Tess Whitney, a rich daddy's girl, is drifting through her life, trapped in the shadow of her family's immense wealth. Unhappily engaged to a European playboy, whom she suspects is cheating on her, and needing time to think about her future, she escapes on a spontaneous trip to her family's remote lake cottage. There she finds herself entangled in a series of steamy misadventures—at the mercy of a horny tentacle monster, long rumoured to live deep within the lake. Naked and adrift in a sinking life raft. Rescued by a rough, young fisherman who turns out to be more than he seems. And in the company of a compelling but controlling older billionaire, who offers her a new, carefree life. But at what cost? (Oh, and she's naked the whole time.)