54 pages 1 hour read

Iona Iverson's Rules for Commuting

Fiction | Novel | Adult | Published in 2022

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Chapters 40-51Chapter Summaries & Analyses

Chapter 40 Summary: “Piers”

09:48 Surbiton to Hampton Court


Things have improved for Piers since the “lost morning.” Candida has reorganized their finances. He sees Martha at the train stop and offers to continue their tutoring sessions. Martha jokes about spending her day with old people tracking down a missing “agony aunt” (i.e., advice columnist) but says she prefers spending time with adults, as the rules are clear with them, rather than trying to navigate the social world of teenagers. They meet up with Sanjay, who is forlorn about Emmie disappearing. David organizes a search.

Chapter 41 Summary: “Martha”

Martha reads Iona’s address off a book the newsagent uses to make deliveries, and the train gang finds her house. David rings the bell, and they hear Lulu barking. Piers climbs over the gate to look in the back.

Chapter 42 Summary: “Iona”

Iona is hiding from her friends, but when she sees Piers looking through the window, she lets him in. He tells her he lost his job three months ago and kept commuting because he was ashamed. Her friends admire the house, especially a picture of young Iona and Bea dancing in the Folies Bergère. Emmie thought Iona had been in the Royal Shakespeare Company, but Iona and Bea were burlesque dancers, which is how they met.


Iona serves tea as her friends look at pictures from her It Girl days. Iona admits she was humiliated by what happened at work, saying, “I’m young. I’m only fifty-seven. I’m in my prime” (220). Now she feels irrelevant and doesn’t know what to do with herself. Iona asks what everyone has been up to and doesn’t believe they need her help to sort their problems out. Piers asks where Bea is.

Chapter 43 Summary: “Sanjay”

Iona reveals that Bea was diagnosed with early-onset Alzheimer’s seven years ago. She is now in a care home, and Iona needed her job to pay the fees. Iona shows the others Bea’s garden, and Sanjay apologizes for what he said. He reveals what’s troubling him, and Iona suggests his anxiety is related to his empathy. She suggests he look for a counselor or support group at work.

Chapter 44 Summary: “Piers”

Piers asks Iona to be his therapist. She says she lacks qualifications, besides being “an incurably meddling ex-socialite” (230). However, she agrees he can visit twice a week and bring her fresh flowers.

Chapter 45 Summary: “Iona”

Iona feels different from the “useless, lonely old woman” (232) she saw in the mirror that morning. Seeing her friends has revitalized her. Recognizing that Martha needs a parental figure, Iona invites her to do homework at her house, then practice her lines for the play. Iona sends Emmie a message on Instagram and thinks of Bea as she goes to sleep.

Chapter 46 Summary: “Martha”

At a school assembly, Martha rehearses lines under her breath. She has a new set of friends in the cast from the play, and her grades are improving. The principal introduces Kevin Sanders, who will be helping in the math department. Martha recognizes Piers. He offers tutoring at lunchtime, and Martha confronts him. Piers admits he changed his name from Kevin to Piers to escape memories of his rough childhood. Martha warns him she won’t be able to act friendly with him in front of her friends.

Chapter 47 Summary: “Piers”

17:30 Waterloo to Surbiton


Piers likes his new teaching position. At his stop, he buys dinner, a bottle of wine, and a bouquet of white roses for Candida. Over dinner, he thanks Candida for standing by him. She informs him she is leaving him for the man she has been having an affair with. Piers always felt Candida was too good for him.

Chapter 48 Summary: “Iona”

19:35 Hampton Court to Wimbledon


Iona bathes Lulu and thinks about how much better Piers seems during their weekly sessions. David calls and invites her to his home. Iona brings the white roses Piers gave her. David, who is a solicitor, reports that things are improving with his wife, Olivia. Iona resents a bit that David, though older than her, is still taken seriously in his profession.


David introduces a colleague, Deborah, who interviews Iona and believes she can convince Iona’s magazine to offer her a settlement for forcing her resignation. As she recounts all the subtle slurs and slights about her age, Iona feels a weight lifted: “It was, she saw, more subtle and insidious than the bullying Martha had to contend with, but no less damaging” (254).

Chapter 49 Summary: “Emmie”

08:08 Thames Ditton to Waterloo


Emmie is both hurt and relieved that Sanjay is avoiding her. She wishes she could talk to someone about her fear that her world is shrinking until “all it contained was her and Toby” (255). That day at the café, she’d been waiting for Sanjay when Toby called to her from his car, parked across the street. He’d followed her and insisted she come home. Emmie thought his jealousy should be flattering, but she isn’t sure of the difference between concern and control. She approaches Sanjay and asks to sit by him.

Chapter 50 Summary: “Sanjay”

08:19 New Malden to Waterloo


Emmie tries to apologize for abandoning Sanjay that day, saying her fiancé was a bit upset. When she describes Toby’s actions, Sanjay warns Emmie that he has seen many women come into the ER with injuries from domestic abuse by jealous partners. He cautions her to know Toby very well before she marries him.

Chapter 51 Summary: “Emmie”

Emmie, thinking over Sanjay’s words, recalls how Toby has begun to control her money and what she wears. He keeps trying to persuade her to quit her job. She sees Iona’s message on Instagram, with Iona’s home address. Toby leaves for the evening, and Emmie goes into his study to look around. In a locked drawer, she finds his old cell phone and sees that he used it to send the harassing messages from her “friend.” Then she finds the wallet she thought she lost on the Tube two years ago, when Toby rushed in to rescue her. She realizes he has been isolating her, making her dependent on him, and cutting off her escape routes. She places her ring on the desk, takes her wallet, packs a suitcase, and leaves.

Chapters 40-51 Analysis

This section of the book brings the narrative to the moment of crisis—a climax or turning point after which nothing will be the same. By the end of this section, all the characters have reached a crisis moment, while some are beginning to make steps toward repair, healing, and resolution.


The section opens with Iona at her lowest point. Having lost her job, she feels isolated and disconnected, returning to the theme of Endings and New Beginnings. It is David, the most senior of the “train gang,” who takes the lead in finding her. The narrative dwells on the different characters’ viewpoints about their ages. To Martha, characteristically, anyone in their 20s or beyond is “old.” For her, navigating the social relationships of her peer group seems like a minefield, while she assumes adults have authority and more clarity about such things. Piers, not yet 40, insists he’s not old but in his prime. Iona still feels young and thinks of herself as in her prime also. Iona acknowledges the double standard in which marks of aging give a man distinction but are held against a woman, deeming her less attractive. Deborah, David’s colleague, is the one who helps Iona realize that the treatment she received at work was in fact a type of discrimination, not very different from the bullying Martha endured. This revelation gives Iona the courage she needs to seek a new path forward after her firing.


This section also sees other characters emerging from their lowest point. Martha won the starring role in her play, which leads to new friendships and opportunities for her. Piers has another low point when his wife announces she is leaving him, but he has already begun to repair his career and his sense of self-worth by taking a teaching position at Martha’s school. Both Piers and Martha show how important it is to personal happiness to maintain or pursue one’s passions, even when that means breaking with old ways of living and being.


Emmie, who has seemed to be enjoying the most good fortune, hits her lowest point at the end of this section, suggesting that sometimes, what a person thinks they want, or what they work for, isn’t what they truly want and sometimes isn’t the best thing for them. Piers thought he had to keep his wealthy lifestyle to make his wife happy and keep his children secure. Martha thought she needed to behave as others wanted to fit in. Iona thought she needed her job for a sense of purpose—in addition to the money to support Bea’s care—when her job was destroying her confidence and her sense of self. Emmie realizes Toby specifically set out to undermine and hurt her. She thought she had a model romance, all while being manipulated. She, too, confronts a turning point in her character arc, facing the wreckage of the life she wanted and is now forced to rebuild.

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