Betting on You

Lynn Painter

56 pages 1-hour read

Lynn Painter

Betting on You

Fiction | Novel | YA | Published in 2023

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Chapters 31-40Chapter Summaries & Analyses

Content Warning: This section of the guide includes discussion of cursing.

Chapter 31 Summary: “Bailey”

The next morning, Bailey is the last to wake up. Scott is at the table drinking coffee, and Emily and Charlie are making breakfast and talking about the Kansas City Chiefs football team. Bailey takes a shower, and when she returns, she overhears Charlie talking about his mother’s boyfriend. Charlie says that he’s not a bad guy, but he wishes the man were at his place with his own kids instead of spending every night at Charlie’s house. Scott looks uncomfortable, clearly feeling personally slighted by this. When Charlie and Bailey go to the kitchen, Bailey overhears her mother placating Scott, telling him that she asked about Charlie’s mother and he was just answering.


Charlie notes that Emily and Scott can see them and takes the opportunity to place his hands on Bailey’s waist and kiss her. Their kiss is intoxicating, which catches them both off guard, and it becomes deeper than they anticipated. When they break away, Charlie mentions that Emily and Scott have noticed and do not look pleased. Charlie suggests that he and Bailey use this weekend to hone their kissing skills because they’re “emotionally unaffected by each other” (256), but Bailey is offended and rejects the idea.

Chapter 32 Summary: “Charlie”

Bailey and Charlie spend the day hiking, and Scott and Emily go skiing. Charlie internally berates himself for his suggestion about kissing practice, but he admits to himself that kissing her was addictive and that he only wants more.

Chapter 33 Summary: “Bailey”

As Bailey gets ready for dinner that evening, her mother comes to chat with her about Charlie. She is relieved to hear that they’ve only begun dating recently. Before they go to the restaurant, Charlie and Bailey share a heated kiss that annoys Scott but also makes them both feel disoriented. Charlie invites Bailey to go to a gold-mining ghost town with him tomorrow, but when Scott is disappointed that Bailey won’t go skiing tomorrow, she compromises, telling them that she’ll spend the morning with them and then head for the ghost town later with Charlie.


After dinner, they all go to an ice rink. Charlie and Bailey hang out while Emily and Scott go skating. Charlie uses the opportunity to pull Bailey aside and make out with her until they catch the attention of Emily and Scott. Though Bailey doesn’t glance back at them, Charlie assures her that they seem to be talking heatedly, likely about them.

Chapter 34 Summary: “Bailey”

That night, as they get ready for bed, Charlie tells Bailey that there’s nothing wrong with liking Scott because he is a nice guy. Bailey isn’t sure what to think about Charlie changing his entire philosophy on divorced parents dating. They bond over the fact that their fathers both live in Alaska and don’t see them often.


When Bailey gets emotional about missing her father, Charlie climbs onto the couch and holds her. She tells him that Nekesa pointed out that Bailey is the one who always initiates communication with her father. She decided to prove Nekesa wrong by waiting for him to reach out first, but four months have passed with no word from her father.


Charlie and Bailey share a genuine kiss, which turns heated quickly. They break apart when they hear Scott coming down the stairs for a glass of water, and Charlie is forced to rush back toward his couch-cushion mattress. When Scott goes back upstairs, instead of resuming the moment, Charlie asks to turn on the TV.

Chapter 35 Summary: “Charlie”

Charlie berates himself for kissing Bailey. Though he wanted to, he knows that nothing good can come of it. He’s been very careful to label her as a coworker—not even as a friend—but intends to fix it before a potential romantic entanglement ruins their current understanding.

Chapter 36 Summary: “Bailey”

The next morning, Bailey and Charlie opt to stay at the cafe next to the lift instead of skiing down with Scott and Emily. As Bailey orders them coffees, Charlie steps away to take a call. Bailey wonders if it is his mother or his ex-girlfriend Becca and feels jealous at the thought that it may be Becca.


When Charlie returns, he explains that his mother was thrilled when he told her that Bailey is “an uptight rule-follower” (287). Bailey is bothered when Charlie jokes about the previous night’s kiss as if it meant nothing. When she admits that she’s confused, he says, “[S]ometimes shit happens” (287), a response that annoys Bailey.


Charlie changes the subject and asks about Bailey’s current read, a historical romance, and suggests that they read it together. They take turns reading for a couple of hours; the ridiculous accents that Charlie chooses for the dialogue amuse Bailey. Eventually, they leave the cafe to go on a hike. Along the trail, they find a cat stuck high up in a tree. Charlie climbs up to rescue it and decides to adopt the kitten. At this moment, Bailey realizes that she has major feelings for Charlie.

Chapter 37 Summary: “Bailey”

At the end of the weekend, they drive back home. Bailey names Charlie’s cat Puffball. She can’t stop thinking about her newfound feelings for Charlie, but she has decided that she will not act on them because he doesn’t feel the same way. To put the idea to rest, Bailey suggests that they both begin dating other people. She suggests a double date with Eli and her friend Dana. When Charlie seems taken aback, Bailey hopes that it’s because he dislikes the idea of dating someone other than her, but she is crestfallen when he jokes that she’s been holding out on him by not mentioning her gorgeous, single friend.


Charlie drops Bailey off at home, leaving Puffball with her until he can get permission from his mother to have a cat. However, he calls Bailey soon after he gets home—his mother’s boyfriend has brought his kids over to the house, and he’s overwhelmed and angry.

Chapter 38 Summary: “Charlie”

Bailey sets Charlie up with Dana, he sets her up with Eli, and they all go bowling for their double date. Charlie isn’t enthused about the date after acknowledging, at least to himself, that he likes Bailey. While it hurt when she suggested the double date, it is also a wake-up call to shut down his feelings for Bailey before they ruin their friendship.


Throughout the date, Dana and Charlie have no chemistry, and neither do Bailey and Eli. In addition, both Bailey and Charlie become jealous, watching each other attempt to connect with their dates.

Chapter 39 Summary: “Bailey”

Eventually, it becomes clear that Dana and Eli are more into each other than Charlie and Bailey. When Eli offers to drop Dana off at the end of the night, Charlie and Bailey are left together. Charlie asks Bailey to their fall formal. He explains that his mother will be upset if he doesn’t go, and since there’s no one he’s into, if they go with each other, at least they’ll have fun.


Though Bailey knows that his nonchalance is setting her up for heartbreak, she agrees. They go shopping for a dress, and though Charlie teases her about the dress she picks out, he is clearly affected by the sight of Bailey in it. As she’s changing back into her regular clothes, Bailey receives a text from Zack, asking if she reset her Netflix password.

Chapter 40 Summary: “Charlie”

Bailey excitedly runs to Charlie to tell him about the text and asks him how she should respond. Charlie feels like he’s been gut punched at the news, but he coaches her on how to respond. He worries about what it will mean for their friendship if Bailey and Zach get back together.

Chapters 31-40 Analysis

Painter uses the forced-proximity trope in these chapters to continue the novel’s exploration of Becoming Unjaded About Love. Bailey and Charlie’s physical chemistry is brought to the forefront through Charlie’s instigation of kissing for their fake relationship. Though the kiss clearly leaves both characters disoriented, due to the unexpected physical chemistry between them, Charlie’s unwillingness to become vulnerable due to his jadedness about love prompts him to brush their attraction off as meaningless. Bailey is hurt by his nonchalance, highlighting the fact that, at least for her, there are real feelings beneath their latest game. Painter leans heavily into the fun-and-games aspect of the plot, using common and mundane activities such as cooking together, hiking, or even reading a book side by side in a café to dig deep into exploring their emotional attraction to each other.


A kiss before dinner, followed by another extended kissing session at the ice rink afterward, intensifies Bailey’s confusion about Charlie’s intentions. Charlie’s insistence that he’s unaffected contrasts sharply with his actions, and these repetitive contradictions—between what he says and what he does—fuel much of the emotional conflict in these chapters. Charlie’s internal dialogue after such instances reveals that he’s not indifferent but is trying to suppress his feelings out of fear of ruining what they have. A private late-night kiss following a moment of real connection is something that Bailey cannot deny, as it’s clearly not for show in front of her mother and Scott. However, when it’s abruptly cut short by Scott’s appearance, rather than resuming the moment afterward, Charlie defuses the tension by turning on the TV. Painter uses small interruptions like this to slow down the romantic arc and keep both characters off balance while highlighting how far Charlie still has to go to complete his character arc—he is slowly losing his cynicism about love, but the difficulty of Overcoming Resistance to Change is holding him back.


Rather than confessing her feelings when she realizes that she likes Charlie, Bailey proposes that they both start dating other people, using a double-date setup to create emotional distance—a defense mechanism. By doing so, she hopes to protect herself from potential heartbreak, as Charlie has made it clear that he is not open to a relationship. The emotional whiplash continues when both characters attend the double date but feel out of place and jealous. Neither of them has chemistry with their respective dates, and Painter uses awkward silences, stolen glances, and inner thoughts to emphasize how poorly they’re handling the complicated situation they’ve created. Painter only further complicates their dynamic—and adds more stakes to the brewing conflict surrounding Charlie’s false beliefs about love and the bets he’s involved in—by introducing the plot thread of Charlie and Bailey attending the fall formal together and Zack’s potential renewed interest in Bailey.


Charlie’s interior reaction to learning of Zack’s interest in Bailey—feeling gut punched but pretending to be fine—mirrors Bailey’s earlier emotional state upon wondering if Charlie is interested in Becca or Dana. Painter uses this parallel to highlight how much both characters are performing emotional indifference for each other while privately unraveling. Their failure to communicate openly keeps them just inches apart from the relationship they both want, illustrating the fact that although they both exhibit signs of The Costs of Early Maturity, they are still just adolescents struggling with first love.

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