the water I just said yes to, or she's going to notice something's up. I grab the ladder and try to think about my grocery list, my plans for next week, my bank account, anything.

After a few moments, I can still feel pulsing arousal between my legs, but I think my erection has faded enough that I won't completely embarrass myself by coming out of the water. At least, not yet. I take a deep breath and climb back into the boat.

As I climb in, I see Tammy pulling a towel out of a full crate of them that had been stowed under one of the seats. As soon as she's out of the way, I eagerly move forward and grab one.

Meanwhile, Tammy pulls out a small cooler from under another seat. She procures a water bottle from it as I settle onto a nearby seat and half-heartedly run the towel over my upper body, then leave it to rest across my lap.

Tammy turns to face me, and the towel she'd wrapped around her body slips and falls into a heap on the floor.

"Oops." She giggles. "Oh well."

And just like that, I'm hard again. I think the towel hides it, but I quickly cross one of my legs over the other and adjust my position anyway, desperate to ensure my arousal isn't noticeable. Blood is rushing to my cock fast, and all I can focus on is my throbbing need.

Tammy crosses the short distance between us and sits down next to me. Leans toward me, holding out the water bottle. Practically shoves her massive tits in my face.

I didn't think my erection could get any harder, but it does. I take the water and quickly wrangle the cap off, then take a sip.

Tammy rests a hand on my leg. "Thank you again for all your help, Cole." She leans forward a few more inches, her breasts squishing together. "I don't know what I'd do without you."

I barely manage to swallow the water without choking it. "I--uh--of course--"

Her hand slides further up my leg, the one resting on top of the other. Then, she pushes. Tries to push it away from my other leg.

"M--Mrs. Miller--" I stammer, trying to resist so she doesn't expose my erection. I still refuse to believe she's coming onto me.

She gives me a sly grin. "Is something wrong, Cole?"

"I..." My determination to resist her push crumbles. She forces my legs apart. The towel falls out of my lap and brings my erection into full view. My face must be bright red with how hot it feels.

Tammy inches closer to me, bringing her chest close to my face. "So shy now?" Her hand moves further up my leg, coming to the bottom of my shorts. "You've been staring at my tits all morning. I know you want me."

"I..." I have no idea how to respond to that. All I can do is stare. Is she really...?

"You've thought about me before, haven't you?" Tammy asks.

I swallow. Yes. Of course I have. I saw her in yoga pants and a sports bra once, and--

Tammy leans in closer, bringing her mouth near my ear. "Come on, Cole. Tell me. Have you masturbated to me before?"

"I--yes," I blurt in confession. "While I was in the bathroom last time I was at your house--I touched myself after I saw you doing yoga. I got so hard--"

Her hand slips up into my shorts, moves within inches of my cock, cutting me off and drawing a startled groan out of me.

Tammy chuckles. "Did you cum?"

"Yes. Yes I fucking exploded. I had to clean it up..." I'm so fucking embarrassed. But despite that, I'm pretty sure I'm harder than I've ever been in my life.

"Is that all?" Tammy asks. "Or do you think about me more than just when you're at my house?"

The next sentence tumbles out before I can stop it. "All the time when I'm at home. I jack off to you almost every week." Fuck. Is that going to upset her? My face is hotter than the sun, and that isn't helping my erection at all. Neither is the fact that her tits are now pressed against my chest.

Tammy's hand grabs my cock. I gasp as she begins slowly stroking it. "Do you wanna touch my tits, Cole?" she asks.

"I--god, yes!" I nod.

"Then go ahead." She smirks. "I don't mind."

My hands move eagerly and grab at her chest. Squeeze. Fuck.

Tammy reaches up with her free hand, brushing one of my hands aside, and pulls at her bikini top, exposing her left tit completely.

The next thing I know, she's shoving it into my mouth.

I moan into her flesh and start sucking, one hand still squeezing her other tit. After a moment, I feel her hands move to the front of my shorts, where she begins undoing my button. The zipper. Then, she's pulling my cock free. Stroking it again.

My hips jerk upward instinctively, and I pull my mouth back from her tit. "Mrs. Miller, I--I'm gonna cum if you keep--" My voices strains and I groan loudly, unable to help myself. "--touching me--"

Her hand stops, and I don't know if I should be relieved or disappointed. I'm a bit mortified at the idea of exploding after her touching me for less than a minute, but my body is also desperate for more. Desperate to reach release, whatever it takes.

Tammy brings her lips close to my ear again. "Do you want to be a good boy and cum inside me?"

I stare up at her, wide-eyed, and nod frantically.

She grabs the back of my head and shoves my face into her chest. Her tits muffle my groan as she shifts and straddles my lap. When I come up for air, it's just in time to watch her hips wiggle as she tugs off her bikini bottoms.

My cock twitches hard. The sound that comes out of me next is downright embarrassing. Tammy smirks as me as she settles back into my lap, bringing her pussy down to the tip of my cock. Teasing me. "You want in?"

I groan. "Yes, please. Please, Mrs. Miller--"

She drops another inch, and my tip is swallowed by her tight, warm entrance. "Do you look at pictures of me when you touch yourself?" she asks.

"Yes," I grunt. "I--I look up pictures of you on social media--" Tammy drops further onto my cock, and I cut myself off with a strained cry of pleasure.

Nearby, the engine of a loud boat cuts through the summer morning air. Tammy's gaze lifts to the water behind me, where the boat must be speeding by, and she grins. "That's a big one. Should we let their waves decide how good I ride you?"

I'm so overwhelmed by pleasure at this point, I can barely speak other than to utter a strangled, "Fuck!"

A few moments later, the first wave from the passing boat hits us, rocking us hard. My cock slides deeper into Tammy, and our cries of pleasure mix together. The boat drops back down off the wave, and I slide back out a little.

Tammy's head tips back as the next wave rocks us, jutting her tits toward my face again as she cries out, one tit out and the other still barely secured in the bikini top. "I knew your cock would be fucking fantastic, Cole."

"Oh, god, Mrs. Miller." My jaw clenches as we rock again, the motion teasing my cock. "Mrs. Miller, I'm so close, please..." I trail off with the next wave, with the next rush of pleasure. All I can focus on is the sensation of my full length sliding through Tammy's tight pussy.

"Do you want to cum, Cole?" she asks.

"Yes! Fuck! Please, Mrs. Miller, I need to cum so fucking bad!"

Tammy begins bouncing up and down on my length. Her tits jump with her, and after a moment, the bikini loses its hold on the right tit. It springs free, and then both of her bare breasts are bouncing inches from my face.

"Oh fuck!" I shout. My hips buck up. "Fuck, Mrs. Miller, I'm gonna cum--"

She grabs the back of my head and shoves one of her huge tits back into my mouth. "Fuck yes, Cole!" she screams. "Fill me up!"

My hips buck up again, and I explode with a deep cry of pleasure. My hips continue to jerk up a few more times with my release. Then, panting, I collapse into the seat.

Tammy lifts herself off my cock, and my cum drips out of her. "Good boy," she purrs. "I knew you'd fill me up with a good load."

"Fuck, Mrs. Miller," I gasp between ragged breaths. "That was incredible."

"Well then." She leans in and brushes my cheek with her lips as they inch toward my ear. "I guess I'll have to make that part of your chore schedule."