This is the end of a story about a girl named Lucky. And in some ways, it’s also the beginning…

For the past six weeks, Jonathan Tropper and Cassie Pappas’ thrilling crime drama, Lucky, has taken Apple TV subscribers on a wild ride. Based on Marissa Stapley’s bestselling novel, the series followed Luciana “Lucky” Armstrong (Anya Taylor-Joy) on a dangerous quest to retrieve missing money that her father John (Timothy Olyphant) — and later her husband Cary (Drew Starkey) — stole from her mob boss mother-in-law Priscilla Matheson (Annette Bening) and Wayne Whittaker (William Fichtner), the man who calls the shots. 

While Lucky spends the bulk of Season 1 on the run, the penultimate episode ends with her and John — newly released from prison — making a deal with the FBI. Lucky strapped on a wire and headed to a gas terminal with Agent Rand (Aunjanue Ellis-Taylor) to deliver the money to Priscilla and Whittaker, while John and Agent Gates (Mo McRae) encountered unexpected gunfire at their hotel. Ahead of Episode 6’s end credits, Gates was fatally shot, and John’s hotel room door was kicked in.

So who came to get John? Did Lucky give Wayne the money? Did her deal with the FBI go south? Who dief? And how did Lucky end? Decider’s Lucky Ending Explained article has answers — and comments from our interviews with Bening and Fichtner. (Just be warned, major Lucky finale spoilers lie ahead.)

Lucky Ending Explained: Lucky Episode 7 Recap “All Good Things”

Before we find out if John made it, in true Lucky fashion, the finale opens with a flashback. Young Lucky and her dad are at a hotel having a heated discussion about their next con. When Lucky tells her dad she’s scared because they’ve never tried this particular con, John tells her the game is the same and some good samaritan will surely help her. We don’t learn what the con was then and there, but we check in with Lucky in present-day. She’s looking out the window of Rand’s SUV, recalling the formative memory. She says she’d really like to make it out of her meeting with Priscilla and Whittaker alive, but just like her childhood scams, she knows there are no guarantees.

Before Dutch (Clifton Collins Jr.) sees Priscilla off, he gives her a watch of Cary’s that he found, and she puts it on to feel closer to him. The poignant memory of her late son arrives seconds before Whittaker — Cary’s estranged father who wanted nothing to do with him — picks her up. Needless to say, Priscilla’s emotions are running high, so when Whittaker finally says he’s sorry about how things shook out with Cary, explaining, “I know I should have said that sooner. Sentiment is difficult for me. My father beat every last bit of it out of me before I hit puberty. That’s why I never had kids,” Priscilla is visibly fed up. When she reminds Whittaker he did have a kid, he snaps, “That was your choice, not mine. You knew where I stood on that.”

Before Wayne and Priscilla arrive at the meeting spot, Rand and Lucky scope it out and meet with Agent Kershaw (Eric Lange). He tells Lucky she has to get Whittaker to admit that he was aware of and profited from the gas scam. But when the agents head to a nearby tower to watch through binoculars, chaos ensues. Unlike Priscilla, Lucky doesn’t shrink in Whittaker’s presence, and it knocks him off balance. She returns every verbal blow he slings her way, and when he suggests she could have worked for him in another life, she shoots Patricia a glance and says, “No thanks, I know how you treat the women who work for you.” Before Whittaker has time to recover, Lucky reveals that Cary brought him up whenever they discussed having kids. Cary wanted a girl, she says, because he didn’t think he’d know how to raise a son and couldn’t understand why his father was estranged. She adds that Cary stole the money as”his special way of saying, ‘Fuck you, Wayne.’”

When Whittaker demands the money, he’s shown a phone with nearly $10 million worth of crypto in need of a seed phrase that Lucky says is her life insurance. When Priscilla slams her for not revealing the cash was converted to crypto, Lucky drops the bomb: Whittaker already knew, just like he knew Cary was in La Jolla. His corrupt buddy, Agent Kershaw, has been feeding him inside info. Rand pulls a gun on Kershaw and the two engage in a brutal battle atop the tower. Meanwhile, Whittaker raises the stakes by bringing out a bloody, zip-tied John as leverage. Lucky refuses to bend and offers the same terms as before: She and her dad walk, then she the seed phrase. Her refusal to fear Whittaker infuriates him, so he hands Priscilla his gun and orders her to kill Lucky in front of John to prove herself. With the gun to Lucky’s head, Priscilla says, “I’m sorry,” then turns and shoots Whittaker. And the crowd (me!) goes wild!

Turns out Dutch followed them to the gas terminal and helps her take out Whittaker’s men. “Look at you, crawling on the ground like a bug. Have some dignity for fuck’s sake,” she tells Whittaker. “If you had tried even once to be any kind of a father to my boy, you wouldn’t be in the position you’re in right now.” She shoots him in the head and finally regains her power.

“In the end, she gets a bit of her own back,” Bening told DECIDER over Zoom. “My god, I loved it. I knew I was going to be able to blow him away, and it was so fun… and I felt he deserved it.”

“I think it was mentioned somewhere along the line that what would happen to Wayne in the end, but I must say, as the season unfolded and we shot everything, you get to that final [scene], and if Wayne had a blind spot, it was Priscilla. Because no way did he see that coming, which is really fascinating,” Fichtner told DECIDER over Zoom. “So if Wayne trusted anything in his very twisted dynamic and relationship, it was the trust he had with her.” 

In another twist, Priscilla not only lets John and Lucky go, but gives them the money, because it’s what her son would have wanted. “I think there’s a part of her that’s got that in her. She’s got the ability to do that. And the older I get and the more life experience I have, the more I see that there are these things that we all do that don’t make sense, and these complexities and contradictions that we all have inside of us,” Bening explained. “And I think she has a soft spot for John. I think she always did. She’s probably kind of in love with him in some twisted way. And Lucky, she admires her, even though she drives her nuts.

Though Rand took down Whittaker and a high-level FBI mole, she still shows up at Priscilla’s house before the finale’s end, blaming her for the death of her partner and vowing to “fucking get” her one day.

At a motel later that night, John and Lucky swap recurring dreams. In prison, John frequently dreamed that he used baby Lucky’s innocent charm to get himself out of lockup — which sounds like an accurate reflection of how he used her all her life. And Lucky says she frequently dreamt she was drowning. When the finale’s opening flashback finally plays out, we learn that the con John had her run as a kid involved her nearly drowning in a pool to get their rooms comped. She knows the lingering trauma of the con manifested in her nightmare, but John interprets the dream drowning as fear of “not having enough time to do the things you want to do.” In that moment, Lucky realizes how little he cares about her. While he’s eager to start fresh and spend Cary’s money, Lucky wants nothing to do with it. She shows him the teddy bear and reveals how she learned the seed phrase, but when she wakes up the next morning, the bear and John are gone.

As John leaves his daughter in the dust and speeds away in their SUV, he squeezes the teddy bear to hear the seed phrase again and hears a recording of Lucky’s voice instead. “Hey dad, I had a feeling you’d do this — a feeling I’ve been ignoring for most of my life. I don’t remember a time when you weren’t working an angle. That’s just who you are. You knew I couldn’t swim. But the best cons are 90% truth, dad. And the truth is, I was drowning. Just so you could threaten to sue and get our rooms comped. The truth is, you were willing to risk my life for the con. And I’m not anymore. I’m not giving you the money. But I’m giving you your freedom. I hope you use it wisely. I love you, Dad. But you won’t see me again. Goodbye.”

Like Lucky told John in the penultimate episode, she’s better at this than John. And she was one step ahead yet again. She sent Rand the laptop and seed phrase to clear her debt. And the final shot shows Lucky walking across a beach, letting waves crash against her feet. John is furious, but Lucky smiles, throws her hands in the air, and is finally free.

Stay tuned for more Lucky coverage from Decider.