When conventional New York bond trader Charlie Driggs accepts a ride home from the very unconventional Lulu, his life takes an abrupt turn. Instead of taking him home, the free-spirited Lulu takes Charlie on a road trip to Virginia, introducing him to kinky sex and robbery among other things. Things become more complicated when she explains that her real name is Audrey and persuades him to pretend to be her husband when she takes him to meet her mother. And events escalate from complicated to scary when Audrey takes Charlie to her high school reunion and her psychotic husband arrives, turning Charlie's fling into a fight for his life.