47 pages 1-hour read

It's a Love Story

Fiction | Novel | Adult | Published in 2025

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Character Analysis

Content Warning: This section of the guide includes discussion of bullying and mental illness.

Jane Jackson

Jane Jackson is the protagonist and first-person narrator of the novel. She is 33 years old and lives full-time in Los Angeles, California. As a child, Jane appeared in the television show Pop Rocks as the nerdy, awkward teenager, Janey Jakes. Although decades have passed since, Jane feels incapable of escaping her childhood television persona, and she remains desperate to prove herself in the film industry as an adult. This is why, for example, she is so determined to produce the True Story script. It “has given [her] this tiny ache, the sneaky kind that attaches itself to hope” and lets her believe again in the possibility of making work that’s meaningful to her (20).


Jane presents one persona to the world but feels like a different person at heart. The disparities between her external and internal versions of self partially originate from Jane’s childhood experiences. As a teenager, she was seen as an ugly, socially inept outcast. As an adult, she still struggles with these same anxieties, perpetually convinced that she’s incapable of giving and receiving love because no one appreciates the real her. Her behaviors, habits, and styling convey the difficulties she faces in Reconciling Past and Present Identities. She hides under her desk, hides in her closet, writes “please” on her furniture, dresses meticulously, obsessively straightens her hair, and limits her romantic encounters and social outings. These behaviors convey Jane’s deep and abiding fear of vulnerability. Because of how her Pop Rocks co-stars disparaged her, she is convinced that if she reveals her true self to others, she’ll face more rejection.


Jane gradually evolves as a result of spending time with Dan Finnegan, working on the True Story script, getting to know the Finnegans, and visiting Long Island. When she leaves California for New York near the novel’s start, Jane is skeptical of the trip. However, being away from home, spending time outdoors, and falling in love help her to see herself and her future differently. With Dan, she particularly discovers The Importance of Vulnerability in Intimate Relationships. Dan is not only open and honest, but he also trusts Jane with the most intimate details of his heart. The two gradually develop emotional and physical intimacy, and in time, Jane starts to open up about her paternal disappointments, maternal frustrations, social anxiety, and romantic letdowns. Doing so helps her reconcile with the past, creating room for new experiences and relationships in turn.


Jane proves herself to be a dynamic character by the novel’s end. She not only engages in a committed relationship with Dan but also makes amends with her mom, strengthens her relationship with her best friend Clem, and forges a career path that’s true to her.

Dan Finnegan

Dan Finnegan is a primary character and the novel’s male romantic lead. Dan is 32 years old and lives full-time in LA, where he works as a cinematographer. He also dabbles in photography and painting, pastimes that convey his innately artistic sensibility. When Jane and Dan first meet, Jane is not only drawn to Dan’s attractive appearance but also to his devotion to his artistic vision. He risks getting hit by a car simply to capture an inspiring image of a hawk with his camera. Further, he is open, charming, real, and witty. The way Jane muses on his character during their initial meeting establishes her initial interest in him:


He’s a few inches over six feet, with that uncombed hair and those rectangular eyes. His face is sharp lines—high cheekbones and a square jaw. He’s striking, but take all of that away and you’d still notice him for the way his eyes were trained on a spot behind me. There was a certainty and purpose in the way he carried his body (67).


Dan has a commanding presence that gets Jane’s attention. At the same time, it’s Dan’s attention and focus that suggest his pure heart and capacity for empathy. Jane’s description of Dan’s physicality and demeanor implies that he is strong and stable, traits that ultimately will make Jane feel safe with Dan.


At the same time, Jane finds her and Dan’s professional disagreements repellent. Shortly after the two meet, she discovers that he is unwilling to sacrifice his ideals for the sake of making money or pleasing the studios he’s working with. His devotion to his vision comes into direct conflict with Jane’s willingness to do anything to establish her reputation and get the industry’s approval and validation. This dynamic creates tension between Dan and Jane, sparking their enemies-to-lovers dynamic.


Dan proves himself to be a loving, honest, open, and caring character. The more time that Jane spends with him and his family at their home in Oak Shore, Long Island, the more apparent Dan’s positive qualities become. He is one of five sons, a twin, and the proverbial black sheep. His brothers Aiden, Connor, Brian, and Finn love Dan, but Dan has a different way of carrying himself than they do. Because he’s protective of his distinct traits, he’s chosen to live on the other side of the country from his family. At the same time, Dan throws himself into family life when he’s home. He loves and respects his parents and even desires a relationship like theirs. He also invests in his nieces and nephews, his brothers, and their spouses. Observing these aspects of Dan’s character and family dynamics helps Jane understand him better.


Dan offers Jane love, validation, and security. He doesn’t simply love Jane because she’s beautiful and funny, but because he sees her soul. Their relationship ultimately functions well because the two are willing to share their vulnerability and shepherd each other through hard and happy times.

Clem

Clem is a secondary character, and she is Jane’s best and only friend. When Jane introduces her character, she asserts that Clem “was my first friend at UCLA, and maybe my first real friend anywhere” (28). Ever since the college days they shared together, the two have remained close. They even live together as roommates in the narrative present. Jane sees Clem as “a secret place [she can] go to tap into [her] inner underdog and feel like it [is] all going to be okay” (28). A classic best friend character, Clem offers Jane support. She validates Jane’s true self while also challenging her toward change. Because Clem knows Jane better than anyone—even Jane’s mother—Jane trusts her. Further, Clem’s responses to Jane’s stories, worries, and experiences provide a more distanced and less subjective perspective on Jane’s evolving identity.


Clem’s character also helps Jane to remember The Transformative Power of Friendship and Family. She doesn’t let Jane down, and her reliability and support are illustrated by her consistent responses to Jane’s text messages and phone calls. She encourages Jane, offers advice, and reminds Jane of who she is. Through Clem, Jane finds safety, peace, and courage. Clem is a static character, but her lack of change over the course of the novel is a sign of her consistency rather than her immobility. Jane can count on Clem to be strong, responsive, and honest, and her stasis facilitates Jane’s growth and offers her safety.

Jack Quinlan

Jack Quinlan is a minor character. He is Jane’s former co-star on Pop Rocks. In the narrative present, he is a pop icon. He has risen to such popularity in the music industry that every time Jane “turn[s] on the radio,” she hears “Jack Quinlan playing” another hit song (6). Jane respects Jack’s career, but she’s also envious of him—unlike herself, Jack has an established reputation. His work from the past has ushered him on a pathway toward obvious vocational and artistic success. When Jane hears his music, she can’t help feeling disappointed and resentful, and with his example, Monaghan shows exactly what Jane considers success at the beginning of the novel.


Jack is also the antagonist of the novel. Although he doesn’t have stereotypically villainous traits, he does bully, degrade, disparage, and demean Jane. When they were young, Jack acted as if he was interested in Jane, but as soon as Jane admitted she had feelings for him, Jack insulted her. Ever since, Jane has believed that Jack’s assessment of her character is accurate and that she is inconsequential, unlikable, and antisocial. His outsized role in her adult life highlights the powerful effect of her childhood trauma.


In the present, Jane’s traumatic history with Jack complicates her ability to confront her past and overcome her insecurity. In order to realize her dream of producing True Story, she has to work with Jack. However, she fears asking Jack for help because the wounds he caused her years prior still haven’t healed. These dynamics create narrative tension and intensify Jane’s work to heal.


Jack’s character is static. When Jane sees him again, Jack is just as cruel as Jane remembers. His lack of change proves that he is an insensitive person at heart. Jane has to discard his insults to claim her true identity, and in doing so, she transcends Jack’s emotional power over her.

The Finnegans

The Finnegans are Dan’s family: his parents, Maureen and Cormack, and his brothers, Aiden, Connor, Brian, and Finn. Aiden is Dan’s identical twin, but because all the Finnegan brothers look so similar, those who know them tend to regard them as interchangeable. Dan left Long Island to escape this limiting notion of his identity. He wanted to distinguish himself and protect his individuality. At the same time, Dan hasn’t estranged himself from his brothers and parents. He loves Aiden, Connor, Brian, and Finn and relies on their loving and playful dynamic. He also admires and respects his parents. He sees their 40-year relationship as an example of true love and hopes to foster a similarly deep connection for himself.


Jane grows as a result of her experiences with the Finnegans. As a family, they are raucous, excitable, and adventurous. However, they’re also empathetic, real, and caring. Jane is honored to be welcomed into this dynamic. The Finnegans know little about Jane when she arrives at their Oak Shore home, but they never question why Jane is there. They invite her to participate in their family culture and strongly encourage her and Dan’s connection. In these ways, the Finnegans reinforce the transformative power of friendship and family for Jane. 

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