60 pages 2-hour read

Only If You're Lucky

Fiction | Novel | Adult | Published in 2024

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Chapters 56-67Chapter Summaries & Analyses

Chapter 56 Summary: “After”

Sloane calls Margot and Nicole to the TV as the dean of Rutledge, Dean Hightower, appears on the news. Margot comments on the sparseness of the house since the women are slowly moving their belongings to their new apartment and settles onto the couch to watch Hightower’s speech. The dean addresses Levi’s death, adding that 23-year-old Lucy Sharpe is missing and wanted for questioning. Hightower adds that Lucy embedded herself in the Rutledge community, though she wasn’t a student at Rutledge, noting that no university rules were violated. Because Lucy befriended residents of Hines Hall and then moved off campus, she didn’t technically break any rules. Sloane is disappointed, saying that the college is avoiding responsibility, but Margot isn’t surprised. She’s mesmerized by the image of Lucy displayed on the screen.

Chapter 57 Summary: “Before”

In Lucy’s room, Margot examines the picture of herself and Eliza. She takes Lucy’s ID and pulls up the photo she took of the envelope she found in Eliza’s room. The addresses match. Margot wonders how Eliza and Lucy could have known each other and suspects that Lucy and Levi knew each other before they met at Penny Lanes. Suddenly, Lucy knocks on the front door, yelling for Margot to unlock it. Margot panics, replacing the ID and photo and grabbing a book from a stack by Lucy’s door. Margot lets her inside and says that she went into Lucy’s room to get her copy of Dr. Jekyll and Mr. Hyde. Lucy is suspicious, and Margot replaces the keys in the kitchen. Lucy grabs her purse from her room, takes the keys, and leaves, and Margot wonders if Lucy intended for her to sneak into her room.

Chapter 58 Summary

Margot searches for Fairfield, North Carolina, online, finding that it’s two hours from the Outer Banks and has a population of 226 people. Margot looks at Dr. Jekyll and Mr. Hyde, wondering if she only imagined the similarities between Lucy and Eliza. Searching for Lucy’s address on the country tax records website, Margot initially thinks that she’s misreading the information on the screen. The tax records reveal something that clarifies the events between Eliza, Levi, and Lucy.

Chapter 59 Summary

Margot realizes why Lucy and Eliza seem so similar, reflecting on the diamond necklace Lucy said her father gave her. The name on the deed for Lucy’s house is Mr. Jefferson’s, and Margot realizes that he must have had an affair when he was a musician, slept with Lucy’s mother, and then bought a house for her and their child. When Eliza thought Levi was watching her, it was Lucy in the dark, and it was Lucy who broke in and stole the picture of Margot, Eliza, and Mr. Jefferson, likely so that she could have a picture of her father. Margot sympathizes with Lucy’s desire to become part of the Jefferson family, noting how it must have been greater than Margot’s. She realizes that Lucy must have picked Sloane and Nicole because they lived on Margot’s floor of Hines Hall, picked Margot to relive Eliza’s friendship, and concocted her entire plan to become Eliza.

Chapter 60 Summary: “After”

Margot, Sloane, and Nicole prepare to leave the house for the last time, packing all their belongings to move to their new apartment. Detective Frank parks across the street, and the three women pause to wait for him. He asks about Lucy’s room, and the women explain that they were told to leave the house in its current state pending the lawsuit against Kappa Nu, and Frank comments that it will remain empty for a long time. He notices a blue note on the front door with the women’s new address on it, and they tell him that it’s for Lucy, in case she returns and wonders where they went. Frank tells them that Lucy isn’t coming back and isn’t the person they thought she was. The women don’t respond, and Frank asks Nicole and Sloane to leave, telling Margot that he needs to talk with her.

Chapter 61 Summary: “Before”

Margot spends the eight hours of Lucy’s shift in bed with her laptop dead in front of her. When Lucy gets home, she bangs on Margot’s door and calls Nicole, Sloane, and Margot to the living room. The women go to the living room, but they’re all cautious to approach Lucy, who says that they all have questions to ask and answer for each other. The others don’t respond, and Lucy gets a bottle of liquor and a knife from the kitchen. Sloane panics, stepping in front of Nicole, and Lucy explains that she wants to play truth or dare. Sloane declines, but Lucy insists that the game will be a good way for them to resolve the tension in the house. Lucy prompts Margot to spin the knife first but then points the knife at herself and chooses truth. Margot asks why Lucy did it, and Lucy smiles, telling Margot that she should already know the answer.

Chapter 62 Summary

Margot claims that she doesn’t know what Lucy is talking about, and Sloane presses them to tell her what they’re talking about. Margot remembers the night of Eliza’s death, sitting in bed watching videos of Eliza and Levi on social media. Feeling Sloane, Nicole, and Lucy’s eyes on her, Margot leaves the house and retreats to the shed. Thinking about Eliza’s death, Margot recalls putting on her shoes and going to the party at the abandoned school, planning to get Eliza home. She notes that Lucy was probably there too. At the party, Margot moved from room to room, unnoticed by her classmates, as she looked for Eliza and Levi. She found them in an upper-floor room, naked and having sex on a sleeping bag surrounded by bottles and cigarettes. Margot waited for them to finish and then stepped forward when Levi left the room. Eliza was standing by the open edge of the building. She told Margot that she planned to stay in the Outer Banks with Levi and that maybe she’d go to Rutledge the following year. Margot felt betrayed and confused, as Eliza was supposed to go to Rutledge with her, and Eliza said she loved Levi. Margot told Eliza that she was supposed to love her best friend too, and Margot turned to leave. Eliza reached out to grab Margot’s arm, and Margot threw her hand away, looking back to see Eliza falling over the edge of the torn building. Margot wasn’t sure whether, if she’d taken Eliza’s hand, she could have saved her or would have died with her.

Chapter 63 Summary

Lucy intercepts Margot by the shed, saying that she knew Margot had the potential to stand up for herself. Margot insists that Eliza’s death was accidental, realizing that Lucy made noise that night that led Margot to Eliza and Levi, manipulating Margot before they even met. Lucy tells her that Eliza deserved to die because she didn’t appreciate Margot, adding that Lucy and Margot both seek love and affection from people who reject them. Lucy admits that, seeing Eliza and Margot’s friendship and family, she decided to step into Eliza’s life once she was dead. Margot realizes that she blamed Levi for her own failures as a friend, and she asks Lucy why she killed him, realizing that Lucy should know, as a witness, that Levi didn’t kill Eliza. Lucy says that Margot killed Levi, but Margot knows that she would feel differently if she had. Lucy says that she followed Levi for a while but left him in the woods when he refused to calm down, noting that Margot was looking for Levi that night too. Margot mentions Parker, Lucy’s ex-boyfriend, and Lucy explains that Mr. Jefferson stopped sending money to her mother, breaking their agreement to live separate lives. Parker knew that Lucy intended to visit Mr. Jefferson, and they fought because Parker didn’t think it was a good idea. His death was accidental but allowed Lucy to start watching Eliza. Margot realizes that the envelope in Eliza’s drawer must be the money Mr. Jefferson was supposed to send and that Eliza unwittingly set the events in motion. Margot and Lucy agree to find out who killed Levi, suspecting Trevor. Lucy seems to realize who the killer is when she’s suddenly stabbed from behind.

Chapter 64 Summary: “After”

Margot accompanies Detective Frank to the police station, and he leads her to an interrogation room. He tells her that they learned some details about Lucy that may disturb her. He brings in Mr. Jefferson, introducing him as Lucy’s father and noticing that Margot already knows him. Mr. Jefferson, haggard and missing his wedding ring, sits with a cup of coffee. He explains that he didn’t know Lucy’s mother well and didn’t want to jeopardize his life with Mrs. Jefferson and Eliza. When Lucy appeared at his door, he rejected her. Trying to justify his actions, he notes that he paid for their home, though Margot knows that he didn’t fulfill his responsibility to Lucy as her father. Mr. Jefferson didn’t realize that Eliza knew about Lucy until the police questioned him over Christmas, after Levi reported Lucy. Levi thought that Lucy might have killed Eliza, and Mr. Jefferson implies that he believes Lucy killed both Eliza and Levi. Margot reflects on how Eliza grew close to Levi because he knew about Lucy, while Margot didn’t. When Lucy visited over Christmas break, Margot remembers how stiff Levi looked when she kissed him and how he looked confused when Lucy and Margot embraced. Frank says that he has more evidence to show Margot that might disturb her.

Chapter 65 Summary: “Before”

In the shed, Lucy bleeds from her stomach. Margot rushes to help her but sees that she’s already dead. Behind Lucy, Sloane stands, holding a knife. She explains that she had to kill Lucy, and Margot thinks that Sloane must have killed Levi too but then realizes that Sloane killed Lucy to protect Nicole, and Nicole killed Levi. Nicole enters the shed and explains that Trevor sexually assaulted her on Halloween. Levi saw Trevor assaulting Nicole but didn’t stop him. At the party on the island, Nicole stepped away before Trevor and Levi changed shirts, and she thought it was Trevor she found in the woods. She strangled Levi, thinking he was Trevor, and enjoyed feeling that she’d retaken control. However, she realized her mistake immediately afterward when she saw Levi’s face. Sloane explains that Lucy would have turned Nicole in, and Margot realizes that Lucy could have revealed how Eliza died too, blaming Margot. Margot laments how Lucy interfered in all their lives, noting how she both loves Lucy and is glad she’s dead.

Chapter 66 Summary

Margot, Sloane, and Nicole wrap Lucy’s body in one of the game bags the men used to store deer, noting the convenience of killing Lucy in the shed, which is designed for bleeding out and cleaning dead animals. Margot tells them that they’ll hide Lucy’s body along with objects like her ID and credit cards in the crawl space under the house, noting that the crawl space is much colder than the house itself. Margot finds more pictures of herself on Lucy’s phone, which has a star-themed background, and resolves to let the police find it, along with the picture of Margot, Eliza, and Mr. Jefferson from Eliza’s bedroom. Nicole isn’t sure the plan will work, but Margot and Sloane concoct a story. They’ll claim that Lucy regularly disappeared, acting calm at first, and then they’ll begin to seem concerned that she hasn’t returned, at which point Nicole will pretend to break and tell Frank about Penny Lanes and the murder discussion. The police will ultimately blame everything on Lucy, and Nicole, Sloane, and Margot will get away with murder.

Chapter 67 Summary: “Now”

In the present day, Margot arrives at her, Nicole, and Sloane’s new apartment and reports that the police are confirming Lucy as their suspect for both Eliza’s and Levi’s deaths. Kappa Nu is disbanded, but only Trevor faces charges since the fraternity men confirmed how Trevor hazed or tormented Levi into drinking heavily. Nicole is relieved, and all three women are glad their plan worked. They unpack, and Sloane notices the constellation necklace Margot is wearing, commenting that Lucy wore a similar necklace she won from a machine at Penny Lanes. Margot stole the necklace from Lucy, and she finds it humorous that Lucy lied about getting the necklace from Mr. Jefferson, remembering Eliza’s necklace, which was similar. Margot looks over her books, including Dr. Jekyll and Mr. Hyde, noting how she liked to imagine slipping into the lives they portrayed. Margot thinks about how her friendship with Nicole and Sloane is now grounded in their mutual dependence on one another, calling it the “most steadfast” friendship possible.

Chapters 56-67 Analysis

The novel unravels its mysteries as Margot and Lucy discover each other’s stories. The complexities of the mystery come from the connections between Margot and Lucy before they arrived at Rutledge. Resolving the theme of The Dualities of Identity and the Facade One Presents to the World, Margot discovers how Mr. Jefferson abandoned Lucy and her mother, leading Lucy to become obsessed with Eliza, his other daughter, and seek to replace her. Amid Lucy’s lies, Margot notes, “She’s let me in on little things, cherished tings. Things that have shown me the rarest glimpse of who she really is. Things that still make me love her” (327), later clarifying that this love developed out of common understanding. Lucy, like Margot, wanted to become Eliza or become like her: popular, confident, and in control. Although Lucy betrayed Margot, Sloane, and Nicole by lying, even stalking Eliza and Margot, Margot sees how Lucy’s actions were aligned with an effort to change, be accepted, and control her own life.


Margot, on the other hand, completes her change into the kind of person Lucy and Eliza were, which her taking possession of the necklace Lucy stole from Eliza symbolizes. Margot must finally accept her involvement in Eliza’s death, shifting the grief she expresses throughout the novel to guilt. When Lucy admits to making the noise that called Margot to the room where Eliza and Levi were having sex, she tells Margot, “I wanted you to do something […] Because we’re the same” (338), addressing their common desire to become Eliza. In pushing Eliza away, leading to her death, Margot asserted herself against Eliza’s will, revealing the other side of her identity in a violent motion. However, the novel leaves Margot’s character unresolved: She accepts Lucy’s “murky moral logic” before succumbing to Sloane’s similar logic (339), saying, “I feel myself nodding, agreeing, because I know she’s right” (358). Margot follows a pattern of doing what Eliza says, then Maggie, then Lucy, and finally Sloane, removing a critical element of agency from her character. Her taking Eliza’s necklace, however, indicates that she, like Lucy, will try to become Eliza.


Although the primary perpetrators of violence are Margot, Sloane, and Nicole, each of whom kill one other person, the theme of The Unique Challenges Faced by Young Women appears once again when Nicole reveals what happened to her on Halloween. The threat of sexual violence that permeates the text materializes in the discovery that Trevor sexually assaulted Nicole and that Levi witnessed it without interfering. As the women settle into their new apartment together, Margot notes, “All of us smiling at the thought of Trevor having to live with this forever; the consequences trailing him around for the first time in his life” (365). Although Trevor isn’t charged with sexual assault, the women relish that he’s being punished for anything, noting how men like Trevor and Levi rarely face consequences for their actions. In a way, Nicole murdering Levi punished them both: Trevor for sexually assaulting Nicole and Levi for refusing to stop him. Critically, the women celebrate Trevor’s guilt, thus eschewing their own, creating the impression that they don’t feel remorse for their own crimes. This resolution echoes Lucy’s perspective on morality, which holds that only consequences determine whether an action is moral: The women face no punishment, justifying their actions.

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