48 pages 1-hour read

What Happens in Paradise

Fiction | Novel | Adult | Published in 2019

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Part 3Chapter Summaries & Analyses

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

Part 3: “The Soggy Dollar”

Part 3, Chapter 13 Summary: “Irene”

In Iowa City, Irene receives Russ’s death certificate, delivers it to her lawyer, and withdraws $8,000 cash, which she packs with the postcards from “M.L.” At her friend Lydia’s urging, Irene hosts a memorial reception for Russ. The reception becomes uncomfortable when a guest loudly speculates that Russ was involved in a money laundering scheme, and Irene ends the party early.


Irene travels to St. John, where Huck meets her at the ferry dock. He informs her that the FBI confiscated the cash found in Rosie’s bedroom and that Paulette and Douglas have left the island. Irene confesses to Huck that she had hoped Russ was somehow still alive, but the FBI has confirmed his death. Later, at the villa, she offers Huck a beer, which he declines, and they share a moment of lighthearted flirtation.

Part 3, Chapter 14 Summary: “Ayers”

Out on Treasure Island, Ayers reflects on her conversation with Baker, who declared his intention to move to St. John for her. When the ferry passes, she sees her boyfriend, Mick, on the top deck with another woman. She realizes it’s Brigid, the woman with whom Mick previously cheated. Ayers texts him, ending their relationship.


During the charter trip, a passenger, Max, becomes intoxicated and flirts with Cash. Later, at a bar, Ayers feels jealous watching Max and Cash together. On the return trip, the captain, James, notes her jealousy before a drunk Max vomits over the side of the boat.

Part 3, Chapter 15 Summary: “Cash”

Back on shore, Ayers instructs Cash to escort the Max home. At the dock, Maia and her friend Shane help him find Max’s friend, who turns out to be Tilda, a server from La Tapa. Cash helps Tilda get Max settled at her family’s luxurious villa, and afterward, Tilda invites him for a drink.


Over dinner, Tilda reveals her family is wealthy and she plans to start her own eco-tourism business. She warns Cash that she knows about his crush on Ayers and tells him not to use her as a substitute. They continue to another restaurant for a nightcap, where the bartender, Skip, is cold to Cash because of a past relationship with Tilda. Acknowledging their mutual situations, Cash and Tilda agree not to use each other as rebounds and hold hands. Cash notes that he’s starting to have feelings for Tilda.

Part 3, Chapter 16 Summary: “Huck”

After Irene’s first week as his first mate, Huck reflects on her natural skill with guests. He also realizes he has romantic feelings for her. After their boat charter, he gives Irene her first paycheck, but she declines his dinner invitation, saying it’s too soon after her husband’s death.


The next morning, Huck receives a call from his friend Rupert, who reports that Paulette and Doug have been arrested on St. Croix for fraud and money laundering. Rupert claims they used a yacht, Bluebeard, to launder money for Russ and Todd Croft. After an unsuccessful attempt to reach his FBI contact, Huck decides not to tell Irene about the arrests.

Part 3, Chapter 17 Summary: “Baker”

Baker enrolls his son, Floyd, in a St. John school and is offered a coaching position. When he shares the news with his ex-wife, Anna, she responds with a text that it’s fine. That night, Ayers calls to tell him she broke up with Mick. She confesses her feelings for Baker, and they sleep together.


Baker returns to Houston for a school benefit auction, where his anonymous donation of a week’s stay at the St. John villa sells for $50,000. He informs his friends he’s moving to the island permanently, and they help him pack his house, which he rents to a friend. As he and Floyd prepare for their return flight, Baker receives a text from Cash and drops his phone in shock.

Part 3, Chapter 18 Summary: “Rosie”

A series of excerpts from Rosie’s journals reveal that in July 2006, her mother, LeeAnn, read Rosie’s diary and found out about the affair with Russ, threatening to tell his wife, Irene, if Rosie didn’t break it off. In August, a pregnant Rosie refused to see Russ when he returned to St. John. In response, he began sending her weekly cash deliveries through Todd Croft. Maia was born in October, and Rosie listed the father as “Unknown” on Maia’s birth certificate. Over the next several years, Rosie raised Maia, befriended Ayers, and continued to receive financial support from Russ.


In February 2014, Rosie spotted Russ’s yacht, Bluebeard, shortly before learning that LeeAnn was experiencing heart failure. In March, LeeAnn died. After the funeral, Rosie saw Bluebeard again. On impulse, she went to Caneel Bay Resort and knocked on Russ’s door. He opened it, and Rosie entered, deciding she was a fool to have stayed away.

Part 3 Analysis

Throughout the novel, Hilderbrand juxtaposes the characters’ present-day actions with a flashback from Rosie’s journals to illuminate the disconnect between past intentions and current consequences. The contemporary chapters depict the Steele family and their acquaintances making decisive choices—taking jobs, beginning relationships, and committing to a new life on St. John—all of which represent attempts to forge new futures. However, the extended chronicle of Rosie’s history with Russ in Chapter 18 details the origins of their affair, Rosie’s mother LeeAnn’s discovery of it, and the eight-year separation enforced by LeeAnn’s ultimatum. Rosie’s account recasts the present-day crisis as the culmination of long-hidden compromises. Rosie’s reunion with Russ, framed by her decision that she “had been such a fool” (243) to stay away, is presented through the lens of romantic inevitability. This subjective account stands in stark contrast to the objective reality unfolding in the present: a federal investigation and the arrests of Russ’s property managers.


The characters’ individual arcs demonstrate a conscious process of identity reconstruction grounded in Everyday Rituals as Catalysts for Human Connection. Irene transforms from a passive, grieving widow in Iowa to a competent first mate on Huck’s charter boat in St. John. Her work on the Mississippi acts as a reassertion of her agency and capabilities outside of her life with Russ. Similarly, Baker transitions from a man adrift after his divorce to a proactive father and partner. His decisions to enroll Floyd in school, accept a coaching position, and commit to a relationship with Ayers are deliberate acts of building a new life. Cash moves past his unrequited feelings for Ayers to forge a more mature and reciprocal connection with Tilda. Their mutual agreement not to use each other as rebounds signifies a conscious break from past patterns.


Irene’s character arc epitomizes the complications and Challenges of Choosing to Love Again After Heartbreak. She travels to St. John, the site of her husband’s deception, choosing to live in the home he built for another woman and work in the waters he frequented with his secret family. While her connection with Huck allows her to reclaim these spaces on her own terms, she also struggles with the fear of embracing a new romance when the hurt of Russ’s betrayal is still so present. The island itself is not a passive backdrop but an active agent in this process, its small, interconnected community ensuring that secrets are difficult to keep and that personal histories inevitably collide. The characters cannot outrun the consequences of Russ’s actions because St. John is the primary stage upon which his double life was built.


The narrative’s reliance on multiple, shifting points of view—Irene, Ayers, Cash, Huck, Baker, and, posthumously, Rosie—continues to be the key narrative technique that reinforces The Tension Between Objective Fact and Emotional Reality. Irene holds the memories of her marriage to Russ, Ayers possesses the secret emotional history contained in Rosie’s journals, Cash and Baker navigate their roles as betrayed sons, and Huck grapples with his position as the grieving stepfather caught between two families. The inclusion of Rosie’s diary entries, where she admits that her mother read her most private thoughts and used them as leverage (“I walked in the door expecting to find her asleep […] but instead she was in the doorway, my diary in her hand” [231]), highlights the human emotion and vulnerability inherent in any single narrative. The novel denies an authoritative, omniscient version of events, encouraging the reader to explore a more nuanced understanding of life, relationships, and betrayal.

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