When Jenner Redwine wins the lottery jackpot, it costs her plenty. Her father rips her off and disappears, her fortune-hunting boyfriend soon becomes her ex, and friends-turned freeloaders give her the cold shoulder when she stops paying for everything. Luckily she finds an ally-and a guide to the rarefied realm of privilege in a shy, kind-hearted heiress who invites Jenner on a charity cruise. The cruise suddenly turns into a game of dizzying intrigue and harrowing danger.