Millions: How Would You Spend a Million in Cash

Frank Cottrell Boyce

48 pages 1-hour read

Frank Cottrell Boyce

Millions: How Would You Spend a Million in Cash

Fiction | Novel | Middle Grade | Published in 2004

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Chapters 1-5Chapter Summaries & Analyses

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

Chapter 1 Summary

Damian Cunningham and his brother Anthony have just moved into a new house with their father, and on their first day at Great Ditton Primary School, he instructs them to be excellent. During Art Hour, Mr. Quinn asks students to name people they admire, and most boys discuss football players. Damian volunteers St. Roch, St. Catherine of Alexandria, and St. Sexburga of Ely, whose name makes everyone laugh. Mr. Quinn thanks him three times to stop the lecture, but Damian’s stories inspire most of the boys to paint violent scenes.


At lunch, Anthony defends Damian from a teasing boy. When another boy named Barry takes Damian’s Pringles, Anthony tells him their mother is dead, and Barry immediately returns them. Anthony later tells Damian this tactic always works.


That afternoon, Damian imitates St. Roch by maintaining silence through class and the walk home. Their father rewards them for a successful first day with a Snowdrome trip. At the Snowdrome, Anthony again mentions their dead mother to secure special treatment on the toboggans.


The next morning, Mr. Quinn suggests Damian write about the Snowdrome for Literacy Hour. Damian’s essay mentions St. Lidwina, patron saint of skating, and concludes with a remark attributed to St. Clare of Assisi, likening saints to television.

Chapter 2 Summary

Damian explains that England will replace the pound with the euro on December 17. Old pounds are being transported by train to a secret location for destruction, and people are being encouraged to change their money into euros all over the country.


Anthony has developed a ritual of waving goodbye to passing trains carrying the old currency, treating the change sometimes like a personal loss, other times celebrating the convenience of the unified European currency.


The family collects spare change in a whisky bottle at home. Damian observes that money, like other things, can suddenly disappear.

Chapter 3 Summary

Damian notes that Anthony pays a lot of attention to real estate. He recalls that when their father first showed them the site of their future home, it was just a field marked with string. He eagerly agreed to move, believing they would actually live in the field and comparing it favorably to the unusual dwellings of saints like St. Ursula and St. Simeon.


Disappointed when they move into their new house, built on the site, Damian builds a “hermitage” from empty moving boxes near the railway embankment behind their house. While unpacking, he finds a box of his late mother’s things and brings a tube of her tinted moisturizer to the hermitage.


Inspired by another saint, Rose of Lima, Damian decides to practice mortification. He sleeps on the floor and walks to school in only socks. At school, Mr. Quinn notices that he is not wearing shoes, and a classmate is pricked after touching his shoulder—Damian has stuffed his shirt with holly. Mr. Quinn sends a letter home to Damian’s father, containing a page marked “Special Assessment.” That night, his father finds Damian sleeping on the floor, assumes he fell from bed, and lifts him back. Noticing the scratches on Damian’s shoulder, he asks him to be really good. After his father leaves, Damian returns to the floor.

Chapter 4 Summary

On Monday morning, the doorbell rings, creating a dilemma: Their father told them not to answer it when he’s not home, but they need to leave for school. Anthony resolves this by deciding they will simply exit, treating whoever is there as a coincidence. It is their neighbor Terry, inviting them to his house at seven o’clock.


After school, Damian suggests baking a cake. He and Anthony accidentally make pastry, which their father helps them turn into an apple tart.


At Terry’s house, they discover it is a Homewatch meeting. A community police officer named Eddie warns that new homes are statistically likely to be burgled. Three neighbors identify themselves as Mormon missionaries: Eli, Amos, and John. After Damian asks an inappropriate question about “virgin martyrs,” their father sends the boys to the kitchen, where the tart sits untouched. When Anthony mentions their mother is dead, Terry gives them two Oreos to take home.


Afterward, their father buys Chinese takeaway to compensate. At home, Damian becomes upset when his father and Anthony eat directly from the containers, insisting that they set the table like a proper family. His father observes that things are not normal, so they cannot act normally.


Unable to sleep, Damian goes to his hermitage at dawn and encounters St. Clare of Assisi in a vision. When he asks if she knows a St. Maureen (his mother’s name) in heaven, she says she does not. Damian feels happy that he has experienced a vision.

Chapter 5 Summary

Damian remembers his mother, who worked at a Clinique counter. One day, she did not pick them up from school, and when their father collected them, he said she was in the best place—which turned out to be the hospital. During her illness, her appearance deteriorated. Damian traces his interest in saints to this period, when medical staff and religious figures were frequently mentioned around her care.


After her death, people told the boys she had gone to a better place and instructed them to be good for their father, making Damian fear their father might leave, too. When talk of moving to Cromarty Close began, Damian believed it was the literal better place everyone had mentioned. Only upon seeing the housing development did he realize people had been speaking metaphorically about heaven.

Chapters 1-5 Analysis

The narrative immediately establishes the Catholic saints as Damian Cunningham’s primary cognitive framework for interpreting his environment. Although the overarching story is framed around a massive financial windfall, Damian begins his account by referencing the lives and histories of the saints, consulting digital resources like “totallysaints.com” to find patron figures for mundane activities. He frames this spiritual connection in modern terms, noting that saints “are like TV. They’re everywhere. But you need an aerial” (12). His fixation on these religious figures serves as an interpretive lens, allowing Damian to impose a rigid moral order onto a confusing transitional period in his life. He adopts the vow of silence of St. Roch to fulfill his father’s vague instruction to “be excellent” at his new school, demonstrating a literal application of saintly discipline. Drawing on the Christian saints as an ethical roadmap, the text positions Damian’s spiritual obsession as a structured attempt to navigate the complexities of his grief and the adult world. By establishing this framework early, the narrative grounds Damian’s perspective in an innocent seriousness, laying the psychological groundwork for the theme of Imagination as a Path to Healing.


These early chapters juxtapose the brothers’ divergent coping mechanisms, using their contrasting behaviors to highlight the unspoken trauma of their mother’s death. While Damian turns inward, Anthony externalizes his loss by leveraging it as a social and transactional tool. He secures snacks from a school bully and special treatment at the local toboggan run by casually mentioning his dead mother, noting that the tactic works consistently. Conversely, Damian seeks physical discomfort, practicing the religious concept of mortification, as a way to soothe his turmoil. Inspired by ascetics like Rose of Lima, he sleeps on the floor, walks to school in his socks, and stuffs his shirt with holly, resulting in physical scratches that prompt his teacher to request a psychological evaluation. When questioned about his lack of footwear, Damian earnestly replies that he is “[m]ortifying [his] flesh” (21). While Anthony’s behavior reflects a budding materialism in which grief is converted into an exploitable asset, Damian’s self-denial literalizes his emotional pain into physical suffering. This behavioral dichotomy emphasizes the isolation of their respective grieving processes; the boys are isolated in their grief. Furthermore, this section establishes their fundamentally incompatible worldviews, setting the stage for how their opposing values will shape the novel’s exploration of How Wealth Complicates Moral Decision-Making.


The trains that the boys see every day near their house operate alongside these personal struggles as an emblem of macroeconomic momentum and irreversible change. The story is set against the backdrop of the impending European Monetary Union, with a strict December 17 deadline to replace the British pound with the euro. Anthony obsessively watches the railway from a footbridge, waving at passing freight cars that he believes are transporting the old currency to be incinerated. This historical deadline introduces a ticking-clock constraint into the narrative, embedding national financial anxiety into the boys’ daily lives. Meanwhile, Damian constructs his cardboard “hermitage” near the railway embankment, seeking spiritual isolation in a space that physically shakes whenever a train roars past. For Anthony, the trains represent the literal transportation of wealth and the transition of historical value. For Damian, the tracks create a liminal boundary space where his vulnerable childhood sanctuary sits precariously close to immense, indifferent industrial power. The relentless movement of the railcars underscores the impersonal forces of commerce and adult industry that threaten to violently intersect with the boys’ localized domestic sphere.


Damian’s literal interpretation of adult euphemisms further exposes the cognitive dissonance between his innocent worldview and the evasive reality of adult communication, establishing the theme of The Moral Ambiguity of the Adult World. When the family prepares to move to the Portland Meadows development, Damian enthusiastically agrees because he believes they will be living in an open field marked by string, comparing the prospect favorably to the unusual dwellings of saints like St. Simeon. More significantly, he misinterprets the adults’ euphemistic reassurance that his deceased mother is in a “better place.” Because the adults in his life fail to provide clear finality regarding her illness and death, Damian assumes this phrase refers to a literal location, briefly believing that their new housing estate is the promised destination. When language fails to offer him concrete understanding, Damian attempts to fill the void by constructing a tangible spiritual reality, culminating in his vision of St. Clare of Assisi inside his cardboard hermitage. His frustration with linguistic ambiguity demonstrates the early stages of his innocence colliding with the adult world. By illustrating how adult evasion forces Damian to rely on his own theological imagination, the text highlights the vulnerability of a child trying to decode grief without a reliable adult glossary.

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