48 pages 1-hour read

What Happens in Paradise

Fiction | Novel | Adult | Published in 2019

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Part 4Chapter Summaries & Analyses

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

Part 4: “Christmas Cove”

Part 4, Chapter 19 Summary: “Irene”

At the villa, Irene lies to her friend Lydia via text, claiming she is adjusting well. The next day, her credit card is declined. The bank informs her that Russ’s accounts have been frozen. The editor-in-chief at her magazine calls to say a $12,000 bonus check is on its way, and Irene opens an account at a local bank. Huck tells her that the FBI has arrested Paulette and Douglas.


Irene works a charter for a family whose son, Niles, is recovering from leukemia. She helps the withdrawn Niles catch a tarpon, making him smile. The charter ends in a rainstorm, and Huck puts his arm around a shivering Irene.


That evening, Huck invites Irene to dinner, and she accepts. On the boat ride back to St. John, Huck kisses her.

Part 4, Chapter 20 Summary: “Ayers”

On her day off, Ayers reflects on her breakup with Mick and sleeping with Baker. Her thoughts are interrupted when Mick arrives at her door uninvited. He persuades her to spend the day with him, and when she confesses she slept with Baker, Mick dismisses it, saying: “I’m glad you got it out of your system. I had my fling and now you’ve had yours” (265). He shows her a cottage he’s rented for them to share, which Ayers notes is a big step up from his previous apartment that was tiny and dingy.


Later, they join a boat party at Christmas Cove. There, an acquaintance mentions a “hot new dad” from Houston, and Ayers realizes she means Baker. Soon after, Cash arrives with Tilda, and Ayers worries he will tell Baker she is with Mick.


Her fears are overshadowed when Mick commandeers a microphone and publicly asks Ayers to marry him. Pressured by the crowd of their friends, Ayers accepts, and Mick places an engagement ring on her finger.

Part 4, Chapter 21 Summary: “Cash”

At the boat party, Cash sends Baker a photo of Mick’s proposal to Ayers. Later, Cash and Tilda see the newly engaged couple celebrating with Maia.


The next day, Cash and Tilda take Maia and her friend, Shane, hiking. Tilda suggests they start a business as hiking guides. After the hike, Maia asks to be dropped off in Cruz Bay, lying that Huck has a late charter. Trusting her, Cash leaves them on their own.


Shortly after, Cash realizes Maia lied. He and Tilda return to Cruz Bay but cannot find them. Worried, they drive back to the villa, where Cash tells his mother that Maia is missing.

Part 4, Chapter 22 Summary: “Huck”

Irene frantically calls Huck to ask if Maia is there. Panicked, Huck yells at Cash, blaming him for leaving Maia in town. He calls around and learns that several of Maia’s friends are also missing. Finally, Mick calls to say he saw Maia and her friends at the beach, and Huck goes to pick her up.


Maia explains that the group was supporting a friend whose parents are divorcing. She confides that she saw Mick kissing Brigid on the beach before he noticed they were there. Huck grounds Maia for lying but reaffirms his trust in her.


Huck drives to the villa, finds Cash, and apologizes. He speaks with Irene, who admits she has feelings for him but needs more time. As Huck turns to leave, he sees four black SUVs driving toward the house.

Part 4, Chapter 23 Summary: “Baker”

In Houston, Baker has breakfast with friends who encourage him to move to St. John anyway, despite Ayers's engagement to Mick. That evening, Ayers calls and tries to explain her decision. Baker professes his love for her and reaffirms his commitment to move to St. John.


Their call is cut short. Baker receives a text from his ex-wife, Anna, who says Louisa objects to the move with Floyd. Before he can process this, another text arrives from Ayers, stating that Maia saw Mick kissing Brigid, and she is giving the ring back. Determined, Baker begins packing for his flight to St. John.

Part 4, Chapter 24 Summary: “Rosie & Irene”

In a series of journal excerpts, spanning from 2015 to 2018, Rosie describes the day Russ bought the villa on Lovers Lane. Eventually, she introduced Maia to Russ and revealed that he is her biological father.


Russ confessed to Rosie that the company he worked for used shell companies for money laundering. One day, when Russ was home in Iowa, Todd Croft found Rosie at work and delivered a veiled threat. Rosie gave Russ an ultimatum to leave his wife and his criminal enterprise. Her final entry describes their plan for a helicopter trip to Anegada, where she believed Russ intended to propose.


The narrative shifts to the present, as four black SUVs arrive at the villa. Agent Vasco informs Irene that the government is seizing the villa and her Iowa home. Vasco explains that Todd Croft has been arrested and has implicated Russ as a co-conspirator. As agents swarm the property, Irene is ordered to pack one suitcase and vacate the premises. Stunned, she stands on the porch as Huck runs to her side.

Part 4 Analysis

This section juxtaposes Rosie’s final, hopeful diary entries with the catastrophic arrival of the FBI in the present—a technique that serves as a culmination of the novel’s thematic engagement with The Tension Between Objective Fact and Emotional Reality. Rosie’s last entry details her hope for a more open and expansive future, anticipating a marriage proposal from Russ on a trip to Anegada. This private narrative, contained within the journals, represents Rosie’s subjective truth. The immediate shift to the present, where Agent Vasco systematically dismantles Irene’s world by revealing Russ’s role as a co-conspirator and seizing all assets—including the Steeles’ Iowa City home that Irene lovingly renovated—exposes the tragedy of Rosie’s vision. The structural choice to present these events consecutively forces a direct comparison between Rosie’s imagined escape and Irene’s inescapable reality. By ending with the devastating consequences of the very enterprise from which Rosie hoped Russ would divest, the narrative frames the two women as parallel victims of a singular betrayal.


Mick’s boat party proposal to Ayers—a highly performative act, leveraging the pressure of a crowd to secure a commitment—is immediately undermined by private emotional realities, further underscoring the theme. The spectacle of his grand gesture is designed to create an image of romantic devotion, yet it functions as a manipulative tool to erase his recent infidelity. This public facade is contrasted with the private truth that Maia witnesses later: Mick kissing his former fling, Brigid. This sequence highlights how easily idyllic moments can mask deep-seated deception. Ayers’s initial acceptance of the proposal, and her subsequent justification of Mick’s affair as a mere “hiccup” (297) that her parents’ marriage survived, reveals her own struggle to reconcile a romantic ideal with a flawed reality. Her story about her parents’ past functions as an attempt to normalize betrayal, framing it as a manageable obstacle rather than a fundamental breach of trust. Her ultimate decision to return the ring, prompted by Maia’s eyewitness account, signals a critical turning point in her arc, clearing the way for her to explore a future with Baker in the series’ final novel.


As the narrative comes to a close, the traditional family unit, shattered by Russ’s death, begins to re-form into new, unconventional alliances forged in shared crisis and nurtured by new, unexpected loyalty. The confrontation between Huck and Cash over Maia’s disappearance epitomizes this process. Huck’s initial, possessive rage, articulated in his warning to Irene—“She’s mine, Irene. Not yours, not Cash’s—mine” (285)—stems from a place of profound grief and fear of further loss. His subsequent apology to Cash marks a significant emotional shift, moving from a territorial defense of his role as Maia’s sole guardian to a grudging acknowledgment of a new, complex familial bond. This reconciliation signifies the nascent formation of a blended family, defined not by blood or marriage but by a shared connection. Concurrently, Irene and Huck’s relationship evolves beyond a professional partnership into a tentative romance. Their first kiss, followed by Irene’s admission of her feelings tempered by her need for more time, illustrates the cautious process of redefining one’s identity in the wake of catastrophic loss.


The arrival of FBI agents, culminating in the four black SUVs winding their way up to Lovers Lane and the seizure of the villa, provides the novel with its cliffhanger ending, laying the groundwork for the third novel in the trilogy, Troubles in Paradise. Despite the catastrophic consequences of Russ’s criminal involvement and double life, the novel’s conclusion highlights the growth the characters have achieved, building lives rooted in Everyday Rituals as Catalysts for Human Connection, ensuring that when an additional crisis comes, they have a network of support and love. Irene runs to the door to embrace a romantic future with Huck just as the FBI SUVs drive up to the villa. As Irene processes the devastating news that the villa and her home in Iowa City will be seized, she “sees [Huck] running up the villa stairs toward her. ‘I’m here, AC,’ he says. ‘I’m here’” (321). Even as her newly reconstructed life begins to come apart at the seams, Irene feels certain of the support and love she’s cultivated in her relationship with Huck, making a case for Choosing to Love Again After Heartbreak.

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