Dolly All the Time

Annabel Monaghan
52 pages1-hour read
Fiction
Novel
Adult
Published in 2026

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Chapters 17-25Chapter Summaries & Analyses

Content Warning: This section of the guide includes discussion of sexual content.

Chapter 17 Summary

During the tense family dinner, Grant and Henry criticize Stewart’s San Francisco preservation project, the Kramer deal, for its low profitability. Henry openly questions Stewart’s leadership abilities, comparing him unfavorably to previous generations. Visibly upset by the confrontation, Stewart abruptly excuses himself from the table. Dolly finds him outside in the garden having a panic attack. To comfort him, she climbs into his lap and holds him, helping him regulate his breathing. Once calm, Stewart confides that his panic attacks are triggered by the specific fear of strangers one day touring his family home after a generational failure, a scenario his father invoked at dinner. They share a quiet, intimate moment in the vegetable garden where Stewart leans toward Dolly as if to kiss her, but she gets up to leave before he does.

Chapter 18 Summary

Freddie insists she invite Stewart to a barbecue so he can properly thank him for helping with the roof. Stewart arrives with five bottles of wine and a small bouquet of herbs, and he charms the family with a story about accidentally bringing a skunk into Eight Oaks as a child, which makes them all laugh. He also admires the kitchen curtains, which Dolly made from one of her grandmother’s old dresses using the woman’s sewing machine.


During the meal, Stewart invites the family to a Red Sox game against the Yankees; Dolly and Gus are thrilled, but Freddie and Christopher decline. After a successful evening, Stewart texts Dolly and asks her on a sunset boat cruise for the following night. Dolly discusses the situation with Naomi, who is convinced Stewart’s actions prove he has genuine feelings for her.

Chapter 19 Summary

Stewart takes Dolly on a sunset cruise. After Dolly follows him below deck into the boat’s small galley, he confesses that he thinks about kissing her constantly. They then share a series of intense, passionate kisses. Frightened by the depth of her feelings, Dolly pulls away and insists their actions were just “method acting” to make their fake relationship more believable. She tells him they should not kiss again in order to maintain their professional arrangement. Stewart reluctantly agrees but asks her to let him know if she changes her mind.

Chapter 20 Summary

Stewart texts Dolly to inform her he will be in New York for a few days, and their exchange is stilted after their kiss on the boat. While he is away, a storm causes the tarp on the Bricks’ roof to come unsecured, requiring the roof crew that Dolly hired to fix it. Patsy calls, completely unaware of the recent fire or the ongoing roof problems. During the conversation, Patsy mentions that she heard a rumor that Dolly is dating Stewart, which Patsy immediately dismisses. The call reinforces Dolly’s resentment over being the sole family caretaker.

Chapter 21 Summary

Dolly faces two simultaneous emergencies when Christopher cracks a tooth and Gus injures his head at camp in Point Judith. Feeling overwhelmed, she is on the phone with Stewart when he asks how he can help and volunteers to pick up Gus. He takes Gus to Eight Oaks, where Victoria treats the head wound. When Dolly arrives after taking Christopher home from the dentist, she finds Gus and Stewart playing backgammon. Overcome with gratitude, she gives Stewart a long, emotional hug. Stewart then offers to teach Gus how to sail and gives the boy his phone number. Later, Dolly admits to Gus that she likes Stewart very much but still insists their relationship is not real.

Chapter 22 Summary

Busy organizes a public lunch for herself, Stewart, and Dolly at the yacht club, naming their group chat “Operation Payback.” Over their meal, Busy comments that Stewart seems much “lighter” and happier since he started spending time with Dolly. After lunch, Stewart gives Gus his first sailing lesson. As Dolly and Busy watch from the deck, Busy tells Dolly that she wishes the relationship with Stewart were real.

Chapter 23 Summary

Stewart visits Dolly at the Fish House to ask her to accompany him on an overnight trip to Boston. He explains that he has a critical dinner meeting for his Kramer project with both the clients and his father, and he needs her there for personal support. Dolly agrees to go. Before she leaves, Gus asks her retrieve his favorite Red Sox sweatshirt from their Boston apartment.

Chapter 24 Summary

Dolly and Stewart travel to Boston by helicopter. Before dinner, they stop at his office, where he shows her a telescope pointed at Fenway Park. At the restaurant, Henry is openly critical of the Kramer deal’s low profitability in front of the clients, Nick and Hillary Kramer. To save the deal, Dolly shares a personal story about a local ice cream shop to highlight the intangible value of preserving places tied to history and memory. Her story prompts a warmer personal exchange with Henry, who reveals his own family connection to the shop. The dinner is a success, and toward the end of the meal, Dolly rests a hand on Stewart’s thigh. He covers it with his own, holding it there.

Chapter 25 Summary

After dinner, Stewart takes Dolly to his Boston mansion. Overwhelmed by the growing intimacy between them, Dolly makes an excuse to leave, saying she needs to get Gus’s sweatshirt from her apartment. While still in the car outside her building, Stewart says he wants to come inside. In her apartment, the tension between them finally breaks, and they share a passionate kiss before moving to her bedroom, where they have sex for the first time. The next morning, Stewart brings her tea in bed. Dolly voices her fear about their new level of closeness, but Stewart reassures her. He tells her he wants to be with her every day and asks her to “raise [her] expectations” for him, affirming his desire for a real relationship.

Chapters 17-25 Analysis

In the novel’s third section, the tense Whitfield family dinner adds nuance to the theme of The Harmful Consequences of Class Division by revealing how these differences weigh on the wealthy Stewart. The scene depicts the intense psychological pressures of inherited wealth, setting them in contrast to the grounded, working-class world of the Brick family. Grant and Henry publicly criticize Stewart’s business decisions and question his leadership, revealing that the Whitfield legacy is a source of anxiety for Stewart. His subsequent panic attack is triggered specifically by his father’s mention of “mansion tours,” a fear of his family’s home becoming a museum to their failure, a Gilded Age relic whose story ends with him. While much of the novel’s exploration of The Harmful Consequences of Class Division focuses on ways this disparity negatively impacts the working-class Dolly, Stewart’s fear offers another perspective on the theme by showing how the weight of maintaining status has become debilitating. Dolly’s comforting response is an instinctive act of care that momentarily shifts their relationship from a transactional agreement to one of genuine emotional support. Stewart’s acute vulnerability and Dolly’s unhesitating care provides a real foundation for intimacy, moving beyond the public performance their contract requires.


The author uses the fake dating trope to show how The Burden of Caretaking has shaped Dolly’s emotional life, making it difficult to accept support for herself. Following their first kiss on the boat, Dolly’s insistence that their passion was merely “method acting” engages with the conventions of the fake dating romance trope. Her attempt to reframe a moment of authentic connection as a performance reveals a deep-seated fear of emotional vulnerability. This self-protective impulse is a direct consequence of her long-held family role, where she has been conditioned to manage crises and maintain control. The irony of her denial is underscored by Busy’s later observation that Stewart seems “lighter” and happier since their “relationship” began; while Dolly retreats into the safety of the pretense, the positive effects of their genuine connection are visible to those around them. Her struggle illustrates a central conflict in her character arc: Her powerful desire for intimacy clashes with a learned self-sufficiency that equates vulnerability with risk. For their fake dating relationship to evolve into something genuine, she must overcome this resistance to connection and allow someone to share in her burdens.


By structuring these chapters around simultaneous family emergencies, Monaghan advances the theme of The Importance of Accepting Love and Support by forcing Dolly into a position where she must depend on someone else. Stewart’s decision to drive to Point Judith to retrieve an injured Gus is an important turning point, demonstrating a form of care that transcends their professional arrangement. This act is a genuine effort to alleviate Dolly’s stress during a family emergency. When she arrives at Eight Oaks to find Stewart and Gus comfortably playing backgammon, the scene projects an image of domestic ease and integrated family life that destabilizes the clear lines of their contract. Dolly’s overwhelmingly grateful hug is an unguarded, spontaneous reaction, a significant crack in the emotional armor she wears. The episode reverses their established dynamic. Whereas she was the one to provide comfort during his panic attack, Stewart now offers her support, balancing their connection and proving their relationship can be a source of mutual aid.


The key business dinner in Boston further complicates the power dynamics between Dolly and Stewart, subverting the expectations of their class differences. Faced with Henry’s public skepticism about the Kramer deal, Dolly leverages her own background to save the negotiation. Her personal story about a local ice cream shop reframes the project’s value, shifting the conversation from pure profit to the intangible worth of history, memory, and community, an argument that successfully connects with Henry on an emotional level. In this moment, her working-class experience is a source of unique insight and persuasive power. The scene demonstrates her value to Stewart as a strategic equal whose perspective is essential. Their hand-holding at the end of the dinner signals a new stage of their partnership, where personal intimacy and professional success have become intertwined.


The consummation of their relationship in Dolly’s Boston apartment marks the final collapse of the barrier between pretense and reality. The choice of location is critical; by bringing Stewart into her personal, authentic space with its handmade quilts and family photos, Dolly is finally letting him see her true self outside of the “costume” of her public-facing role as his girlfriend. The act signifies a deeper level of trust than their previous encounters, moving beyond the performative settings of yachts and exclusive clubs. Stewart’s actions the following morning solidify this shift. In bringing her tea and asking her to “raise [her] expectations for [him]” (247), he explicitly acknowledges her self-protective emotional barriers and asks for a commitment to a real future. His words challenge her fear of abandonment and her tendency to expect disappointment, inviting her to fully embrace the vulnerability required for a genuine relationship. This moment completes the central arc of the fake dating trope, transforming their contractual arrangement into an authentic desire for a shared life.

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