52 pages 1-hour read

Off to the Races

Fiction | Novel | Adult | Published in 2021

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Chapters 21-27Chapter Summaries & Analyses

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

Chapter 21 Summary: “Billie”

The next morning, Billie is torn between pleasure at her encounter with Vaughn and panic over how this event will affect their future relationship. She feels embarrassed to have expressed her desire for him so openly. 


She checks on DD, who is recovering, and then mistakenly picks up Vaughn’s phone, believing it to be hers. When she sees a message from Vaughn’s mother, notifying him of a date he has with another woman next weekend, she feels foolish for believing Vaughn’s intense expressions of desire for her. She finds it impossible to believe that he was being honest if he already had another date waiting. While she does accept the truth of Vaughn’s claim that he goes on dates to humor his mother, she holds him responsible for not standing up to his mother. She vows to remain purely professional with Vaughn from this moment forward.


Vaughn awakes and kisses her, but she quickly pushes away, citing a meeting with Dr. Thorne. She offhandedly mentions that he has a message from his mother and then kicks herself for her immaturity.

Chapter 22 Summary: “Vaughn”

Vaughn groans when he reads the message and suddenly understands Billie’s change of mood. However, he plans to continue pursuing her, as their night together left him eager for more. He ignores Billie’s attempts to brush him off and promises to return after a quick shower. On the way home, he calls his mother and tells her to stop setting him up on dates, though he worries that this will fracture their tenuous relationship. His mother reluctantly agrees to abide by this new boundary.


Billie avoids Vaughn for days, and he grows increasingly anxious about his plans to woo her. He feels “out of his depth” and struggles emotionally as Billie’s distance exacerbates his own history with abandonment (229). He is relieved when she texts him, asking to talk, and then feels disappointed when she wants to discuss work. Billie wants Violet to be the next jockey who rides DD, and she champions the younger woman’s virtues, seeing DD’s trust in Violet as being far more important than Violet’s inexperience as a professional jockey. When Billie asks Vaughn to trust her, he agrees, though he must forcibly push aside his awareness of his grandfather’s betrayal to do so.


When he asks if she would like to spend time with him that weekend, she claims to have plans, and he recognizes her evasion as a way to cover up her hurt feelings. He reaffirms his commitment to proving himself to her.

Chapter 23 Summary: “Billie”

Billie laments the foolishness and cowardice that compelled her to lie about having plans. She dislikes the fact that Vaughn never spoke to her honestly about his date, and she feels hurt. She finds Violet and shares the good news about her promotion to the role of jockey, which she reminds Violet was earned through hard work. She then urges the younger woman to spend time with her the following evening. They plan to go to a local bar to celebrate Violet’s promotion.


Billie enjoys dressing up to go out with Violet the next day. They talk late into the evening and get to know one another better. Upon returning to the ranch late, Billie is annoyed to find Vaughn waiting at her house. They snap at one another; Billie explains that she was out with Violet, not on a date, and Vaughn reports that he didn’t attend the fundraiser. He also explains that he told his mother not to set him up on any more dates. Billie protests that they should keep their relationship professional, but she lets him push her gently inside.

Chapter 24 Summary: “Billie”

Vaughn outlines his desires for their relationship: that they work together professionally and have a romantic relationship. He regrets “backing off” the previous week, but he promises to leave her alone if she tells him that she doesn’t want to be with him. She doesn’t deny wanting him, though she still fears that a romance between them will end poorly. She feels validated that Vaughn has “chosen” her—something that nobody else in her life has ever done.


They kiss, promising not to keep any more secrets from each other. As they have sex, they declare how much they want one another. Billie feels safe enough to be emotionally vulnerable with Vaughn.

Chapter 25 Summary: “Vaughn”

Vaughn wakes after a night of sex with Billie. He worries that her unpredictability will one day compel her to leave him, though he understands why she struggles with trust. When she wakes up, they have oral sex and then sex without a condom, which Vaughn finds pleasurably intimate. Over breakfast, Billie asks that they keep their relationship quiet for the time being so that she can temper the professional repercussions of having a sexual relationship with her boss. Though Vaughn dislikes the idea, he is willing to do “whatever it takes” to support Billie’s career (262).


Vaughn’s phone rings. He assumes that another reporter is calling, so Billie answers on his behalf. The caller identifies himself as Stefan Dalca. He is a wealthy and enigmatic man who recently appeared out of nowhere in the close-knit horse racing community. (Billie’s narration reveals that Dalca tried to get information about the ranch from her previously, but she refused to tell him anything.) Dalca implies that he wants to buy DD, but Vaughn brushes him off; he doesn’t want to work with this “shady” man. When Dalca claims to have worked with Dermot, Vaughn grows angry and hangs up on him.

Chapter 26 Summary: “Billie”

Billie combs DD, reflecting that Vaughn didn’t officially confirm whether or not he plans to sell DD. Though she knows that he doesn’t owe her an explanation, she plans to have an honest discussion about her issues with trust, and she also wants to explain that their romantic relationship will make their professional dealings more complicated. When she is finished grooming DD, she heads over to see Vaughn, recognizing that Dalca’s call rattled him.


Vaughn explains that Dalca emailed an offer to buy DD, but it’s “not enough” to tempt Vaughn, particularly given Dalca’s implication that he has damning information about Dermot. Billie confides that her childhood was spent “being groomed to make someone a gracious wife” (272), and Vaughn jokes that this would be a terrible role for her. Billie goes on to reveal that her parents were more concerned with image than with what Billie wanted to do in life. Her father’s scandal broke when she was 17, and Billie left her family on her 18th birthday. She hasn’t spoken to them since, save for her elder brother, Rich. She believes that forcing someone to cover up for your mistakes is antithetical to love, and she declares that although people have frequently disappointed her, horses never have. Vaughn earnestly tells her that he does not want to disappoint her; Billie is hopeful that he won’t. That night, when they have sex, Billie reflects that she and Vaughn now understand one another better.

Chapter 27 Summary: “Billie”

When Billie heads to the track early the next morning, a grumpy Violet is already riding DD. Vaughn brings Billie coffee, a long-standing habit, but Violet recognizes that the energy has shifted between them. She asks them about their relationship; Billie asks about Violet’s bad mood. Neither answers. Violet and DD’s practice run goes well, leaving Billie optimistic about their upcoming race. Hank praises Billie for becoming an extremely skilled trainer. His approval pleases Billie.


Billie spends several busy weeks training DD and other Gold Rush Ranch horses. She feels increasingly optimistic about DD’s chances at a race that weekend; this would be the horse’s final chance to qualify for the Denman Derby. When her anxiety swells, she confides in Vaughn, whom she considers “too good to be true” (283); she is still “waiting for the other shoe to drop” (284). Vaughn reassures her that his feelings for her are real and that he wants a long-term relationship with her. He urges her to focus on her upcoming race, as she has earned this professional accomplishment.


On the morning of the race, Billie is nervous, but Hank and Violet are calm. She considers hiding in the barn during the race, but Hank urges her to watch DD’s moment of triumph. She carefully prepares DD for the race.

Chapters 21-27 Analysis

In these chapters, Billie and Vaughn work through some of the significant emotional obstacles to their romantic relationship, sifting through a series of false impressions before gaining a far more realistic understanding of one another. Notably, these scenes reveal the protagonists’ lingering flaws. When Billie sees the text message from Vaughn’s mother, she must face her tendency to see the worst in potential romantic partners. Similarly, Vaughn must come to terms with the fact that his passive acceptance of his mother’s unsolicited matchmaking is hurting his chances at developing a real relationship. By setting a firm but honest boundary with his mother, he enters a more mature stage of his relationship and repairs his misunderstanding with Billie. 


Billie and Violet’s growing friendship also highlights their attempts at Overcoming Sexist Attitudes in Male-Dominated Fields by working to support one another. Violet’s promotion to jockey benefits many of the characters associated with the ranch, and her success in riding DD during the race is a boon to her profession and Billie’s alike. Likewise, DD’s triumphs bolster the reputation of the ranch, and his more positive experience with racing aids in his long-term rehabilitation. As Violet and Billie’s personal relationship grows alongside their professional one, they both gain vital emotional support to help them through the stressful challenges of their jobs. Silver therefore suggests that all these benefits occur when women support one another in stereotypically male-dominated spheres.


Because Vaughn and Billie are already working through the primary conflicts obstructing their romance, Silver introduces an external conflict in the form of Stefan Dalca to further complicate the narrative. The threat that Dalca poses is still vague at this point, but his offer to purchase DD clearly threatens to disrupt the tentative trust that Vaughn and Billie are building. Additionally, Dalca’s implication that he has evidence proving Dermot’s culpability in fixing horse races foreshadows additional disruption to come. When Vaughn angrily hangs up on Dalca, his reaction advertises his ongoing failure to come to terms with The Struggle to Forgive Family Members. Painfully reminded of Dermot’s tattered reputation, Vaughn resents being thrust into the limelight of such negative public attention. Fortunately, Billie’s support mitigates his distress, and as he and Billie speak openly and honestly with one another about their pasts, their emotional growth enhances the dynamics of their intensifying romantic connection.


Because Silver pens romance series in which minor characters in earlier installments are later featured as full-fledged protagonists in their own novels, these chapters lay the groundwork for the remainder of her series and hint at deeper details of Violet’s backstory. In Chapter 27, for example, Billie notices that Violet is in a bad mood, but Violet deflects her questions, and the narrative does not explicitly return to this issue. Silver deliberately leaves this loose thread to suggest that there is something mysterious about Violet that will only be revealed in a different installment in the series.

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