Only If You’re Lucky Summary, Characters and Themes
“Only If You’re Lucky”, published in 2024 and authored by Stacy Willingham is a gripping thriller that delves into the dark complexities of friendship, obsession, and hidden secrets.
The story follows Margot, a young woman who navigates the aftermath of her best friend Eliza’s mysterious death and the shadowy presence of Eliza’s enigmatic half-sister, Lucy. As Margot tries to move on, she becomes entangled in a dangerous web of deceit, leading to chilling revelations.
Summary
Margot and Eliza Jefferson were inseparable growing up, their friendship forged despite sharp contrasts—Margot was quiet, introspective, and cautious, while Eliza shined bright, effortlessly magnetic and adored by everyone. Their bond held strong until senior year, when Levi Butler moved in next door.
Levi was charming and enigmatic, quickly entangling himself with Eliza. As the two grew close, Margot found herself on the outside, watching her best friend slip away into secrets she wasn’t allowed to share. Resentment festered. Then, during the senior class party, Eliza fell to her death. Levi was the last person to see her alive. The incident was ruled accidental, but Margot never believed it.
Haunted and hollowed out, Margot heads to Rutledge College determined to start over. Her roommate, Maggie, is kind but unremarkable, and Margot keeps her at arm’s length. Then she meets Lucy Sharpe.
Lucy is captivating—beautiful, intense, with a magnetism that pulls people in. She’s surrounded by two loyal friends: Sloane Peters, sharp and aloof, and Nicole Clausen, vivacious and impulsive. Despite her instincts, Margot is drawn in. When Lucy invites her to move into an off-campus house owned by the Kappa Nu fraternity for the summer, Margot accepts.
The house is a blur of parties and chaos. It’s there that Margot sees Levi again, now a student at Rutledge. Old suspicions flare. When Lucy begins flirting with Levi, Margot tries to warn her, but Lucy brushes her off. The more time Margot spends with Lucy, the more she sees signs of manipulation, control, and something far more disturbing.
As fall semester begins, the group begins to splinter. Margot and Sloane retreat into academics, while Nicole and Lucy dive deeper into recklessness. Nicole’s relationship with Trevor, the Kappa Nu president, unravels under Lucy’s influence.
Then, one night, Nicole is attacked. Margot suspects Levi, but no one believes her—not even Nicole. Tensions build to a boiling point at a secluded island party thrown by the fraternity. There, after a confrontation between Levi and Trevor, Margot uncovers a shocking truth: Lucy is Eliza’s half-sister.
Lucy’s obsession wasn’t just with Margot—it was with Eliza’s entire life.
By morning, Levi is found dead, strangled during the night. As the police begin investigating, Margot confronts Lucy, who accuses her of playing a part in Eliza’s death by abandoning her. But before the full truth can come out, Sloane intervenes—knowing that Nicole killed Levi in a panic—and kills Lucy to keep their secrets buried.
The three women hide Lucy’s body beneath the fraternity house and face the investigation led by Detective Frank. They never lie, but they never tell the truth either. The fraternity is shut down in the scandal’s wake, and Margot, Sloane, and Nicole move into a new apartment, their lives permanently intertwined.
They’re no longer friends. They’re co-conspirators. And the only thing more dangerous than the secrets they keep… is each other.

Characters
Margot
Margot is the central protagonist of Only If You’re Lucky, embodying a character that is both deeply introspective and emotionally complex. Her journey throughout the novel is marked by her struggle to reconcile the loss of her best friend, Eliza, with lingering feelings of guilt and inadequacy.
Margot’s timid nature contrasts sharply with the bold and outgoing personalities of the people around her, particularly Eliza and later, Lucy. This contrast highlights Margot’s internal conflict between her desire to break free from her reserved persona and the comfort she finds in her familiar caution.
Her grief over Eliza’s death drives much of her behavior, including her decision to attend Rutledge College despite her parents’ objections. Margot’s interactions with others, especially her attraction to Lucy, reveal her vulnerability and her deep-seated need for connection, which she often struggles to achieve.
As the story unfolds, Margot’s character develops from a passive, grief-stricken young woman into someone who is more assertive. Even if her actions are driven by a complex mix of emotions, including fear, jealousy, and guilt.
By the end of the novel, Margot’s reliance on her new friends Sloane and Nicole underscores her transformation. She evolves from isolation to a dependent, though still somewhat fractured, member of a tight-knit group.
Eliza Jefferson
Eliza serves as the catalyst for much of the novel’s events, even though she dies early in the story. She is portrayed as outgoing, charismatic, and somewhat enigmatic, drawing people toward her with ease, including Margot and Levi.
Eliza’s relationship with Margot is central to the story’s emotional core. It’s a friendship built on a shared history, but one that is ultimately fragile due to their differing personalities and life choices.
Eliza’s romance with Levi marks the beginning of her separation from Margot, leading to the dissolution of their once-close friendship. Her mysterious death is a pivotal moment in the novel, shaping the lives and actions of the characters who survive her.
The revelation that Lucy is her half-sister adds a layer of complexity to Eliza’s character. It suggests that her life was marked by secrets and lies, elements that echo throughout the narrative.
Lucy Sharpe
Lucy is one of the most intriguing and mysterious characters in the novel. She enters Margot’s life at a time when Margot is vulnerable and searching for something—or someone—to fill the void left by Eliza’s death.
Lucy is charismatic and enigmatic, with a past shrouded in mystery. Her behavior is often manipulative, as she exercises control over those around her, particularly Margot, Sloane, and Nicole.
Lucy’s connection to Eliza, revealed later in the novel, adds a chilling dimension to her character. Her obsession with Eliza and desire to take over her life underscore her instability and her deep-seated need for identity and belonging.
Despite her manipulative tendencies, Lucy’s tragic backstory elicits a degree of sympathy. Readers come to understand the pain and rejection that have shaped her.
Ultimately, Lucy’s death at the hands of Sloane is both a consequence of her actions and a testament to the dangerous game she was playing.
Sloane Peters
Sloane is portrayed as a grounded and perceptive character who is more cautious than her friends, especially when it comes to Lucy. Her suspicion of Lucy’s true intentions demonstrates her protective nature, particularly regarding her friends Margot and Nicole.
Sloane’s concern for Nicole’s well-being is evident throughout the novel. She ultimately takes drastic action to protect her friend by killing Lucy.
This act, while shocking, is motivated by Sloane’s desire to shield Nicole from the consequences of her actions. She also seeks to preserve their group’s safety.
Sloane’s pragmatic approach to their situation, including her role in hiding Lucy’s body, contrasts with Margot’s more emotional and conflicted perspective. Sloane emerges as a character who, while morally ambiguous, is driven by loyalty and a fierce sense of duty to her friends.
Nicole Clausen
Nicole is perhaps the most vulnerable member of the friend group, and her character arc is deeply intertwined with themes of trauma and survival. Initially portrayed as somewhat naive and carefree, Nicole’s character darkens as the novel progresses, particularly after her relationship with Trevor deteriorates.
Nicole’s sexual assault by Trevor is a pivotal moment that significantly impacts her mental and physical health. Her response to the assault, particularly her accidental killing of Levi, reveals a deep-seated need for justice and retribution, even if it is misguided.
Nicole’s fragility is further highlighted by her reliance on her friends, particularly Sloane, who takes on a protective role. By the novel’s end, Nicole is a character who has been irrevocably changed by her experiences, relying heavily on the support and secrecy of her friends to navigate the aftermath of the violence she has endured and perpetrated.
Levi Butler
Levi is a complex character who serves as both a love interest and a source of tension within the narrative. His relationship with Eliza introduces the first major rift between her and Margot, setting the stage for much of the novel’s conflict.
Levi’s presence at Rutledge College and his interactions with the other characters, particularly Lucy, further complicate the dynamics of the group. Levi is portrayed as secretive and somewhat inscrutable, with his true motivations and feelings often obscured.
His death is a turning point in the novel, shifting the focus from the group’s internal conflicts to the external consequences of their actions. Levi’s character is ultimately a tragic one, marked by his unresolved relationships and the mystery surrounding his connection to both Eliza and Lucy.
Trevor
Trevor is a secondary but significant character, representing the darker aspects of college life and male privilege. As the president of Kappa Nu, he embodies the power and influence that comes with his position, but his character is also marked by violence and exploitation, particularly in his treatment of Nicole.
Trevor’s relationship with Nicole, which begins at Lucy’s urging, quickly becomes toxic and abusive. It culminates in his assault on Nicole.
Trevor’s character serves as a foil to the female characters, highlighting the dangers they face in their social environment. His eventual downfall, facing charges for endangering Levi, represents a partial justice for his actions, though it is the women who ultimately take matters into their own hands to protect themselves.
Maggie
Maggie is a minor character who represents the path not taken by Margot. As Margot’s roommate in her freshman year, Maggie embodies the qualities that Margot initially identifies with: caution, timidity, and a focus on academics.
However, Margot’s desire to change and distance herself from her past, including her grief over Eliza, leads her to abandon her friendship with Maggie in favor of the more dangerous and exciting relationships with Lucy, Sloane, and Nicole. Maggie’s presence in the story serves as a reminder of the choices Margot has made and the consequences of those choices.
Detective Frank
Detective Frank plays a crucial role in the novel’s conclusion, representing the persistent threat of discovery and justice that looms over Margot, Sloane, and Nicole. Although he is not given a detailed backstory, his character is significant as a symbol of the external pressure and scrutiny that the women face in the aftermath of Levi’s death and Lucy’s disappearance.
Frank’s frequent visits to the three women’s new apartment serve to heighten the tension and paranoia that they feel. Even as they manage to evade direct confrontation with the law.
Themes
The Complexities of Female Friendship and Identity
Only If You’re Lucky explores the intricate and often tumultuous nature of female friendship, particularly through the lens of identity formation and transformation. The novel delves deep into how these relationships can be both nurturing and destructive, often at the same time.
Margot’s relationship with Eliza begins as a typical childhood friendship, yet it is marked by a power dynamic that leaves Margot feeling increasingly overshadowed by her more charismatic friend. As Margot tries to redefine herself at Rutledge College, she encounters new friendships that echo the complexities of her past.
Lucy, with her enigmatic presence, becomes a central figure in Margot’s life, embodying both the allure and danger of deep, emotionally charged female friendships. Through these relationships, the novel examines how identity is often shaped by the perceptions and influences of others, and how the quest for self-actualization can lead to both empowerment and destruction.
The Intersection of Grief, Guilt, and Obsession
Grief is a pervasive theme in the novel, intertwining with guilt and obsession to create a dark and oppressive atmosphere that drives the narrative forward. Margot’s grief over Eliza’s death is not straightforward; it is complicated by her guilt over their estranged relationship and her unspoken resentment towards Levi.
This unresolved grief leads Margot into an obsessive pursuit of answers, both about Levi’s role in Eliza’s death and about Lucy’s mysterious connection to her. Lucy’s obsession with Eliza, fueled by her desire to take over her half-sister’s life, mirrors Margot’s own obsessive tendencies, creating a psychological tension that permeates the novel.
The characters’ inability to process their grief in a healthy way leads to destructive behaviors, ultimately culminating in violence and further tragedy.
The Destructive Power of Secrets and Deception
The novel intricately weaves a web of secrets and deceptions that underscore the precarious nature of truth and trust in relationships. From Levi and Eliza’s clandestine activities to Lucy’s hidden identity and motives, the characters are constantly surrounded by layers of concealment.
These secrets, when revealed, have devastating consequences, unraveling relationships and leading to a cascade of events that result in death and betrayal. The theme of deception is also tied to the idea of appearances versus reality, as many characters, particularly Lucy, present a carefully crafted image that conceals their true intentions.
The novel suggests that the burden of secrets can erode the very foundation of trust, leading to paranoia, fear, and ultimately, violence.
The Manipulative Dynamics of Power and Control in Relationships
Power and control are central to the interactions between characters in Only If You’re Lucky, particularly in the way they manipulate one another to achieve their goals. Lucy’s manipulation of her friends, especially Margot, is a clear example of how power can be wielded in subtle and insidious ways.
Lucy’s behavior is not overtly domineering, but she exercises control through psychological manipulation. She carefully orchestrates events and interactions to serve her hidden agenda.
This theme extends to other relationships in the novel, such as Nicole’s relationship with Trevor, where power dynamics play out in harmful and abusive ways. The novel examines how the desire for control can lead individuals to commit heinous acts, often under the guise of friendship or love, and how these dynamics can trap individuals in cycles of abuse and retaliation.
The Haunting Presence of the Past and the Inescapability of Trauma
Only If You’re Lucky is deeply concerned with how the past continues to haunt the present, particularly through the lens of unresolved trauma. Margot’s inability to move on from Eliza’s death is a manifestation of her unresolved guilt and grief, but it also speaks to the broader theme of how the past can infiltrate and dictate the present.
Lucy’s entire existence is a testament to the inescapability of the past, as she seeks to recreate Eliza’s life as a way of dealing with her own trauma and abandonment issues. The novel suggests that trauma, when left unaddressed, can lead individuals to repeat the past in destructive ways, ultimately leading to a cycle of violence and tragedy.
The haunting presence of the past is not just a psychological burden for the characters. It is a physical one as well, as evidenced by the literal and metaphorical crawl spaces and hidden places where secrets are buried but never forgotten.
The Fragility of Truth and the Construction of Reality
At its core, the novel questions the nature of truth and how reality is constructed through subjective experiences and perceptions. Throughout the story, the characters grapple with their own versions of the truth, often at odds with one another, leading to a fractured and unstable sense of reality.
Margot’s memories of Eliza, her suspicions of Levi, and her perceptions of Lucy are all colored by her emotions and biases, making it difficult to discern what is real and what is imagined. The novel plays with this ambiguity, blurring the lines between reality and illusion, and suggesting that truth is often a construct of the stories we tell ourselves and others.
This theme is further explored through the deceptive nature of appearances, as characters like Lucy create false realities to manipulate those around them, leading to a profound questioning of what can be believed and what cannot.