As the new year approaches, nice girl Annie O'Roarke finds herself bored and lonely. She wants more excitement. More adventure. And more sex...even if it won't be with her secret crush, her best friend, Ryan Hennessey. Annie's determined to be "bad" for once in her life, and that includes completing her "naughty" list in a city where being bad is just an ordinary day: Vegas.

Ryan Hennessey is a firefighter who relishes his time off with Annie. Annie's the only person he can count on and he'd never jeopardize their friendship. Then Ryan discovers Annie's "naughty" list. Although he's stunned Annie is raring to explore her wilder side, he doesn't trust anyone else to keep her safe.

So long as he's there to protect her, Ryan's going to teach Annie the true key to being a bad girl.

A bad girl takes what she wants.

Will Annie be brave enough to act on the passion that sizzles between her and Ryan? And will Ryan convince himself and Annie that love is worth gambling for?