48 pages 1-hour read

What Happens in Paradise

Fiction | Novel | Adult | Published in 2019

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Part 2Chapter Summaries & Analyses

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

Part 2: “Lawyers, Guns, and Money”

Part 2, Chapter 7 Summary: “Irene”

Irene drives Cash to the airport. Afterward, she calls her attorney, Ed, who informs her that the Iowa house was purchased with a cashier’s check from an offshore bank. Troubled, Irene leaves a voicemail for Paulette, the St. John property manager, to request Russ’s death certificate. She visits the office of Heartland Home and Style.


Irene confides in her boss, Mavis, about Russ’s death and resigns from her position at the magazine. Back home, she texts her friend, Lydia, that Russ has died. Her solitude is interrupted by four FBI agents, led by Agent Beckett. They present a search warrant, and Beckett questions Irene about Todd Croft before the agents seize all her electronic devices.


After the FBI departs, Irene discovers a secret compartment containing romantic postcards from St. John signed with the initials “M.L.” Realizing she has nothing left in Iowa, she calls Huck and tells him she will arrive in one week to start work as his first mate.

Part 2, Chapter 8 Summary: “Ayers”

On the evening of Cash’s arrival in St. John, Ayers and her boyfriend, Mick, have a tense dinner. Mick senses she is hiding something, and Ayers is preoccupied with reading Rosie’s hidden journals.


Later, at La Tapa, the restaurant where she works, Ayers and a coworker warmly greet Cash, who arrives to accept the first mate position on Treasure Island. The friendly reception makes Mick jealous. Ayers spontaneously invites Cash to join her and her goddaughter, Maia, for a hike the next morning.


Outside, Mick confronts Ayers about the invitation, and they argue over his jealousy. Ayers stands her ground, privately intending to use the hike to ask Cash about his brother, Baker.

Part 2, Chapter 9 Summary: “Cash”

Cash arrives at the family villa to find evidence of an FBI search and spots an SUV outside, which he assumes is surveillance. The next morning, he meets Ayers and Maia for their hike. On the trail, Maia impresses Cash with her knowledge of the island’s history and environment.


After a swim, Maia confides that she has a crush on a boy named Shane. Ayers encourages Cash to act as a protective older brother for Maia. Cash considers this new role and gladly accepts.


When Cash returns to the villa, he finds Baker and Floyd in the pool. Baker announces they have moved to St. John permanently.

Part 2, Chapter 10 Summary: “Huck”

Shortly after Cash’s arrival, Agent Vasco and her team arrive at Huck’s house with a search warrant and confiscate the cash Rosie hid. Agent Vasco asks for Rosie’s bank account information and mentions she had hoped to find a diary.


Afterward, Huck meets his friend Rupert, who reveals that Paulette and her husband Douglas, the real estate agents who managed the Steele villa, fled the island the previous night, just before the FBI arrived to search their office.


On his way home, Huck sees an FBI vehicle outside the empty real estate office, confirming the story. He picks up Maia from school, resolving to protect her from the truth about her mother.

Part 2, Chapter 11 Summary: “Baker”

At the villa, Cash mentions that Ayers helped him get the first mate job on Treasure Island, making Baker jealous. Irene calls and informs them she’s also coming to the island, prompting the brothers to share a memory of their mother’s affinity for fishing when they were young.


That evening, Baker asks Cash to watch Floyd so he can go into town. Cash encourages him to find Ayers. Baker drives to Cruz Bay and spots Ayers leaving her job. He pulls up beside her, and she gets into his car and directs him to drive to Hawksnest Beach.

Part 2, Chapter 12 Summary: “Rosie”

In a series of journal entries from February to May 2006, Rosie recounts a romantic weekend with Russ in which he told her he was unfulfilled in his marriage. When he departed on a yacht named Bluebeard, Rosie secretly hid a postcard in his bag, signing it “M.L.” for Mona Lisa, his nickname for her.


The next month, Rosie discovered she was pregnant. Unable to reach Russ, she emailed his boss, Todd Croft. Shortly after, a package arrived with $10,000 in cash, which Rosie assumed was hush money.


Rosie confessed the pregnancy to her mother, LeeAnn, and stepfather, Huck. After a moment of shock, LeeAnn embraced her daughter and offered her support.

Part 2 Analysis

Hilderbrand’s structural choice to include Rosie’s journals encourages the reader to hold two truths simultaneously: the external reality of Russ’s affair and criminal activity, and the internal reality of a clandestine romance, underscoring The Tension Between Objective Fact and Emotional Reality is a central theme in the narrative. In this section, Irene’s additional discovery of Rosie’s postcards signed “M.L.” in the Steeles’ family home in Iowa City provides the first concrete evidence of Russ’s affair outside of St. John. The symbolic weight of this discovery is amplified when Rosie’s journal reveals the origin of the nickname. Her entry detailing the end of her first weekend with Russ explains, “I signed it with the initials M.L., for Mona Lisa” (150). This direct connection, established across timelines and perspectives, makes the fact of Russ’s affair inextricable from both Rosie and Irene’s personal experience of it. Rosie’s journals symbolize the hidden, emotional truth of the past, offering a narrative that contextualizes the affair and provides insight into the psychological landscape of Russ’s secret life.


The recurring motif of illicit money signals the destructive nature of Russ’s illegal operation with Todd Croft, establishing the narrative stakes for his family. Irene’s discovery that her Iowa home was purchased with a cashier’s check from an offshore bank transforms her domestic sanctuary into an extension of Russ’s criminal enterprise. This revelation is echoed by her attorney’s confirmation of Russ’s large cash deposits, which point to a financial reality operating outside the legitimate systems she understood. In Rosie’s journal, the revelation of the payment for $10,000 from Todd Croft directly links her to the financial conspiracy. This payment, which Rosie interprets as hush money, functions as a transactional moment that taints the romantic narrative she constructs, reducing their affair, in that instant, to a liability managed with cash. The flight of the property managers, Paulette and Douglas Vickers, further expands the circle of complicity, suggesting that the corruption was not limited to Russ but was embedded within the island’s professional community. By saturating the narrative with these financial irregularities, the text argues that the idyllic appearance of both the Midwestern home and the Caribbean paradise is a deliberate facade, built and maintained by a foundation of criminality.


Irene’s decision to take the job as first mate on Huck’s boat points to the novel’s thematic interest in The Challenges of Choosing to Love Again After Heartbreak. Irene’s confession to her boss, Mavis Key, marks a pivotal moment in her journey of self-discovery and reinvention. By articulating the full scope of Russ’s deception, she sheds the identity of the contented, oblivious wife and takes the first step toward a new, uncertain self, grounded by the comfort of Huck’s friendship. Her decision to quit her prestigious job and move to St. John represents a deliberate dismantling of her former life in pursuit of truth and, ultimately, love. Her self-assessment that “[w]hat Russ did was wrong. But [she] is not blameless” (92) reveals her introspection and willingness to explore her own complicity in the disintegration of her marriage, which, Hilderbrand’s narrative suggests, facilitates her ability to forgive and move forward.


Baker and Cash undergo parallel transformations as both men abandon their failed professional and personal lives in the United States and move to St. John to redefine their futures. Baker’s move with Floyd establishes a new, non-traditional family unit, while Cash’s acceptance of his role as Maia’s protective older brother begins the difficult process of integrating Russ’s two families. Cash immediately integrates into the St. John community and embraces the joy of its daily routines. His casual swim with Ayers and Maia, in which they tease each other and discuss Maia’s crush on Shane, highlights the novel’s thematic engagement with Everyday Rituals as Catalysts for Human Connection.

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