Harper works at a pier with coworkers who place bets and dares to compete for a monetary prize at the end of summer. Remi is the new coworker who gets hazed into the group and gets added into their found family. He's a trivia buff, not a risk taker, so he's a bit out of his comfort zone.

Harper is waiting for her ex to come to her senses, but after seeing her post a picture with another guy, Harper decides it's time to move on for real (or at least look like it).

She proposes an Island Risk Bucket List to Remi in exchange for being her fake boyfriend. While getting into a (fake) relationship is scary, he's tired of getting flack from his family and best friend about his lack of life experience.

Feelings develop but fears die hard. In the end, they must decide if they're worth the risk.