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Joe McDonald wanted to know what would happen if a man let big money go to his head before he even got his hands on it. Lotto is the answer. McDonald is a retired insurance broker and is enjoying his second career as a writer. He lives on Mercer Island, Washington, with his wife, Beverly.

Michael Collins's life is fast approaching a dead end. Passed over for an expected promotion at work, his only friend is bourbon, and his soon-to-be-ex-wife is having a shameless affair with her boss. When he discovers he owns the 23 million dollar winning Lotto ticket, he thinks he has won the key to happiness-his cheating, venomous wife never needs to know.
Norm Feinberg has lost nearly all his retirement savings on the advice of his "full service" broker. To get out of representing petty crooks and flakes for another fifteen years, he is ready to do about anything. Then Michael Collins walks into his office looking to swindle his wife out of her share of the big Lotto jackpot. Norm devises a plan to cheat the cheater and make off with the winnings. Mike Collins will be the perfect patsy.