60 pages 2-hour read

The Widow

Fiction | Novel | Adult | Published in 2025

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Chapters 14-26Chapter Summaries & Analyses

Content Warning: This section of the guide includes discussion of graphic violence.

Chapter 14 Summary

Late in the afternoon, Clyde Korsak, Netty’s brutish estranged stepson, storms into Wally Thackerman’s law office and demands to discuss Netty’s will. Fran, Thackerman’s secretary, tries to stop him, but Clyde forces his way to Thackerman’s desk and places his gun on it to threaten Thackerman. When Thackerman still refuses to talk, citing client confidentiality, Clyde throws hot coffee on him and attacks him. Fran seizes Clyde’s pistol and fires a warning shot into the ceiling. Clyde flees and is later arrested.


The next morning at his office, Simon reads about the assault. He calls Netty, who reports that Clyde has been calling her from jail demanding bail money. She agrees to meet Simon at his office.

Chapter 15 Summary

Netty meets Simon and explains that two nights earlier, Clyde arrived at her house uninvited, found a letter from Thackerman about the will, and demanded money. After she refused, she changed her locks. Simon tells her to let Clyde remain in jail and to avoid Thackerman. Simon goes to the courthouse, confirms that Thackerman’s injuries are minor, and watches a judge refuse to lower Clyde’s bond.


Worried about Netty’s safety, Simon arranges for her to hide out at a hotel on Lake Murray. He follows her home to help her pack and is alarmed by her erratic driving.

Chapter 16 Summary

As Simon drives Netty toward Lake Murray, he privately questions whether her wealth is real. On the road, Thackerman calls Netty, and Simon has her put the call on speaker. Netty denies telling Clyde that Thackerman was her lawyer. After she ends the call, Simon explains that Thackerman may drop the charges to keep the will’s unethical terms private.


At the hotel, Simon checks Netty in using his credit card. Days later, the manager reports that Netty charged more than $4,000 to his now maxed-out card. Simon confronts her, and she claims it was a misunderstanding. She grudgingly settles the bill with her own card.

Chapter 17 Summary

Over the next two weeks, Thackerman negotiates a plea that reduces Clyde’s case to a misdemeanor, and Clyde is released. Soon after, Netty calls Simon with an emergency from traffic court. She was ticketed for speeding, driving the wrong way, and driving on an expired license. Simon goes to the courthouse and speaks with Lieutenant Andy Reece, who confirms the seriousness of the violations, and the fact that this isn’t the first time Netty has been ticketed for her driving. Simon obtains a continuance.


Over coffee, Simon warns that she risks losing her license. Netty suggests they meet her friend Doris Platt for lunch, but Simon refuses.

Chapter 18 Summary

On a Saturday in September at Janie’s soccer game, Paula says a corporate merger threatens her job and demands $12,000 to finalize their divorce settlement. Frustrated, Simon places a large batch of college football bets.


That night at Chub’s Pub, he celebrates his winnings. A stranger introduces himself as an FBI colleague of Yolanda, Simon’s former girlfriend, and warns him that Chub’s illegal gambling operation is under federal scrutiny. The next day, Simon returns to the pub and asks Spade to warn Chub about the investigation.

Chapter 19 Summary

On Monday morning, fearing phone surveillance, Simon uses his office landline for sensitive calls. He notifies Netty’s insurance company about her pending tickets and calls his business banker to secure a $25,000 line of credit for Paula’s demand. He then tells Matilda that he and Paula are divorcing and that he now lives in the office. Matilda offers help.


After she leaves, Simon notices that Matilda has lost weight, is dressed in more becoming clothes, and generally seems happier. He wonders if she has started seeing someone.

Chapter 20 Summary

Simon meets Netty for lunch. She says Thackerman has continued to call and is pressing for a meeting. Simon advises her to meet him. When the conversation turns to funeral plans, Netty grows upset. Simon brings up his fees and tells her she owes just over $3,000. She agrees to pay.


Back at the office, he instructs Matilda to prepare and mail an itemized invoice for $3,650.

Chapter 21 Summary

Several days later, Simon draws a $12,000 advance on his credit line. He withdraws $7,900 in cash, meets Chub, pays off his gambling debt, and announces his retirement from betting. Two days later, he runs into Yolanda, his old law school girlfriend he calls “Landy,” who is now an FBI agent. They meet for a drink.


Landy confirms that investigators are targeting Chub but consider Simon a minor player who likely faces no charges. They reminisce about their relationship, flirt, and exchange phone numbers.

Chapter 22 Summary

Back at his office, Simon watches through his window as Netty enters Thackerman’s office. With Fran listening, Thackerman questions Netty about how Clyde knew Thackerman represented her. Following Simon’s coaching, Netty deflects his questions, reveals nothing about her new will, and refuses his lunch invitation.


Later, Simon meets Netty at a Vietnamese restaurant. He tells her he negotiated her traffic case down to a single ticket and a small fine. While this result could have been achieved by any lawyer, Simon plays it up as a masterful sign of his professional expertise. Relieved she will not have to return to court, Netty thanks him. Simon pays for lunch again.

Chapter 23 Summary

On Thursday, December 17, Sergeant Pully calls Simon to report that Netty crashed her car and asks him to come to the hospital for details. At the hospital, Pully explains that Netty, with a blood alcohol level of .09 (so, three times the legal limit), ran a red light and T-boned another car, injuring two people. Doris Platt, her passenger who was also injured, confirms these facts. Simon also learns Netty’s insurance was recently canceled.


He finds Netty with broken ribs and a serious leg injury. She asks him to stay, and he remains overnight, thinking about his greed and her severe legal and financial trouble.

Chapter 24 Summary

The next morning, Simon tells the head nurse, Loretta Goodwin, to keep police from questioning Netty. When he returns to his office, two FBI agents arrive and ask about Chub. In a slightly hostile exchange, Simon invokes his right to counsel. Back at the hospital, he learns that Netty needs surgery and that the staff requires legal directives.


In the absence of any family members or other proxies, Simon drafts a power of attorney and an advance directive. Netty signs both documents in front of Dr. Connor Wilkes, the hospital’s CEO; she explains at length that she fully understands that she is granting Simon complete authority over her affairs. Simon then confronts Sergeant Pully and forbids him from taking Netty’s statement.

Chapter 25 Summary

Several days after the accident, Simon uses his power of attorney to enter Netty’s house. The house is clean and tidy. He finds unpaid bills but no bank or brokerage statements and again fears she fabricated her fortune. Norris and Rose Frazier, neighbors who seem both worried about Netty and annoyed at her standoffishness, interrupt him with questions. He returns to his office, convinced he was duped by his elderly client.


While organizing her checkbook, he discovers a small notebook hidden inside. It contains handwritten entries listing multi-million-dollar stock and cash holdings. Simon rationalizes that her wealth must be real, but that she is a secretive and paranoid person who has asked her financial advisers not to send her paper statements. Relieved, Simon goes to the hospital and reassures Netty.

Chapter 26 Summary

Two days before Christmas, Matilda announces an unscheduled visitor. Jerry Korsak, Clyde’s brother, requests a meeting. He calls Netty “Mom,” claims Netty called him, and that they speak often. He fishes for details about her will and says his father promised him and Clyde an inheritance. Simon sidesteps his questions until Jerry leaves.


Simon heads to the hospital. Loretta tells him that Netty feels unwell and that no one visited. She hands him a business card from another local lawyer who was snooping around Eleanor’s room earlier.

Chapters 14-26 Analysis

This section of the narrative documents the acceleration of Simon’s moral and professional descent, transforming his passive discontent into active scheming. The Corrupting Influence of Greed is no longer an abstract temptation but a concrete, driving force. Initially, Simon’s plan is opportunistic; however, Clyde Korsak’s violent assault on Thackerman forces Simon to become a proactive manager of his own deception. His decision to hide Netty at a hotel is a strategic maneuver to isolate her from competing influences. The car accident proves to be the ultimate opportunity, allowing him to formalize this control through a power of attorney. His internal reflections reveal a shift from rationalization to self-interest. After Netty’s accident, he admits to himself that his “otherwise good judgment was corrupted by greed” (143), a moment of self-awareness that fails to alter his course. The discovery of the hidden notebook, which appears to validate the $20 million fortune, functions as the point of no return of his commitment to the scheme.


The narrative deepens its exploration of The Inevitable Collapse of a Life Built on Deception by illustrating how one falsehood necessitates a cascade of others. The motif of secret lives expands from Simon’s personal sphere into his professional relationship with Netty, as he coaches his client to mislead Thackerman. Netty’s discomfort—her observation that “[i]t seems awfully deceitful” (91)—is quickly overridden by Simon’s justifications, demonstrating how professional authority can be used to normalize unethical behavior. Netty’s life is a similar web of obfuscations and untruths, such as pretending she has a vast fortune and hiding her many previous traffic violations. Clyde’s assault is the first major fissure of these parallel false narratives, triggered by a single letter that exposes a crack in Netty’s secrecy. Simon’s subsequent actions—hiding Netty and managing her traffic violations—attempt to patch a structure built on an unstable foundation. The hidden notebook becomes a potent symbol of this nested deception: a secret record designed to protect the larger secret of the fortune, it serves as the tangible proof that ensnares Simon completely.


Gambling functions as a structural and psychological parallel to Simon’s escalating legal and ethical risks. His compulsive sports betting, like his pursuit of Netty’s fortune, is predicated on a high-risk, high-reward mentality, driven by a hope for a single win to solve his problems. The FBI agent’s warning about a federal investigation of Chub’s Pub explicitly links Simon’s illicit gambling to serious legal jeopardy, foreshadowing the greater peril he faces with the will. His decision to pay off his debt to Chub and stop betting is thus ironic: In resolving this minor illegality, he frees his focus to go all-in on the far larger and more dangerous stake of Netty’s fabricated fortune. This act is a profound miscalculation of risk, abandoning a contained hazard for a life-altering one.


Netty’s will solidifies its role as the novel’s central symbol, representing the power to control a legacy. The narrative demonstrates this by positioning the will at the center of three conflicts. First, Clyde’s attack on Thackerman is a direct result of his belief in the will’s power to deny him an inheritance. Second, Simon and Netty engage in subterfuge against Thackerman, centered on concealing the new will. Finally, Jerry Korsak’s appearance introduces a more subtle threat, as he probes for information about the will to advance his own claims. In each instance, the will functions as an object that exposes the greed of those who seek to control it. This symbolic weight is amplified by its connection to the setting of Simon’s office, which becomes the embodiment of his fractured self. The ground floor represents his legitimate, if failing, professional life, while the secret apartment above it houses his desperation and the unethical machinations surrounding Netty’s estate.


Through careful narrative construction, these chapters lay the circumstantial groundwork that makes Simon’s wrongful conviction plausible. The author systematically builds a compelling, if false, narrative of motive that will later be used by the prosecution, anticipating The Fallibility of the Justice System. Every secret Simon keeps—from his hidden apartment to the clandestine drafting of the new will—can be reframed as evidence of criminal intent. His increasing control over Netty, culminating in the power of attorney, paints him as a predator isolating his victim. His financial desperation, demonstrated by his gambling debts and the demand from his wife, provides a motive for murder. Even his admission that he “had seen the opportunity and had not resisted the temptation” (98) reveals a self-awareness of greed that could be interpreted as a confession. Finally, the introduction of the Saigon ginger cookies that Simon purchases plants the future murder weapon in the narrative, demonstrating how an innocuous detail can become a key element in a circumstantial case.

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