48 pages • 1-hour read
Emily GiffinA modern alternative to SparkNotes and CliffsNotes, SuperSummary offers high-quality Study Guides with detailed chapter summaries and analysis of major themes, characters, and more.
Tom tells Lyla that Finch and Nina will be coming over the next day. She focuses on the laundry her father left for her to fold, which is unusual. She believes that their meeting tomorrow will be awkward and painful, which causes another argument between them.
She thinks about how her mother left in the middle of the night, and recognizes that her mother “was a master at painting herself as the victim” even in their conversations together (159). Lyla and Tom discuss his conversation with Nina. He questions if Lyla is ashamed of their house when she asks why Nina and Finch are coming to them. She tries to tell him that she needs empathy for not wanting to talk about the picture or to see Finch. Tom does not believe Finch deserves forgiveness. Lyla tries to defend Finch, which confuses Tom.
The next day Lyla and Grace talk on the phone to find an outfit for Lyla to wear before Finch and Nina come over. At Lyla and Tom’s, Finch asks to speak to Lyla alone. Nina and Tom go outside to give them privacy. Finch reveals that he got into a fight with Polly over Lyla, and he claims that Polly took the picture of her and posted it from his phone, which is why they broke up. Finch reveals that he will not report Polly for taking the picture and has not told anyone else about this. He hopes that his acceptance from Princeton will not be revoked, and that he hopes Lyla will not hate him. He asks her if they can hang out sometime.
When Nina and Tom get back inside, Lyla worries that Nina and Finch are trying to manipulate them. Finch asks Tom if it would be okay if he takes Lyla out on a date. Tom tells Finch that he will not be getting out of going to the honor board hearing and that he cannot stop him from asking out Lyla. He does tell Finch that he will be shocked if Lyla agrees to go on a date with Finch.
Nina asks Finch how feels. He says that he feels good about the meeting and expresses his happiness at having gone over there. He says that Lyla is “a cool girl” (175), and Nina agrees. Finch also says that Tom is nice, and Nina thinks about how they discussed the differences between generations. Finch says that he wants to get to know Lyla more, but Nina advises him to wait until after the hearing. She tells Finch that she will tell Kirk about their meeting when his flight gets in later that day.
Nina thinks about how her marriage started to change after Kirk sold his business and parted ways with his friend and business partner, Chuck. Chuck was left without any money, and Kirk did not seem to care. She realizes that Kirk only likes to follow rules if they benefit him.
Kirk texts Nina to let her know he has extended his business trip due to having a migraine and not wanting to fly. Nina and Finch discuss his breakup with Polly, and he does not seem to want to reveal the truth behind it. Finch asks to go to a Luke Bryan concert that night despite being grounded. She tells him that he can go out but will have to find a cheaper activity. His friend Beau offers him a ticket, and Nina allows him to go after he promises there will be no more trouble.
Tom claims he has never been to therapy because he cannot afford it, but he remembers spending time with a retired therapist, Bonnie, when he was working on a project at her house. At the time, she questioned him regarding his past romantic relationships and his daughter. He thinks about his job as a caddy when he was younger, and how he and his friend, John, developed a crush on a member at the country club. The woman was a bit older than Tom, and pursued a sexual relationship with him.
As he thinks about this, Tom realizes that the situation with Finch and Lyla has made him feel lonely, and he goes to see Bonnie. They talk about how few friends he has and the conversation he had with Nina and Finch. Bonnie questions if Finch and Lyla could develop feelings for each other. She even wonders if Tom has feelings for Nina.
When Tom gets home, he learns that Lyla is going to a Luke Bryan concert with Grace, and he reminds her about her curfew. Later that night, Tom spends time working as an Uber driver, and he picks up two drunk women. In the car, one of the women says how Kirk is texting her, and she claims that they are just friends. They discuss the photo Finch took and call Nina a “bitch,” which angers Tom. He reveals that Lyla is his daughter. After they get out of the car, Tom calls Nina to thank her for coming over. He mentions the conversation with the women in the car, and Nina thanks him for giving her a call.
After the concert, Lyla walks with Finch, Beau, and Grace toward the car. Lyla thinks back to Grace questioning why Polly and Finch broke up. She had decided not to tell Grace the full story. They spend the car ride back to Grace’s joking around with each other. Finch comments on how he must be careful driving with “precious cargo” in the car, referring to Lyla. Grace tells him he should not be texting while driving.
After Finch drops them off, Grace tells Lyla that she saw him texting Polly, and thinks Finch is lying to her about their breakup. Grace and Lyla get into an argument. Lyla says that Polly and Finch broke up because Polly took the picture. Grace thinks Finch has lied to her and belittles Lyla for not being smarter.
Later that night, Grace sends Lyla a photo of Finch’s car in Polly’s driveway. Lyla texts Finch to ask if he is having a fun night, and he immediately calls her. He tries to explain that he went to Polly’s house because she knew that they went to the concert together. He also says that Polly knows he is planning to reveal the truth about the photograph.
After Finch leaves for the concert, Nina drinks a glass of wine. She worries if she has an alcohol addiction, which she accuses Kirk of at times. She rationalizes her drinking and tries to call Kirk, who does not answer. A few minutes later Kirk accidentally calls her back, and she hears him laughing with another woman. She hears the woman call Kirk “Honey” before he realizes Nina is on the phone.
Nina tries to justify why Kirk quickly hangs up the phone. She starts to freak out after he does not immediately call her back. When he does call her, Kirk claims that he is with a friend and his fiancée. When he does not tell Nina that he loves her back, she thinks about how he is “failing with flying colors” (217).
Right after she talks to Kirk, Tom calls Nina to briefly thank her and tell her about the conversation he heard in his car.
She goes into Kirk’s office and sees an email between him, Finch, and a ticket broker, Bob. Kirk paid for four tickets to see Luke Bryan with the intent to make amends with Lyla. Nina wishes for a divorce.
The next morning Nina calls Tom to apologize for seeming weird on the phone the night before. Tom reveals that the women were talking about Kirk cheating on her. Once they get off the phone, Nina realizes she did not tell Tom about the concert, but she cannot bring herself to call him back. She tells Finch she will be going to her hometown, Bristol, for the night, and she asks him about the concert. Finch lies to Nina about who went and how he got the tickets.
Arriving in Bristol, Nina meets Julie for lunch and tells her about everything she has learned. Julie tells Nina that she will have to have proof of Kirk’s affair if she wants to get a divorce, and Nina asks Julie to be her divorce lawyer. Julie reveals that she has hated Kirk since their first meeting, and questions if Nina has ever been in love with him. She claims she hates Kirk for Nina and Finch, which makes Nina realize that she must divorce Kirk for the sake of Finch.
Finch invites Lyla over to his house when both of his parents are gone. Lyla thinks about Caleb, the boy she had sex with for the first time the summer after her first year at Windsor. Grace describes him as “ghetto,” which is why Lyla kept their relationship a secret from everyone. During that time, Lyla called her mother, who brought her birth control so she could have safe sex. After school started in the fall, she and Caleb began talking less and less until Caleb ghosted her. At Finch’s house, the pair starts watching a movie before making out. As they start taking off their clothes, Finch asks Lyla if she has had sex before, and she says yes.
Finch’s ability to lie and manipulate the truth illustrates his flawed character. It also
reveals how people can easily use the ambiguous nature of social media to obfuscate one’s actions.
Finch and Lyla have drastically different perceptions of empathy and trust. Although Nina and Tom attempt to bring some resolution by having Finch apologize for his actions, Finch continues to lie, creating more animosity and strife. Finch convinces Lyla that Polly took the picture due to jealousy. Lyla does not understand why Polly has issues with her because of how “rich and beautiful” Polly is (170). Lyla judges others by their external appearance; she makes the mistake of placing importance on looks and economic status, a fault of many of the characters.
However, Lyla is different from Finch and Kirk because she does not exist within a high economic class and lacks their privilege. Her commentary on Polly implies that she believes having beauty and money allows for one to have anything they want. She does not understand why Polly would be jealous of her because she does not view herself in the same league as Polly. At this point in the novel, she still has a lot of growing to do, as evidenced by her misjudgment and naivety.
For example, even after Finch lies to her about why he’s at Polly’s house after the concert, she still falls for his charm.
Throughout this section, Giffin continues to develop Nina and Tom. The conflict between Finch and Lyla forces them to reflect on their own pasts. When Nina is faced with Kirk’s infidelity and immorality, she reflects on how she fits into the community around her. Her decision to divorce Kirk and go back to Bristol shows how she rejects the vapid and selfish lifestyle of the Nashville elite. She fears that Finch will become a liar and manipulator like her husband, as these qualities are already beginning to take shape. By going back to Bristol, Nina gives herself an opportunity to reflect and take both physical and mental space.
Bonnie also provides a space for Tom to reflect. Bonnie and Tom’s conversation about Tom’s experience at Belle Meade’s Country Club allows him to reflect on the consequences of demeaning and sexually explicit behavior. Bonnie’s remark that the bet Tom made with his friend as a teenager was “sexist” and “demeaning” forces him to reconsider his own actions and acknowledge that he is also not innocent when it comes to women.



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