Ten months after the events detailed in TOO LUCKY TO LIVE, Allie Harper and Thomas Bennington III reside in a rented 9,000-square-foot lakeside mansion. Otis Johnson, Allie's deliverer from last summer's would-be-kidnapper, is now their live-in bodyguard and gourmet chef. Allie's dream of creating the T&A Detective Agency to solve "mysteries of the heart" now has its first case. Lloyd Bunker's obsession with avoiding stoplights has run him and his '67 Pontiac GTO off the road. T&A recruits Allie's former nemesis, Officer Tony Valerio, plus her best friend and ex-landlady Margo and television reporter Lisa Cole, to help them follow a lethal trail of escalating crimes ranging from scrapping to pushing opioids to multiple murders.

Allie Harper has a chance encounter with Thomas Bennington III, a blind man who has just bought a MondoMegaJackpot ticket. Later that night, Tom hears the numbers announced. He's won. And he's less than thrilled. PhD Tom had gambled on the odds of losing to prove a point to Rune, a kid from the projects he has befriended, that only losers buy lottery tickets. Instead, Rune, who had helped pick the numbers, will share Tom's jackpot. Allie and Tom grasp two things: one, they're hot for each other, and two, the ticket is a hot target, and now so are they. Once the Mondo ball drops, it's game on with killers and kidnappers as players.