64 pages 2 hours read

The Three Lives of Cate Kay

Fiction | Novel | Adult | Published in 2025

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Chapters 18-36Chapter Summaries & Analyses

Chapter 18 Summary: “Cass”

Content Warning: This section of the guide includes descriptions of emotional abuse and explicit sexual content.

As narrator, Cass offers her own perspective on her decision to move to New York with Sidney, and she recalls the night that Sidney discovered her in the café: at the moment Sidney knocks, Cass is replaying her desertion of Amanda over and over in her mind and is overwhelmed with shame. Sidney is the last person she wants to see, and she is annoyed when Sidney ignores her signals and slips into the café. Cass is in such a fragile state that when Sidney asks her what is bothering her, she breaks down. She fights against confiding in Sidney, but she ultimately reveals her whole story. In the aftermath of this torrent of emotion, Cass sees Sidney as a safe place, “like dry land” (92), and when Sidney kisses her and asks her to come to New York, she says yes.

Chapter 19 Summary: “Sidney”

Sidney secretly travels to Bolton Landing to find out more about Amanda and Annie. She visits Mr. Riley, pretending to be a researcher gathering information on local drama programs. During the conversation, she pretends a casual interest in his Twelfth Night poster and asks him about the production. He tells her that it starred two of the most talented students he has ever taught and that what happened to these two girls was tragic. He explains that Amanda was badly injured and is still in the hospital, paralyzed from the waist down. He states that Annie disappeared and that no one knows what happened to her after she placed the 911 call alerting authorities to Amanda’s accident.

Chapter 20 Summary: “Sidney”

Convinced that Cass is a “once-in-a-lifetime woman” (99), Sidney decides that it is in her and Cass’s best interests that Cass move on from Amanda and find happiness with Sidney in New York. When Sidney returns to Plattsburgh, Cass declares that she is going back to Bolton Landing to be with Amanda. Sidney confesses that she was just there. She then lies, telling Cass that Amanda is dead.

Chapter 21 Summary: “Cass”

After being told that Amanda is dead, Cass grabs Amanda’s things out of her car’s trunk. She slides down against a tree, hugging the bag of Amanda’s possessions to her chest. She screams, feeling like she is melting inside. When she finally returns to her car, Sidney is still there. Sidney embraces Cass with a comforting hug. Cass kisses Sidney, and that night, they have sex for the first time. Afterward, Cass begins writing the first draft of The Very Last.

An excerpt from the opening of The Very Last is then revealed. In this story, two reporters—Samantha and Jeremiah—are four floors down in the parking structure beneath their New York news station, getting into “Pacino,” Samantha’s car. Samantha thinks about the mixed tape that Jeremiah made for her before they left their home in California to head “east to chase their dreams” (104). There is an explosion; New York has been hit with a nuclear blast. Samantha reaches for Jeremiah and pulls him from the car just before it is flattened by a falling section of the garage ceiling.

Chapter 22 Summary: “Amanda Kent”

Amanda recounts her experience of waking up in the hospital in the fall of 2000. She is confused and lapses in and out of consciousness, but she remembers falling from the zipline and surmises that she is in the hospital. She sees someone curled under a blanket in a bedside chair and wonders if it is Annie. When she thinks of Annie, she remembers their tradition of getting coffee at a place called “Spot.” They would make fun of the name and dog logo and talk about better dog names. Eventually, Amanda decided that if she had a dog, she would call it “Puck” after the character in A Midsummer Night’s Dream. Annie suggested “Persephone,” but Amanda pointed out that this was a better name for a human character than a dog. The person in the chair at her bedside turns out to be her sister, Kerri. When Kerri tells her that Annie is missing, Amanda feels a sudden fear about what it might mean.

Chapter 23 Summary: “Sidney”

Sidney’s narrative skips ahead to 2005. She is now a practicing attorney, and she and Cass are living together in Harlem. Cass, who has been working in a nearby coffee shop, has finally finished The Very Last, and Sidney is sure that the book will be a big hit. Sidney is bothered by Cass’s habit of vanishing into herself so often. She takes this personally and feels that Cass is ungrateful for everything Sidney has done for her. When Cass reveals that she has already submitted the manuscript to a literary agency without consulting her, Sidney grows angry. Cass says that she has submitted the manuscript under the pseudonym “Cate Kay.” When Sidney asks how she came up with this name, Cass claims that she “just [likes] the way it sounds” (112).

Chapter 24 Summary: “Cass”

Cass states that in 2005, she is consumed with counting how long she has lived without Amanda. She thinks of Amanda constantly and sprinkles details from their friendship throughout her novel, using the story as an outlet to express everything she loved about her friend. The two characters at the center of her novel are “soulmates,” one of whom is in love with the other, and they are separated by a disaster “so big that the world would understand that no one was to blame” (113).

An excerpt from The Very Last is revealed. In this scene, Samantha and Jeremiah bravely emerge into the now-deadly air of New York City to cover the disaster and get information to any other survivors. They pass the remains of their favorite coffee shop, “Spot,” and Samantha is momentarily overcome with emotion.

Chapter 25 Summary: “Melody Huber”

In 2005, Melody Huber, a literary agent, discovers the manuscript for The Very Last in the slush pile of Eloquence, the literary agency from which she has just been fired. She has long been in charge of reading the agency’s slush pile, and on the day she is fired, she takes the pile home out of habit. Because she enjoys the quest to find new authors, she reads the manuscripts as a way to comfort herself. Alongside many terrible stories, she finds a gem: The Very Last.

Chapter 26 Summary: “Amanda”

Amanda recalls her experiences in the fall of 2000, immediately after her accident. As she goes through endless days of physical rehabilitation, she wonders how far away Annie has gone. She confesses that she was aware, even before the accident, that Annie was pulling away from her, and she admits that her daredevil behavior was an attempt to reel Annie in.

Her narrative shifts backward in time to recount her own perspective on the day, just before they were supposed to leave town together, when they were packing Brando’s trunk. In that moment, Annie asked whether Amanda had had other dreams for the future before they met. Amanda asked if Annie was really trying to say that she wanted to go to Los Angeles on her own. Amanda immediately regretted asking this and was relieved when Annie deflected the question instead of answering honestly. (In the past years of their friendship, Annie had once made fun of a local theater that spelled Cate Blanchett’s name “Kate.” The phrase “Cate with a K” (127) had become a running joke between the two, who had felt that they could not possibly stay in such a backward town.) Amanda knew that something was seriously off between her and Annie when, standing at Brando’s trunk, she joked about “Cate with a K” (127) to remind Annie of why they were leaving, and Annie’s response was merely a sullen “Yup.”

Chapter 27 Summary: “Jake Fischer”

In 2006, Vanity Fair writer Jake Fischer sees an article about Cate Kay, the mysterious author of the best-selling book, The Very Last. He wonders if he can find out anything about Kay for a potential cover story, so he calls his brother, Brian, who works in publishing. Brian is able to give him the name of Kay’s agency and publishing house, but nothing else. Jake contacts Melody Huber, who is now running her own literary agency, Slush, but Melody can only give him Sidney Collins’s name because Sidney has been her go-between with Kay. Jake finally convinces Sidney to meet with him. She is very careful about what she says, giving him almost nothing that he can use for an article.

Chapter 28 Summary: “Amanda”

After a year of hating physical therapy because it is so filled with long-term goals that seem unachievable, Amanda asks her physical therapist, Janet, to help her work on something short-term: regaining enough dexterity to turn the pages of a book easily. She sees that this goal pleases Janet, who loves reading. Slowly, physical therapy helps Amanda to find new hope and regain “a modicum of normalcy” (138). At home, Kerri devotes much of her time to taking care of Amanda, and this makes Amanda feel guilty and useless. After five years of physical therapy, Janet and Amanda both know that they have done as much as they can, but Amanda does not yet want to admit that her progress has stalled.

One day, when she comes into the building, she finds Janet absorbed in a new book called The Very Last. Janet offers to let Amanda borrow the book. That afternoon, Amanda is stunned to discover that the book is filled with details that are clearly lifted from her friendship with Annie. When she finishes, she angrily writes a note to Cate Kay, whom she is sure is actually Annie. She keeps the book on her bedside table, and each night, she feels the same rage as she imagines Annie living a glamorous life as a famous author—a status that Annie has earned by sharing details of her history with Amanda instead of honoring that history by staying at Amanda’s side.

Chapter 29 Summary: “Cass”

By January of 2007, Cass realizes that her relationship with Sidney is toxic. She sees that Sidney is controlling every aspect of her life, and it does not surprise her when she finds out that Sidney has failed to tell her about Ryan Channing’s invitation. By coincidence, she overhears a phone conversation in which the letter from Ry is mentioned, and she insists on reading it. Cass is intrigued by the sentiments in the letter and by Ryan herself, and she immediately decides to accept Ry’s invitation. Sidney insists that this will destroy the secrecy they have built around Cass’s identity. She angrily accuses Cass of wanting to get away from her, but Cass leaves for Los Angeles anyway. As her plane lands, she is lost in sad memories of the dreams she once shared with Amanda, and she wonders what might have been.

Chapter 30 Summary: “Ryan”

Ryan returns to her discussion of the moment in January of 2007 when she first laid eyes on “Cate.” She thinks that the woman before her is “effortlessly cool” and beautiful. She points out that Cate is very early, and Cate tells her that she was so excited about the meeting that she took an earlier flight. Ryan shows her guest into a bedroom and offers her some time and privacy to freshen up after her flight. They lock eyes, each reluctant to be the one to break contact. Cass tells Ryan her name—introducing herself as Cass—and Ryan is pleased to believe that she finally knows Cate Kay’s real name.

Chapter 31 Summary: “Cass”

Cass offers her perspective on her first meeting with Ryan. When Cass first finds Ryan in her backyard, she is amazed at the experience of seeing such a famous and beautiful woman so at ease in bare feet and basketball shorts. She feels “unburdened for the first time in six years” (150). She is also aware of the sexual tension between her and Ryan and hopes that she is not imagining it. Cass is feeling so relaxed that she almost slips and introduces herself as “Annie.”

Chapter 32 Summary: “Ryan”

Cass has planned to stay at Ryan’s for just a week. However, after the two spend days relaxing by the pool, ordering food, and enjoying one another’s company, Ryan invites her to extend her stay for several more weeks, at which point Ryan will have to leave to begin filming in Charleston. They talk for hours, and Ryan learns much about Cass’s childhood. Cass shares that she suffered something traumatic, but she does not explain what it was. Cass tells Ryan that she has always wanted to live a life just like Ryan’s and that this goal was a factor in her decision to accept Ryan’s invitation. She says that she wants many things that she thinks she can no longer have. They share a moment of deep understanding when Cass explains her yearning for “Cosmic bigness” (155) and Ryan realizes that she feels exactly the same way. Ryan asks about Sidney’s reaction to Cass’s trip to L.A. Because Ryan is sure that the truth would hurt her career, the fact that she is a lesbian is a closely-guarded secret that only her sister and Janie know—but she wants Cass, and she wants to know whether Cass might want her, too. As their arms move closer and closer together along the back of the couch, Cass confesses that she thinks Sidney is worried that Cass is attracted to Ryan. Ryan, thinking about a possible future with Cass, asks, “How bad could it have been, this thing you’re hiding from?” (157). Cass instantly retreats, saying that she is tired and is going to bed.

Chapter 33 Summary: “Cass”

In the early days of her visit, Cass wonders if Ryan is attracted to her. She also wonders guiltily if she even deserves the happy lightness she feels in L.A. with Ryan. She texts Sidney, saying that the studio has asked her to extend her trip. As she writes about all of the important work that she and Ryan are doing, she knows that Sidney will discern the lie, but she does not care. She is more drawn to her connection with Ryan than she is to the idea of spending a lifetime with Sidney. She reminds herself that Sidney doesn’t “own [her],” then adds, “not exactly” (160).

Chapter 34 Summary: “Ryan”

Ryan lies awake in bed night after night, thinking about Cass’s proximity. Finally, one night, she gets out of bed and taps at Cass’s door. Cass quietly calls for her to come in and lifts the covers on her bed for Ryan to get in. Ryan lies beside her, forcing herself to move slowly because she wants their first sexual encounter to be perfect. Finally, Cass closes the distance between them, asking, “What took you so long?” (162).

Chapter 35 Summary: “Cass”

During those first nights, Cass also lies awake, thinking about Ryan and willing her to come into her room. When Ryan finally knocks and slips into her bed, Cass is nearly overwhelmed with a desire that she has never felt. This first night with Ryan is the best night of Cass’s life.

Chapter 36 Summary: “Sidney”

Sidney offers her perspective on the events of that January in 2007. She points out that she built Cate Kay’s entire legal edifice and has protected Cass from discovery. She is bitter that this was not enough to earn Cass’s love. She is well aware that Cass is lying to her about her motives for going to Los Angeles, as well as her motives for staying in Los Angeles. Sidney is angry, but she understands that there is nothing to be gained by confronting Cass. A coworker takes her to a Soul Cycle class to blow off some steam, and she meets an instructor to whom she is very attracted. She goes to the class every day for the next month.

Chapters 18-36 Analysis

This section of the novel repeatedly employs the juxtaposition of multiple narrators to create tension, develop characterizations via implication, and explore thematic ideas. As Annie moves to New York with her first girlfriend, writes a bestselling novel, and begins a passionate affair with a beautiful actor in the dream location of Los Angeles, her life moves dramatically forward, and with her solo approach, she achieves much of what she and Amanda once dreamed of achieving together. However, throughout Annie’s external triumphs, Amanda’s interspersed narratives serve as a painful reminder of all that could have been and now will never be. Unlike her wayward childhood friend, Amanda is trapped at home, learning to navigate the world with a physical disability. Feeling like a drain on her sister’s time and emotions, she is forced to focus on the endless grind of physical therapy—and even her interest in this endeavor stalls out after a number of years. Thus, Amanda’s desultory narration conveys the price she has paid for her daredevil attempt to recapture Annie’s attention, and her plight clearly demonstrates The Cost of Manipulation Within Relationships.

As their adult lives remain steeped in regret, Amanda and Annie’s continued longing for one another’s companionship and love further heightens the story’s emotional stakes, and this effect is intensified by several different flavors of dramatic irony. Just as Annie is unaware that Amanda is still alive, Amanda has no idea that Annie believes her to be dead. Likewise, when Amanda reads The Very Last and realizes its origins, she reacts with outrage, believing that Annie has willfully abandoned her for years, only to exploit the intimacy of their friendship for personal gain. There is even greater dramatic irony in the fact that Amanda does not know what Annie’s narrative makes clear: that Annie is writing about a friend she believes to be deceased, with the sole motivation of honoring her and “writ[ing] [her] best friend back to life” (146).

From a structural standpoint, Sidney’s lie about Amanda’s death is a key turning point in Annie’s story, serving as the linchpin that gives rise to the novel’s many layers of dramatic irony. Sidney’s decision also illustrates a different angle on The Cost of Manipulation Within Relationships, for although she rationalizes her lie with her belief that she is acting in Annie’s best interests, Sidney’s true motivation is to isolate Annie from her past and to dominate her future. Sidney bolsters her control over Annie by wielding her skills as a lawyer to create both the legal identity of Cass Ford and the mystique surrounding the “Cate Kay” pseudonym. On the surface, these moves appear to be for Annie’s benefit, but they only tie her more firmly to Sidney and further isolate her from her original identity.

However, the juxtaposition of Sidney’s narratives with Annie’s show that Sidney also pays a price for her manipulation. Sidney’s calculating and self-centered choices do not compel Annie to fall in love with her. Instead, Annie flees to Los Angeles as soon as she gets Ryan’s invitation. Both Annie and Sidney pretend that the decision is about business, but their narratives reveal their mutual understanding that Annie is in Los Angeles to find something essential that Sidney is unable to provide. The alacrity with which Sidney turns her attention to the Soul Cycle instructor demonstrates that Annie as a person matters less to Sidney than Annie as an object of control; once Annie breaks free, Sidney pragmatically moves on to a new target.

Thus, the contrasts between Sidney’s chapters and Ryan’s demonstrate that Ryan is a more suitable partner for Annie, and this part of the narrative reveals just how much the two have much in common. For example, Ryan implicitly understands Annie’s longing for life on a grand scale, and both women have significant experience with navigating The Gulf Between Public and Private Selves. Their instant chemistry contrasts sharply with  Annie’s lack of genuine connection to Sidney, and most importantly, Ryan never has to manipulate Annie in order to retain her interest. While Sidney has a utilitarian approach to relationships, seeing them as transactional, Ryan proves herself to be a gentle romantic who gives Annie the intimacy, attention, and respect that Annie craves. Annie’s budding relationship with Ryan makes it clear that, for much of her life, Annie has been Seeking Fulfillment in the Wrong Places. After meeting Ryan, she feels a lightness that she has not felt since Amanda’s accident, and it is clear that being in Ryan’s presence allows her to drop the burdens she has been carrying throughout her relationship with Sidney.

Twice, the narrative’s structure offers first Ryan’s and then Annie’s perspective on the same moments in time, detailing their first meeting and their first sexual encounter. This structure emphasizes how pivotal these moments are for both women and further reinforces the similarities in their worldviews. Unlike the contrasts that are highlighted when Annie’s chapters alternate with Amanda’s or Sidney’s, the dual-perspective approach to Ryan and Annie’s burgeoning romance conveys a wealth of meaningful similarities. In Chapter 30, Ryan expresses her attraction to Annie, who clearly reciprocates these feelings in Chapter 31. Likewise, in Chapters 34 and 35, the women alternately share their memories of their first night as lovers, lingering over the meaningful connection in different ways. Fagan uses this strategic positioning of chapters to indicate that Ryan and Annie’s relationship is far healthier and more egalitarian than Annie’s dying relationship with Sidney.

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