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In the 2020 film Nomadland, the most crucial action made by the lead character, Fern (played by Frances McDormand), is her decision to reject a permanent home with Dave and return to the road, followed by her final visit to the ghost town of Empire, Nevada, to dispose of her remaining belongings.
While the film is a series of quiet moments, these actions represent the climax of Fern’s internal journey: transitioning from a person "forced" into nomadism by economic tragedy to a person who "chooses" the lifestyle as a way of living with her grief.
The most significant turning point occurs when Fern visits Dave (David Strathairn) at his son’s comfortable home. Dave has abandoned the nomadic life to be with his family and explicitly invites Fern to stay with him permanently, offering her a guest house and a place in his life.
The person who most directly helps Fern reach the clarity needed for this decision is Bob Wells (a real-life nomad playing himself).
Another character who helps Fern make this choice is Swankie (another real-life nomad).
After her conversation with Bob, Fern performs the final physical "action" of her arc: she returns to Empire, Nevada. She walks through the abandoned gypsum plant where she and her husband worked and visits their empty home. She then sells her remaining storage unit items.
The summary implies Bob Wells helped Fern decide to leave Dave. In reality, she left Dave first, then sought Bob's community, where she found the closure needed to visit Empire.
The most crucial action Fern takes is rejecting the offer of a permanent home with Dave to return to the road. She makes this decision independently, leaving Dave's house without saying goodbye. Following this, she returns to the Rubber Tramp Rendezvous, where a conversation with Bob Wells about his late son helps her find the closure needed to visit her former home in Empire, Nevada, and finally dispose of her storage unit belongings.