Dolly All the Time

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

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Chapters 9-16Chapter Summaries & Analyses

Content Warning: This section of the guide includes discussion of illness and pregnancy termination.

Chapter 9 Summary

When Dolly returns home with a new haircut and clothes, Gus and Christopher are unimpressed. Dolly takes Gus for ice cream and explains her business arrangement with Stewart Whitfield: She will pretend to be his girlfriend for a few events, and in return, he will pay for the new roof on their father’s house. Gus finds the situation “crazy” but understands, comparing it to pretending to be a professional baseball player for a while.

Chapter 10 Summary

Stewart picks Dolly up for a cancer fundraiser in Providence where he is being honored. Feeling insecure, Dolly asks for a compliment, which Stewart awkwardly provides after explaining he avoids complimenting employees for legal reasons. At the event, Dolly fumbles their cover story about meeting on bikes; Stewart supplies the park name (Boston Common), and the woman who asked which park they met at points out that cycling is forbidden there. In the restroom, she uses her personal sewing kit to fix a broken dress strap for Jennifer Quigley, the head of the charity. During his speech, Stewart reveals that Busy is a childhood cancer survivor. Afterward, to maintain their ruse, he leans in close to Dolly. She notices that he “sniffs” her and makes a joke, but she feels an attraction between them. On the ride home, Dolly gives Stewart dating advice, critiquing his hand-holding skills. They practice interlocking their fingers, creating a moment of unexpected physical intimacy that leaves Dolly aware of her attraction to him.

Chapter 11 Summary

While Dolly is working, she and Stewart exchange flirtatious texts. He calls to suggest they meet at his office to align their backstories as his parents are asking questions about her. Dolly convinces him to have their meeting on his boat the following Saturday instead. Soon after, Gus texts that he is biking home with a new friend, Clay. Dolly is overjoyed because Gus has had trouble making new friends in Boston after his interests diverged from his old friends. When the boys arrive, they discover they will both be attending lifeguard camp together.

Chapter 12 Summary

While washing dishes with Gus, Dolly mentions signing the papers for the new roof, then tells him about the upcoming boat trip. On impulse, she asks Stewart if Gus and his new friend can join, and Stewart agrees. Dolly calls Naomi to share the news. Naomi is convinced that Stewart has genuine romantic feelings for Dolly, but Dolly dismisses the idea. To explain their incompatibility, Dolly compares herself to a functional “Comfort Inn” and Stewart to a luxurious “Four Seasons.” Naomi rejects the analogy, insisting Dolly is a “Ritz-freakin’-Carlton” and advises her on what to wear.

Chapter 13 Summary

Stewart picks up Dolly, Gus, and Clay in an old Range Rover. At the yacht club, they board Stewart’s wooden sailboat, the Marian. Mid-journey, Stewart hands Dolly the helm and adjusts the sails while she steers them to a deserted beach called Ruddy Duck Cove. There, Stewart explains that when Busy was seven and fell ill, it prompted him to stop sailing at 17 and become a workaholic. He then leads Dolly through a dark cave to a secret grotto with a waterfall. While swimming, Dolly reveals that Gus’s father gave her $300 and told her to “take care of it” when he learned that she was pregnant (133). She used the money to buy a crib, and he does not know Gus exists. The intimate conversation creates a palpable physical tension, which Dolly cuts short by announcing she is hungry.

Chapter 14 Summary

While Gus and Clay explore, Dolly and Stewart continue their conversation on the beach. He admits he is not heartbroken over his ex-fiancée, and Dolly shares the story of her mother abandoning the family when she was 12. She describes how she was forced to take on a maternal role for her sister Patsy and Christopher and manage the household. Stewart recognizes their shared coping mechanism of “fending off the chaos” (141). The group enjoys an elaborate picnic prepared by Gladys, the Whitfields’ cook, and Stewart patiently teaches the boys how to tie sailing knots.

Chapter 15 Summary

Stewart drops everyone off and meets Dolly’s father, who thanks him for the new roof. After Stewart leaves, Freddie expresses suspicion about Dolly’s relationship, noting she is wearing Stewart’s hat and they seem “awfully familiar.” Dolly dismisses his concern, insisting it is all an act and that they might become friends. She is pleased, however, that the connection to the Whitfields will likely secure the Starlight Gala catering contract for the family fish house.

Chapter 16 Summary

Stewart invites Dolly to his family’s estate for dinner. Nervous, Dolly accidentally uses the delivery entrance. She is introduced to Stewart’s parents, Henry and Victoria Whitfield. Grant, Stewart’s cousin and rival for the position of CEO of Whitfield Industries, is also present with his mother, Ellen, and his wife, Kendall. When Dolly reveals her father owns the local fish house, Kendall performs a spit take, though Victoria notes approvingly that the fish house won the catering bid for the Starlight Gala and Henry responds warmly. Henry and Ellen fondly remember Dolly’s grandmother, Maud, who did sewing for their family and was known for her pies. During dinner, Stewart embarrasses Dolly by telling everyone she dislikes coffee when she is served a cup. He encourages her to ask for what she truly wants, tea with honey, telling her that he will make her practice stating her preferences.

Chapters 9-16 Analysis

In the novel’s second section, Monaghan exposes The Harmful Consequences of Class Division by showing how the socioeconomic disparity between Dolly and Stewart damages her self-perception and their budding relationship. When Dolly explains her and Stewart’s social incompatibility by comparing herself to a functional “Comfort Inn” and him to a luxurious “Four Seasons,” she reveals her deeply internalized sense of class inferiority. This analogy shows how Dolly measures her own worth against Stewart’s inherited wealth. She views herself as practical and sufficient but ultimately unremarkable, a service provider existing “by the side of the highway” for others’ convenience (119). This perception dictates her actions when she arrives at his lavish family home and instinctively uses the delivery entrance. Inside, the estate’s Gilded Age opulence reinforces the social chasm she perceives, and the gold-leaf acorns that abound through the space become a motif of The Harmful Consequences of Class Division. The theme is further explored through the varied reactions of Stewart’s family. Kendall performs a theatrical spit take at the mention of the Brick Fish House, a site of manual labor, while the older generation, Henry and Ellen, react with warm nostalgia, fondly recalling Dolly’s grandmother’s sewing and pies. This generational split suggests that long-standing service relationships have woven the working-class Bricks into the town’s social fabric in a way the younger, more class-conscious Whitfields fail to recognize. 


The narrative structure in these chapters juxtaposes highly public performances with intensely private confessions, a dynamic that accelerates Dolly and Stewart’s intimacy. The fundraiser in Providence is a carefully staged event where their role is to project a convincing image for a wealthy audience. Here, their conversation is transactional, focused on maintaining their cover story about meeting in Boston Common. In contrast, the trip on the Marian offers a secluded space far from the social pressures of Whitfield. This private setting facilitates a different kind of exchange, one built on genuine vulnerability rather than performance. The settings function as distinct arenas for their relationship’s development: The public spaces test the believability of their ruse while the private ones allow for the emotional honesty necessary for real connection to grow. This structural back-and-forth is central to the novel’s use of the fake dating trope, as the movement between public performance and private reality gradually breaks down the artificial boundaries of their arrangement.


Despite their class differences and the initial transactional nature of their connection, Dolly and Stewart begin to forge genuine intimacy through their shared experience of The Burden of Caretaking. The boat trip to Ruddy Duck Cove culminates in a journey to a secret grotto, a space that strips away their public personas and fosters deep emotional trust. The physical passage from the open sea, through a dark and disorienting cave, into a hidden, sunlit pool mirrors their emotional journey from a superficial arrangement toward deep intimacy. In the cave, Stewart, a man defined by his need for control, must guide them through total darkness, while Dolly, fiercely self-reliant, must surrender her control and trust him completely. This shared act of trust prepares them for the vulnerability that follows. In the grotto, Stewart confesses that his sister’s illness triggered his workaholism, and Dolly reveals that Gus’s father abandoned her with $300 when he learned she was pregnant. These confessions expose a shared foundation of trauma, as both were forced into immense responsibility at a young age. When Stewart observes Dolly is also “fending off the chaos” (141), he recognizes their common ground, identifying The Burden of Caretaking as a force that has shaped them both, momentarily transcending their class differences.


As Dolly and Stewart practice their romantic cover story, the narrative explores how the performance of intimacy can generate authentic feeling. On the ride home from the fundraiser, Dolly’s practical dating advice on hand-holding evolves into an unexpectedly charged moment of physical contact that makes her viscerally aware of her attraction to him. The clinical lesson becomes an intimate experience when he “entwines [their] fingers, each one slowly scraping the inside of [hers]” (107). The moment blurs the line between instruction and genuine connection. This dynamic is repeated in their other staged interactions, such as Stewart’s awkward but specific compliment about her thighs and his feigned whisper that results in him sniffing her. These calculated gestures are designed to convince an external audience, but they elicit authentic physical and emotional reactions in Dolly. Her insistence to her father that their relationship is just an act is steadily undermined by her body’s involuntary responses to their manufactured closeness, demonstrating the romance trope’s central premise that repeated performance can erode emotional defenses and cultivate real desire.


This section introduces the theme of The Importance of Accepting Love and Support through Stewart’s resolution to help Dolly advocate for herself. Dolly’s ingrained role as a caretaker manifests in her deep-seated reluctance to voice her own needs, a pattern Stewart begins to gently challenge. During the dinner at Eight Oaks, she is prepared to drink the coffee she dislikes rather than cause a fuss, viewing the simple act of requesting tea with honey as an “absolute arrogance.” Her discomfort reveals a person conditioned to be accommodating, a direct result of her mother’s abandonment and the responsibilities she subsequently assumed for her sister and father. The memory of the house smelling of “garbage and decay and giving up” after her mother left is the chaos she has fought ever since (140), and she’s suppressed her own needs to maintain order. Stewart’s insistence that “it’s okay to say what [she] want[s]” is an important turning point (160). His comment confronts her learned self-denial and introduces The Importance of Accepting Love and Support by validating the desires she reflexively stifles. His promise to make her “practice” asking for what she wants signifies a shift in their dynamic from a business arrangement to a relationship in which he is invested in her personal growth.

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