48 pages • 1-hour read
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Content Warning: This section of the guide includes discussion of death.
In mid-January, a week after returning home, Irene has a recurring dream in which her late husband warns her of a destructive storm. She tells her son, Cash, that she interprets the dream as a symbol of Russ’s secret life. Irene calls her family’s attorney, Ed Sorley, who reveals that Russ secretly changed his will, naming Irene as executor and the beneficiary of a new life insurance policy for $3 million.
To begin probate, Irene needs Russ’s death certificate, but its release is delayed by the FBI investigation into the crash. At her bank, a teller confirms Russ recently made two large cash deposits, but a search reveals no hidden accounts. Irene is left with the growing secrets surrounding her husband’s life.
In St. John, Ayers helps Huck sort through Rosie’s belongings. Huck informs her that the FBI, led by Agent Vasco, suspects foul play was involved in the crash.
While working, Ayers thinks about her rekindled relationship with her boyfriend, Mick, and her disappointment that the Steele brothers have left the island. In a dresser drawer, she finds Rosie’s journals. While Huck is outside, Ayers moves the journals to her truck to read in private. When Huck returns, they open the bottom drawer and discover it is filled with $125,000 in cash.
In Iowa City, Cash discusses his uncertain future with his mother. He reflects on his failed businesses in Colorado and an awkward encounter with his ex-girlfriend that made him reluctant to remain in Iowa City. Unemployed and in debt, he feels directionless.
That evening, Cash receives a text from Ayers with a link to a job opening as a first mate on a charter boat named Treasure Island in St. John. Energized, Cash tells Irene he wants to pursue the job and asks to stay at the family’s St. John villa. Irene agrees, offers to pay for his trip, and encourages his fresh start.
Huck hides Rosie’s money under his bed. He’s preoccupied with his 12-year-old granddaughter, Maia, and her growing independence. Later, while leading a fishing charter, his first mate, Adam, announces he’s quitting.
A client’s story about finding love later in life prompts Huck to think of Irene. On an impulse, he calls her and offers her Adam’s job as his first mate. Feeling a renewed sense of purpose, Huck calls Agent Vasco to report the cash he and Ayers found.
In Houston, Baker meets his estranged wife, Anna, and her partner, Louisa, to discuss custody of their four-year-old son, Floyd. Anna and Louisa announce they are moving to Cleveland and invite Baker and Floyd to relocate with them. Louisa also reveals her plan to have a baby using a sperm donor. Baker tells them he will not relocate to Cleveland.
Later, a friend points out that this new arrangement gives Baker the freedom to live anywhere he wants. Inspired by this idea and his desire to be closer to Ayers, Baker decides to move to St. John. He books a two-week trip for himself and Floyd and contacts the villa’s property manager, Paulette Vickers, to arrange access, deciding to wait before telling Irene his plans.
Rosie’s journal entry, dated February 21, 2006, recounts the beginning of her affair with Russ. While working as a server at Caneel Bay resort, she waited on a table where Russ and his associate, Todd Croft, were seated. Her ex-boyfriend, Oscar, appeared and harassed her. Later, Oscar grabbed her in the parking lot, but Russ intervened and subdued him.
The next day, Rosie went to a local beach restaurant she had recommended to Russ and joined him for dinner. He confided that his marriage was unhappy and he was considering a job offer from Todd, with whom he had run an illegal business in college. Rosie felt a deep connection forming between them. That evening, Russ informed Rosie he had decided to extend his stay on the island, marking the start of their relationship.
These initial chapters establish the novel’s narrative architecture, which uses multiple limited third-person perspectives alongside Rosie’s privileged first-person journal entries. This structural choice immerses the reader in the disorienting aftermath of the FBI investigation into Russ’s death, mirroring the characters’ own confusion and fragmentation. By alternating between the viewpoints of Irene, Ayers, Cash, Huck, and Baker, the narrative presents the central mystery from disparate angles, synthesizing conflicting information and subjective experiences. No single character possesses the complete picture, which highlights the unreliability of individual perception and introduces the novel’s thematic exploration of The Tension Between Objective Fact and Emotional Reality.
Hilderbrand opens the novel in Iowa City with Irene’s nightmare about Russ, signaling that the life Irene built with Russ no longer exists and compelling her toward change. Iowa City, with its Victorian homes and Midwestern sensibilities, represents the stable, conventional life that Russ publicly maintained and that Irene curated. Her grand house, which she now finds “so heavy, so overdone, so tragic” (6), becomes a metaphor for her new perspective on their marriage. The presence of FBI agents at the Steeles’ Iowa City home immediately signals a sense of foreboding around Russ’s mysterious criminal enterprises. Their search of her home further destabilizes Irene’s relationship to her old life. Instead, she reaches for a source of trust, support, and emotional stability in Huck, laying the groundwork for the novel’s thematic exploration of The Challenges of Choosing to Love Again After Heartbreak.
Rosie’s journal entry in Chapter 6 allows Hilderbrand to give voice to the two figures at the center of the novel’s mystery: Rosie and Russ, revealing the affair’s origins long before the present-day characters understand the full history. This temporal dislocation—providing a glimpse into the past while the present remains shrouded in mystery—generates suspense and positions the characters—primarily Ayers and Irene—as investigators, tasked with reconciling the romanticized beginning of the affair with its devastating consequences. This narrative strategy complicates the process of simply uncovering facts. To solve the mystery, the characters must also navigate the complex emotional truths that lie beneath them. For Ayers, the journals represent the key to a hidden history, a subjective and personal truth that challenges the public record of Rosie’s life and death. They are a tangible manifestation of the secret world Russ built.
Hilderbrand characterizes Russ through the filter of Rosie’s memories, deconstructing the concept of a stable, knowable reality and adding a layer of subjectivity to the truth the novel presents. Rosie’s flashbacks provide a crucial shift in tone and perspective, portraying Russ not as a villain but as a chivalrous, sympathetic figure who defended her from an abusive ex-boyfriend. Her memory of kissing his cheek and calling him “[m]y hero” (78) offers a complicated view of their relationship’s origins, challenging simple moral judgments of their affair. This nuanced depiction adds emotional depth and complexity to the central mystery, hinting that the “destructive” storm Irene dreams of foreshadows an emotional and moral reckoning for all involved. Both Rosie’s journal entries and Irene and her sons’ reflections depict Russ as a man of dualities: the devoted Midwestern husband and the secretive island lover—a duality Hilderbrand emphasizes through the motif of illicit money. The large, unexplained cash deposits Irene discovers at her bank, followed by Ayers and Huck’s discovery of $125,000 in Rosie’s dresser, function as tangible evidence of the corruption hiding beneath the surface of Russ’s ostensibly ordinary life. After he stashes it under his bed, Huck notes that “the money feels radioactive” (47), reinforcing the menacing nature of Russ’s business.
Hilderbrand’s deliberate pacing and intricate layering of plot threads create a sense of inevitable convergence. Each character’s chapter ends with a pivotal decision—Irene begins her investigation, Ayers finds the journals and money, Cash and Baker independently decide to move to St. John, and Huck impulsively offers Irene a job—that propels them toward a shared destination. This structure ensures that all the disparate elements of Russ’s two lives will converge on the island. The use of cliffhangers and startling revelations, such as the discovery of the cash and the FBI’s search of the Victorian home and the St. John villa, maintains a high level of suspense.



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