Art and Marion Fowler have been married for thirty years. On Valentine's Day weekend, broke, they decide to make a return trip to Niagara Falls, where they honeymooned, to try and win a large amount of money at the casinos before they divorce. Told through the eyes of both Art and Marion, the reader sees how they feel about each other, their marriage, and the mistakes they made along the way. Complicating matters is the fact that Art would like to remain married, while Marion is looking forward to her freedom. Could a windfall change the situation? In The Odds, O'Nan vividly recreates the setting of Niagara Falls and the emotions of a couple who know each other so well. It's very similar to O'Nan's previous short novel, Last Night at the Lobster.