IOU
It’s official. I, Ainsley James, am crazy.Desperate and crazy. It’s the only explanation as to why I’m nauseous, standing outside Maverick Lexington’s door.I mean, it’s possible the stories about his deck of playing cards—with the words IOU scrawled across the back—are just rumors of the ruthless quid pro quo deals he barters. But the flutters in my stomach know better. Maverick is as cold as they come. But, I need one of those cards. I NEED to owe Maverick Lexington a favor… Whatever the terms, I’m willing to pay. Because, at this point, I have nothing left to lose.

IOU Details

TitleIOU
Author
LanguageEnglish
ReleaseApr 29th, 2020
PublisherKristy Marie Books
Rating
GenreAcademic, College, New Adult, Romance

IOU Review

  • ♂️Must Have Book Boyfriends ♂️
    January 1, 1970
    ""Your soaked pussy," he drawls, dragging a finger over my wet panties, "is all the reinforcement I need." THIS FREAKING BOOK! It was exactly the book I needed in my life!! Maverick motherfuuuucking Lexington is my new FAVE book boyfriend!! I adored EVERYTHING about this story!! It's a fun, flirty, sexy, tension-filled slow burn romance. I adored the banter between Maverick and Ainsley. The secondary characters were AMAZING, I couldn't get enough!! I NEED more of this world! AND YES, I TOTALLY ""Your soaked pussy," he drawls, dragging a finger over my wet panties, "is all the reinforcement I need." THIS FREAKING BOOK! It was exactly the book I needed in my life!! Maverick motherfuuuucking Lexington is my new FAVE book boyfriend!! I adored EVERYTHING about this story!! It's a fun, flirty, sexy, tension-filled slow burn romance. I adored the banter between Maverick and Ainsley. The secondary characters were AMAZING, I couldn't get enough!! I NEED more of this world! AND YES, I TOTALLY JIZZED MY PANTS!IOU by Kristy Marie is coming LIVE!✔Off the charts chemistry✔A broody, mysterious hero✔A hilarious heroine✔Steam✔Epic BanterTake a card.Owe him a favor.I promise, you'll regret it.US 🇺🇸 https://amzn.to/2Sn9vLIUK 🇬🇧 https://amzn.to/2SqdO98CA 🇨🇦 https://amzn.to/3bVtclqAU 🇦🇺 https://amzn.to/2KNvbMG...#MUSTHaveBookBoyfriend #MustHaveMaverick #SerenaFave #TattooedAndPierced #YESPlease #AlphaHotness #SlowBurn #IWantedMavToDickMeDown
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  • Jessica ❥Chatterbooks Book Blog❥
    January 1, 1970
    When you become invested in a main character and experience a myriad of emotions in the very first chapter, you know it's going to be a damn good book! 😍 I adore Maverick and Ainsley! He's broody, mysterious, and alpha af. She's quirky, sassy, and fucking hilarious! Together, they're nothing short of perfection! I hope Kristy gives us a cameo of these two in future books. I've become attached! 😭 The side characters stole my heart, too! I need their stories! All of them! 😂 Full Review to come!
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  • Natalie ✩★ The Biblioholic ★✩
    January 1, 1970
    As soon as I cracked this baby open, I was laughing. Seriously. The first chapter set the stage for what would be a hilariously unique romance I could really sink my teeth into. I've never read a story quite like this one and I recommend it to everyone looking for a hilarious romance.Mysterious, alpha hero ✔Sassy, fearless heroine ✔An entertaining set of side characters ✔A must-read college love story ✔After finding her boyfriend cheating on her with her roommate, Ainsley is out of friends, out As soon as I cracked this baby open, I was laughing. Seriously. The first chapter set the stage for what would be a hilariously unique romance I could really sink my teeth into. I've never read a story quite like this one and I recommend it to everyone looking for a hilarious romance.Mysterious, alpha hero ✔Sassy, fearless heroine ✔An entertaining set of side characters ✔A must-read college love story ✔After finding her boyfriend cheating on her with her roommate, Ainsley is out of friends, out of a home, and out of options. What's a college girl to do? Sleep in her car. What she didn't count on was a 'guardian angel' in the form of a firefighter, a man who was watching out for her. A man who could put up with her idiosyncrasies when other's wouldn't, but he could only do so much. When she's finally desperate, she goes to the one person who can really help her. A man known around campus to collect favors. Maverick was definitely holding all the cards and when it came to Ainsley, he had no problem letting her rack up more debts.There were tons of things to like about this book, such as the brooding Maverick, who was upset (and yet, not so much) about how Ainsley completely smashed through his life like an elephant in a China shop. For her, his rules were more like guidelines and his secrets were only safe until she ultimately dug them up. Their banter, their every interaction, prompted a laugh from me and I'm sure many others will find them just as humorous as I did.
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  • Naadira Moodley (BookedMercy)
    January 1, 1970
    You know when a book is epically beautiful and downright hilarious when, by the end of reading it, you are positively glowing... Well, that is the feels I have from reading this book. It's been a couple of days since I have read IOU but I am still high from the endorphin rush. I am giddy! I had a constant smile on my face throughout this whole book.Maverick and Ainsley are characters that you will undoubtedly fall in love with. If you think you already have a favorite character from one of You know when a book is epically beautiful and downright hilarious when, by the end of reading it, you are positively glowing... Well, that is the feels I have from reading this book. It's been a couple of days since I have read IOU but I am still high from the endorphin rush. I am giddy! I had a constant smile on my face throughout this whole book.Maverick and Ainsley are characters that you will undoubtedly fall in love with. If you think you already have a favorite character from one of Kristy's books, someone that you compare characters to, then prepare for your loyalty to be tested. Mine was and I failed because Maverick and Ainsley are my ultimate OTP. Ainsley is unlike any character you have read before. She is a mess. A perfect quirky mess! I was constantly laughing at the stuff that came out of her mouth. I loved being in her head. She is witty and wacky and although Maverick scared her, she was completely herself. And that is what made Maverick fall in love with our little firebug.Maverick, oh Maverick, oh Maverick... So grumpy... So closed-off... So sexy... So my new favorite! He was so perfect for Ainsley. They balanced each other. He was such a mystery and puzzle that I wanted to crack. The method behind his IOU's was ingenious! I so desperately wanted to know why Ainsley was at Maverick's door! That blurb was during me crazy. I had this picture, in my head, of what Maverick is going to be like and how he is going to behave and in certain aspects he was like that but he still surprised me. I was captivated by him. I loved the fact that Mav and Ain's relationship was not rushed. It had a slow burn feel to it.(I'm a total sucker for that btw.) We got to feel what they felt. It was a journey that we got to be a part of. Kristy deviated from her normal genre and our favorite marines and decided to try something new–to give us something new to experience–and it paid off. This is book that you can't help but fall in love with.
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  • Sarah
    January 1, 1970
    ***** 5 GENIE IN A BOTTLE STARS *****Well Kristy Marie did it again....just when I thought I couldn't love her writing any more, she has created a new world with unique and quirky characters who will make you laugh and swoon with every page!K Marie's books are ones that when I open the pages, I just feel like I'm "home." The characters are relatable, the story lines are easy, witty, yet unexpected at times. They will draw every emotion from you, and at the end of it - you are crying for more. ***** 5 GENIE IN A BOTTLE STARS *****Well Kristy Marie did it again....just when I thought I couldn't love her writing any more, she has created a new world with unique and quirky characters who will make you laugh and swoon with every page!K Marie's books are ones that when I open the pages, I just feel like I'm "home." The characters are relatable, the story lines are easy, witty, yet unexpected at times. They will draw every emotion from you, and at the end of it - you are crying for more. This is exactly what IOU was for me...I didn't want it to end. I was grinning from ear to ear at this surprising couple, and fell just as hard for every side character as I did for both Maverick and Ainsley. And there is a cameo in here that if you are a K Marie fan, will have you standing up and cheering!I don't want to spoil one thing about this book because that is the fun of it....it will surprise you at every page! I am SO head over heels in love with these characters and their story, and have already begged K Marie for more of them! Well done once again!!!
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  • Keri Loves Books
    January 1, 1970
    This story delivered a fresh and original storyline with laughter and feels that I have come to expect from the author. I wouldnt mind owing favors to the one and only Maverick Lexington! This hot AF card/loan shark has all the right moves. Hes the king of favors and he always cashes in!!!Maverick is the guy you seek out on campus when you need something. Hell make it happen, but there is always a price to be paid. Hell help you out and youll owe him a favor whenever he decides to call it in. This story delivered a fresh and original storyline with laughter and feels that I have come to expect from the author. I wouldn’t mind owing favors to the one and only Maverick Lexington! This hot AF card/loan shark has all the right moves. He’s the king of favors and he always cashes in!!!Maverick is the guy you seek out on campus when you need something. He’ll make it happen, but there is always a price to be paid. He’ll help you out and you’ll owe him a favor whenever he decides to call it in. The man is clever. He knows exactly how to get what he wants.Ainsley is quirky, a little bit crazy (but the good kind), and a whole bunch of fun! I adored her. She’s just been screwed over by her long time boyfriend and her roommate. Now with no place to live, she’s looking for the guy that makes things happen. He’s her last hope.Maverick is willing to help, but it’s going to cost her. He never agrees to a favor without getting what he wants. Mav just took on more than he ever expected. This is one IOU that’s life changing.I read IOU in one sitting because I was swept up in this super fun and sassy romance. The story brings us some of the best secondary characters that you’ll absolutely love. The build up and tension between Maverick and Ainsley was straight up HOT! There was such incredible wit, interlaced with emotion and constant laughs. The author kept a smile on my face the entire time and I LOVED these characters.
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  • Milos Mojsilovic
    January 1, 1970
    Kristy Marie may not be most mainstream of names when it comes to romance writers but she is one of it's finest contributors. Her characters and stories are personal and relatable. Educational and funny. Captivating and engaging. And most of all passionate and heartbreaking.IOU is no exception. She once again weaves a story that has you hooked from the very beginning, and captivates, mesmerizes, and dazzles you to the very end.You meet Ainsley James & Maverick Lexington and the fire that Kristy Marie may not be most mainstream of names when it comes to romance writers but she is one of it's finest contributors. Her characters and stories are personal and relatable. Educational and funny. Captivating and engaging. And most of all passionate and heartbreaking.IOU is no exception. She once again weaves a story that has you hooked from the very beginning, and captivates, mesmerizes, and dazzles you to the very end.You meet Ainsley James & Maverick Lexington and the fire that brought them together. She's crazy & desperate & in love with sea lions and he's the most secretive guy around.So while Kristy's brilliance isn't widely recognized just yet, it is there. And this book is just another proof
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  • Ri
    January 1, 1970
    This book is a Royal Flush.One of my most anticipated books of this year. Since I first discovered this author, I have watched her steadily get better and better. From the get-go, this author had a gift at creating a story that resonated with me but this one might just be my favorite that she has written.From the blurb, the cover, to the actual story, this book not only met my expectations but surpassed them. The premise of the story was unlike anything I had read before. It was fresh and unique This book is a Royal Flush.One of my most anticipated books of this year. Since I first discovered this author, I have watched her steadily get better and better. From the get-go, this author had a gift at creating a story that resonated with me but this one might just be my favorite that she has written.From the blurb, the cover, to the actual story, this book not only met my expectations but surpassed them. The premise of the story was unlike anything I had read before. It was fresh and unique and much needed in romancelandia where, like it or not, there seems to be a rehashing of the same old stories. That isn't to knock other romance books because no one is reinventing the wheel here but it is always a much needed reprieve to have something so unexpected; a palette cleanser of a sort. Strong characters, a dash of mystery in regards to the IOU's and what they meant or when/if they would be cashed in, and chemistry galore. I loved Maverick, he was everything and then some, but perhaps the one that stole the show was Ainsley. Sweet holy hell, this little spitfire of a pyromaniac. Her quirkiness was refreshing. Watching her regain her purpose and self-identity was endearing. Together, these two were fire, only no fire-extinguishers were needed to put them out. There were twists to this story that I didn't see coming which made me like the book that much more.From the first page to the last page this was a book that I couldn't read fast enough, even knowing that by reaching the end that it would be over. That is the true hallmark of a great book. Loved the secondary characters (I want more of them) including some tied to the CiB series (This scene; in particular; had me laughing for obvious reasons!), and I left feeling like this author could take me in several different directions and I would be more than okay with that.I highly recommend this book. There is a reason that this author is one of my favorites.
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  • Brit *My Little Book Nook*
    January 1, 1970
    I cant remember the last time a book made me laugh this much. IOU was so good. It was hilarious, sexy, and full of heart. Five stars, and Ill be looking out for side characters books. I love Ainsley James. She is quirky and hopeful. Even after a cheating boyfriend, a conniving roommate, and a, um, small apartment fire leaves her homeless, she refuses to give up. She tries to stay positive and make the best of the situation, which I absolutely loved about her. She doesnt always make the best I can’t remember the last time a book made me laugh this much. IOU was so good. It was hilarious, sexy, and full of heart. Five stars, and I’ll be looking out for side characters’ books. I love Ainsley James. She is quirky and hopeful. Even after a cheating boyfriend, a conniving roommate, and a, um, small apartment fire leaves her homeless, she refuses to give up. She tries to stay positive and make the best of the situation, which I absolutely loved about her. She doesn’t always make the best decisions (like going to campus's most gossiped about bad boy for a favor), but she’s authentic and determined. She also absolutely cracked me up. Maverick is a stony enigma at first, but he’s a squishy teddy bear under the surface. His reputation paints him as heartless, unfeeling, and ruthless, but it only takes Ainsley becoming indebted to him for his facade to start crumbling. He’s the best kind of layered hero, and I love him. His backstory is so interesting, and I fell more in love with him with every chapter. As more information was revealed and more layers were peeled back, I became a complete sucker for Maverick Lexington. I absolutely love Ainsley and Maverick. They are such fun characters, full of depth and personality, and the chemistry is strong between them. Ainsley sees right through Maverick’s shields, and he is attracted to her for all the things that make her unique. Their banter and playful push-and-pull interactions had me so entertained, and the sexual tension of this slow-burn is INTENSE. Seriously. The flirty banter, playful power struggles, and steamy “almosts” are perfect at building up the explosive chemistry. This is a slow burn, but the initial spark is scorching from the get-go. Ugh. I LOVE AINSLEY AND MAVERICK. If you like a story where the quirky, passionate heroine tears down the alpha’s defenses and exposes the “water-drinking nerd” underneath, this is your book. If you like slow-burns with scorching sexual tension and seriously hot chemistry, this is your book. If you like laugh-out-loud material and an authentic cast of characters, this is your book. I thoroughly enjoyed IOU. This was my first Kristy Marie book, but it won’t be my last. 5 stars.ARC provided in exchange for an honest review.One-Click it here: https://amzn.to/3bRUMjI
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  • Bozena
    January 1, 1970
    Do you know what is a perfect romance? When you laugh and swoon so much that you feel sad when the book ends.And that's how all Kristy's books are. You're constantly laughing out loud and swoon about the sweet but very alpha men in her books. Don't let them know I said sweet 🤭 they will flip out and run for the next exit 🤣 You know, we're talking about this kind of men.I love this YA novel. I don't know what you're looking for in your romance, but this story has all the right feelings I love in Do you know what is a perfect romance? When you laugh and swoon so much that you feel sad when the book ends.And that's how all Kristy's books are. You're constantly laughing out loud and swoon about the sweet but very alpha men in her books. Don't let them know I said sweet 🤭 they will flip out and run for the next exit 🤣 You know, we're talking about this kind of men.I love this YA novel. I don't know what you're looking for in your romance, but this story has all the right feelings I love in my favorite romances. Heartbreak, hilarious and emotional unstable, but badass heroine (I love her! She is hilarious ❤) and a lot of drama and obstacles to read it in one go, because is so damn exciting. And of course litty-bitty erotic 😉 The love story is so unique like all Kristy's books. Just amazeballs 🤗. It's a light and sweet read for everyone. I've read all her books and not just this one and her humor and amazing characters are addictive. No, I'm not going to tell you what this story is about.If you love YA romances, then you will definitely love this book, trust me.And one more thing, if you haven't read Kristy's books, what are you waiting for? Her Commander in Briefs series is one of my all favorites ever.
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  • NiCoLeTa E. {Addicted To Books}
    January 1, 1970
    ***4,5 "You truly are my genie in a bottle!!! stars*** AVAILABLE NOW IOU: nounA signed document acknowledging a debt. What a lovely and entertaining story was that!!! I freakin' adore it!!!!Literally, i was cracking up with laughter from the first moment...I got attached to Ainsley and her crazy actions and to Maverick with his cards full of IOUs!!!!I really loved these two and the secondary characters that were surrounding them...I can't wait for more!!! Sebastian won't disappoint me, i ***4,5 "You truly are my genie in a bottle!!! stars*** AVAILABLE NOW IOU: nounA signed document acknowledging a debt. What a lovely and entertaining story was that!!! I freakin' adore it!!!!Literally, i was cracking up with laughter from the first moment...I got attached to Ainsley and her crazy actions and to Maverick with his cards full of IOUs!!!!I really loved these two and the secondary characters that were surrounding them...I can't wait for more!!! Sebastian won't disappoint me, i believe!!! Right, Kristy??? "Some people are meant to burn, and others are meant to rise from their ashes."*********************************************"This story really started with a shithead and his girlfriend..." Ainsley changed her whole life plan for her highschool sweetheart and how he repaid her???He cheated on her with her roomate!!!!She really didn't plan to put her place on fire, she was just aiming for his darn head!!!! Bahahaha...Ainsley surely didn't expect for her whole life to change in a matter of minutes...Now, she is homeless, with no boyfriend and friends but with a guardian angel by her side in the form of a firefighter....She just have to find a place to live and she has no other options than to turn out to the famous Maverick Lexington and to take one of his IOUs. "Rumor has it I'm clingy and naive with a heavy dose of crazy.But my mother taught me not to believe everything I hear." Maverick has his life in a neatly order....Just a few more months and he is out, but in order to succeed on his great plans, he needs to collect favors...He has built a name around campus for his deck of cards where he is scrambling the letters IOU in order to help people that are in great need...He surely doesn't need in his house a crazy firecracker that would turn his world upside down... "Life is a contract. Friendships. Marriages. Employment. It's all there in black and white. Once time has been served, or the contract hasn't been fulfilled to their standards, it's over.I will never not have a contract." Well, i loved these two very much!!!I loved Ainsley and her crazy ass was hilarious...I loved her obsession with sea lions and the way that she wasn't giving a damn whenever Maverick was handling outt IOUs every single time that he was feeling that she was cornering him!!!!I loved that she was fearless in her broody presence and that she was doing whatever the hell she wanted....I loved her for being her crazy self all the time. "I'm usually not that competitive of a person, but Maverick Lexington brings out the challenger in me.""My theory is the real Maverick Lexington is buried somewhere beneath all the lies and rumors but coaxing him out will take the right hand and one amazing bluff." I also loved Maverick fiercely!!!Yep, he though that he was in control, but i loved how Ainsley was wrecking down his solid walls...I loved his obsession with this damn deck of cards and his marker....I liked how he was dealing with Ainsley's crazy ass and that he had the illussion that his IOUs were meaning something to her...I really loved him for just being him. "Ainsley James realizes that I'm not as scary as the rumors make me out to be.Which. Is. A. Fucking. Problem.I need those rumors. I need fear. My life depends on them.""I want everything from Ainsley James. Every second of crazy. Every angry word. I want it all. Every inch she's willing to let me see." This couple was explosive in a hilarious way!!!These two couldn't be more opposite, but they were just perfect for each other.Their banters were hilarious and so satisfying...Literally, i enjoyed their crazy asses sooooo much!!!!I fully recomend this crazy book!!!! You will laugh your a$$es off!!!!This story was very original in a way!!!! IOU too many favors to count -consider my life yours. Do with me as you wish. ***I received an ARC for the echange of an honest review***
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  • Aundi-Musings of The Modern Belle
    January 1, 1970
    5 Showing Your Hand Crowns Kristy has done a thing; a brand-new NA Romance is coming your way. This book has everything: Feisty AF Heroines, Brooding Bad Boys, Off the Charts Chemistry that will set your Kindle on FIRE!!!!! This right here is what I love about NA Romances. You absolutely NEED this in your life. Those stormy eyes flash with an intensity Ive never seen from Maverick. At least when hes not been pissed. Maverick is absolutely amazing; this man tries so hard to be aloof and 5 Showing Your Hand Crowns Kristy has done a thing; a brand-new NA Romance is coming your way. This book has everything: Feisty AF Heroines, Brooding Bad Boys, Off the Charts Chemistry that will set your Kindle on FIRE!!!!! This right here is what I love about NA Romances. You absolutely NEED this in your life. Those stormy eyes flash with an intensity I’ve never seen from Maverick. At least when he’s not been pissed. Maverick is absolutely amazing; this man tries so hard to be aloof and unfeeling but deep down you can tell that he’s the exact opposite. Kristy has created him with so many layers, written with such precision divulging one layer at a time until you’re completely obsessed with him. I loved that you got to see the evolution of his character as the pages go on, giving you more and more pieces of him to love. I welcome the heat of her body and hold her tight, breaking all my fucking rules today. Ainsley is the BEST. This girl is quirky and fun but also super feisty which I love in my heroines. There are so many moments where she puts Maverick in his place in the best way and it makes you fall a little bit more in love with her every time. Her character is so much stronger than she gives herself credit for, she’s been through some crappy circumstances but she’s here standing and trying to figure out who she wants to be. I loved watching her and Maverick together you could feel the tension pouring from the pages building and building until it’s about to combust. These two are pure Kindle FIRE!!! “My heart can handle you, I promise.” Kristy has this wonderful way with words that draws you completely and utterly into every story that she creates holding you captive until the last page. She creates one of kind characters that give you all the feels and more, and Ainsley and Maverick are no different. I absolutely loved this book from start to finish it will have a smile on your face and leave a lightness on your heart… This is a definite MUST READ!!!! --BETA Read
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  • Candece
    January 1, 1970
    So I just finished and this book is everything! Its fun, serious, mysterious and just an all around great read. Kristy Marie has done it again with her fresh take and creative characters. Ainsley James is in trouble and needs help. Maverick is a deal makers and only makes bargains. Little do they both know they are in way over their heads with the deals to be made. Ive fallen in love with Mavericks brooding sex appeal! And Ainsleys take no shit, gives no shit persona. This book is perfect in So I just finished and this book is everything! It’s fun, serious, mysterious and just an all around great read. Kristy Marie has done it again with her fresh take and creative characters. Ainsley James is in trouble and needs help. Maverick is a deal makers and only makes bargains. Little do they both know they are in way over their heads with the deals to be made. I’ve fallen in love with Maverick’s brooding sex appeal! And Ainsley’s take no shit, gives no shit persona. This book is perfect in every way. The sub characters make this book a hands down win. It’s a must read and one of my favorites of the year!
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  • queen_of_the_books_18
    January 1, 1970
    Some people are meant to burn, and others are meant to rise from their ashes.To say that I was a little apprehensive when Kristy Marie announced a new book that wasnt a part of her Commander in Briefs series that I adore so much would be a lie because I didnt know what to expect. Kristy writes angst that bleeds off the pages and takes you into that world so that you are living and breathing it. BUTIOU was EVERYTHING that I never knew that I needed. It was so damn funny, parts had me choking on “Some people are meant to burn, and others are meant to rise from their ashes.”To say that I was a little apprehensive when Kristy Marie announced a new book that wasn’t a part of her Commander in Briefs series that I adore so much would be a lie because I didn’t know what to expect. Kristy writes angst that bleeds off the pages and takes you into that world so that you are living and breathing it. BUTIOU was EVERYTHING that I never knew that I needed. It was so damn funny, parts had me choking on my drink and absolutely dying at some hilarious one liners. Everything is a deal in my life.Maverick is a complicated guy, he’s mysterious and alpha and I love him with my whole heart. But when he meets Ainsley, boy oh boy it’s like two stars colliding and neither of them want to back down so there is a spectacular explosion! Ainsley is my girl. My spirit animal. She’s a hot mess and gives precisely zero fucks and I was here for it. I want her to be my new best friend. He said to get whatever I wanted at the store. What Iwanted was ice cream and dick with a side of mac and cheese.Kristy Marie slayed with IOU and proved to everyone that she can step out of her comfort zone and deliver a spectacularly funny book. She is definitely an author to look out for!
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  • SCBookAddict
    January 1, 1970
    A-freakin-mazing! I didn't want this book to end - AT ALL!IOU has the my favorite type of heroine.Ainsley is quirky and sort of the underdog in the beginning. Yet she doesn't back down and doesn't roll over when controversy knocks on her door. She loves hard which also sets her up to hurt just as hard. Maverick - sigh. He tries not to get himself involved, he really does but he wasn't expecting someone like Ainsley, bless his heart. He's the guy everyone talks about but not many know the real A-freakin-mazing! I didn't want this book to end - AT ALL!IOU has the my favorite type of heroine.Ainsley is quirky and sort of the underdog in the beginning. Yet she doesn't back down and doesn't roll over when controversy knocks on her door. She loves hard which also sets her up to hurt just as hard. Maverick - sigh. He tries not to get himself involved, he really does but he wasn't expecting someone like Ainsley, bless his heart. He's the guy everyone talks about but not many know the real Maverick. There were so many scenes that I loved. The pool scene, checking on Maverick while he was trying to sleep, and the macaroni and cheese incident were probably the most memorable to me. THEN there is a scene that as a Kristy Marie fan had me cheering and doing a little dance in my head. Kristy Marie has this writing style that invites the reader into the story and makes them feel as if they are a part of it. She always gives us characters that are relatable to the reader. When her story is over, I'm always sad because I want to stay in that world. I HIGHLY suggest reading this book! It's a fun, heartfelt, highly entertaining read that once started, I could not put down until I was finished.
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  • Nildene
    January 1, 1970
    Full review can be found on my blog now! [May 1 2020]So I binged this when I should be sleeping and there will be a full review put up here and on my blog In short I loved this book so much.Maverick is mine. Fight me on it. (So is basically every other main male character in anything Kristy writes. But not the men like Tucke, those assholes can go to hell ✌)Also I need the next book please. Aspen. Bennett. Sebastian. And we better be getting one for Rowan or I might start taking after my girl Full review can be found on my blog now! [May 1 2020]•So I binged this when I should be sleeping and there will be a full review put up here and on my blog In short I loved this book so much.Maverick is mine. Fight me on it. (So is basically every other main male character in anything Kristy writes. But not the men like Tucke, those assholes can go to hell ✌️)Also I need the next book please. Aspen. Bennett. Sebastian. And we better be getting one for Rowan or I might start taking after my girl Ainsley and set things on fire in protest.5/5[April 26 2020]
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  • Jaime Ryter
    January 1, 1970
    So if you know me, you know that my favorite couple that Kristy Marie has created has been and always will be Theo and Anniston. Well... I think Kristy Marie set out to make me eat my words when she created the swoon-worthy masterpiece that is Maverick and Ainsley. IOU had all of the trademark sarcasm, sass, witty banter, and chemistry that we have come to expect from Kristy Marie, but there are no words that could quantify how much more this book is. She has stepped up her writing game (which So if you know me, you know that my favorite couple that Kristy Marie has created has been and always will be Theo and Anniston. Well... I think Kristy Marie set out to make me eat my words when she created the swoon-worthy masterpiece that is Maverick and Ainsley. IOU had all of the trademark sarcasm, sass, witty banter, and chemistry that we have come to expect from Kristy Marie, but there are no words that could quantify how much more this book is. She has stepped up her writing game (which was almost perfect to begin with) and, somehow, continues to get better with each book she has written.This is the perfect book that came along at the perfect time in our lives. I can not recommend it enough! IOU is a Royal Flush IN SPADES!!! A BIG 5 (are you sure I can’t give it 10?) stars for IOU! ⭐️⭐️⭐️⭐️⭐️
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  • LianaReads blog
    January 1, 1970
    I own you one Kristy Marie!I thought my favourite couple was Cade and Beck but Im also a very moody person and every time the author writes something new,Im falling in love again with the new couple. What I loved most in this story is the real-life health issues and raw feelings that many times we take for granted day by day and also the indifference to whats happening around us has reached a high limit but somehow, when someone you least expect, gets in your life at the right time and moment, I own you one Kristy Marie!I thought my favourite couple was Cade and Beck but I’m also a very moody person and every time the author writes something new,I’m falling in love again with the new couple. What I loved most in this story is the real-life health issues and raw feelings that many times we take for granted day by day and also the indifference to what’s happening around us has reached a high limit but somehow, when someone you least expect, gets in your life at the right time and moment, everything can change. Maverick and Ainsley love story is not what you expect but it’s a love that I’ll definitely remember.
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  • Kandace Denys (bookish_kayy)
    January 1, 1970
    I AM IN LOVE! Ok, I know I say this a lot, but its true, and I dont care who knows it.Ainsley is a hot mess, with a lot of bad luck, and a little bit of the good sprinkled in.Maverick is a legend, terrifying in his own ways. When the two come together, a lot of things happen.Lessons are learned, growth definitely happens here, and so much love is shared amongst all of the characters in this book. I AM IN LOVE! Ok, I know I say this a lot, but it’s true, and I don’t care who knows it.Ainsley is a hot mess, with a lot of bad luck, and a little bit of the good sprinkled in.Maverick is a legend, terrifying in his own ways. When the two come together, a lot of things happen.Lessons are learned, growth definitely happens here, and so much love is shared amongst all of the characters in this book.
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  • Vanessa (nessreads)
    January 1, 1970
    Rumor has it this book brings the steam and will have you laughing your a** off.This book was exactly what I needed right now. From the very first page I was hooked. Full of banter, laughter, sweetness and sexiness. I. Loved. This. Book.Ainsley James cracked me up. I adored her. Shes quirky and a little crazy, the good kind of crazy though, and a whole lotta fun. Shes just been screwed over by her scumbag of a cheating boyfriend and her roommate. Now with no place to live, her last hope is Rumor has it this book brings the steam and will have you laughing your a** off.This book was exactly what I needed right now. From the very first page I was hooked. Full of banter, laughter, sweetness and sexiness. I. Loved. This. Book.Ainsley James cracked me up. I adored her. She’s quirky and a little crazy, the good kind of crazy though, and a whole lotta fun. She’s just been screwed over by her scumbag of a cheating boyfriend and her roommate. Now with no place to live, her last hope is getting help from the guy that makes things happen.Maverick Lexington is a guy with many layers. He doesn’t show people the real him and prefers to stay a mystery. He’s the one you seek out on campus when you need something. He’ll make it happen, but there’s always a price to be paid. And when the favor is owed, he’ll call it in. He knows exactly how to get what he wants, and he’s very clever how he goes about it. I couldn’t help but be hypnotized by Maverick Lexington.Ainsley and Maverick are such amazing characters. They’re full of so much personality and depth. Their chemistry was off the charts and sizzling. Their banter had me so entertained and their sexual tension had me on the edge of my seat anticipating when they’d finally give in. The intensity in the slow burn was exquisite. I just love Ainsley and Maverick.IOU was a breath of fresh air. It’s a fun, sexy, flirty slow burn romance. I loved this book and this story. I loved and adored Ainsley and Maverick to pieces. And the secondary characters were just as amazing. I couldn’t get enough and just need more more more.*I voluntarily read and reviewed an ARC of this book*
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  • Amanda
    January 1, 1970
    [I received a digital arc for an honest review]IOU by Kristy Marie is a New Adult romance that is guaranteed to entertain.After finding her boyfriend cheating with her roommate she accidentally starts a fire that leaves her kicked out with no place to live. Her only friend in the situation is the firefighters who showed up at her worst moment. Desperation leads her to ask legendary Maverick for a favor she'll just owe him a favor of his choice in return. Rumors label him as untouchable and [I received a digital arc for an honest review]IOU by Kristy Marie is a New Adult romance that is guaranteed to entertain.After finding her boyfriend cheating with her roommate she accidentally starts a fire that leaves her kicked out with no place to live. Her only friend in the situation is the firefighters who showed up at her worst moment. Desperation leads her to ask legendary Maverick for a favor she'll just owe him a favor of his choice in return. Rumors label him as untouchable and someone not to mess with. Ainsley sees there's a different person under the surface, and she doesn't mind raking up his IOU's but hopes she's not making another mistake when it comes to guys."Oooh. I kind of like Mr. Lexington on his knees - feels all queen like."IOU is a quick read with lots of laughs and a good amount of steam. Ainsley is crazy in the best way possible and that's probably because I see a lot of myself in her lol it's always refreshing to see someone embrace the crazy. Her reactions can sky rocket from one end of the emotional spectrum to the other and it kept the story interesting. Maverick took me a little to warm up to but towards the end everything all his actions showed how much he had grown to care for Ainsley. They were sweet and fun together. The ending and epilogue were completely satisfying and perfect for the characters."I want everything from Ainsley James. Every second of crazy. Every angry word."IOU is nother great romance by Kristy Marie. She is definitely an author whose releases I always look forward to.
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  • Bree Rock N Read
    January 1, 1970
    I am obsessed with this new world and cast of characters Kristy Marie is bringing to life.IOU was such an amazing read. Kristy Marie continues to deliver on everything that makes me love her as an author: snark, sarcasm, humor, heat, characters you love, and characters you love to hate and HEAs that make you swoon.Maverick and Ainsley are by far one of the most entertaining couples I have ever read from Kristy Marie.Ainsley is crazy, or so the rumors say. More like quirky and a decent amount of I am obsessed with this new world and cast of characters Kristy Marie is bringing to life.IOU was such an amazing read. Kristy Marie continues to deliver on everything that makes me love her as an author: snark, sarcasm, humor, heat, characters you love, and characters you love to hate and HEAs that make you swoon.Maverick and Ainsley are by far one of the most entertaining couples I have ever read from Kristy Marie.Ainsley is crazy, or so the rumors say. More like quirky and a decent amount of fire within her. No matter her fear, she's taking this life on head first.Maverick is a mystery, or so the rumors say. The mystery behind the IOUs is an interesting storyline to follow. What he is really... well, that's something you have to read for yourself.The book has it all: a lifetime worth of IOUs, games, chicks in a pool, win in a box, fires started via candle, mac'n'cheese, sea lions, cuddle calls and is the perfect starting point for this new series. You definitely want to one-click this book!And as always from my reviews, my top quotes of the book:"And after all the favors I've doled out, I don't trust anyone. Everything can be bought.""I'm the shark, and she's the unsuspecting sea lion floating lazily in the ocean.""I didn't just please her, I worshipped her body like it was the last item on my bucket list."
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  • Lager & Lefse Book Blog
    January 1, 1970
    I fell hard for Kristy Marie, her writing and the characters in her Commandeer in Briefs series. I truly did not think I could love main characters more than Theo/Anniston, or the bromance of Theo/Cade. She proved me wrong. I am in serious love with Maverick and Ainsley and their band of side characters.Ainsley is the girl that you want to be friends with. I think we all could find some aspect of her character that would resonate within ourselves. She is fun, quirky, a button pusher I fell hard for Kristy Marie, her writing and the characters in her Commandeer in Briefs series. I truly did not think I could love main characters more than Theo/Anniston, or the bromance of Theo/Cade. She proved me wrong. I am in serious love with Maverick and Ainsley and their band of side characters.Ainsley is the girl that you want to be friends with. I think we all could find some aspect of her character that would resonate within ourselves. She is fun, quirky, a ‘button pusher’ unintentionally, plucky and strong willed. Despite all these positive characteristics, she is a hot mess. This will lead to many ‘adventures’ with Ainsley and you will be laughing so hard at her antics your ribs will hurt in the morning.Maverick. It is hard to say his name without wanting to sigh. Maverick is moody, broody, his name alone makes people quiver (and not in a good way sometimes😏). Despite his rough, stony and cold-hearted outward appearance, he is something else entirely underneath and it only takes one tenacious girl to start poking holes in his façade.Now, take their individual characteristics and combine them. What do you have? Maverick and Ainsley’s relationship, which will never be boring, always hilarious and my new favorite couple of Kristy Matie’s. IOU is written so entirely well that it will have you feeling the feels. Personally, I cannot help but not looking at the cover and breaking out in a smile. It is fun, refreshing, hilarious, powerful and enduring. I loved every little thing about IOU and am so happy to see Kristy Marie spread her wings and try something new. Well done, Kristy, well done!! PS…One side character I must mention is Lawrence!! He is downright lovable!!
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  • Tamara Harrington
    January 1, 1970
    So I absolutely adored this book! It's Ms Marie's first standalone so you don't have to delve into he others but it certainly wouldn't hurt.Ainsley is probably one of my favourite heroines ever!!!! It's not often that I actually like the heroines in a book but this woman had me captivated from the first page. Ainsley is just comedic genius and had me laughing non stop with her antics. Ainsley's inner dialogues was probably one of my favourite parts of this book just because she was brilliant So I absolutely adored this book! It's Ms Marie's first standalone so you don't have to delve into he others but it certainly wouldn't hurt.Ainsley is probably one of my favourite heroines ever!!!! It's not often that I actually like the heroines in a book but this woman had me captivated from the first page. Ainsley is just comedic genius and had me laughing non stop with her antics. Ainsley's inner dialogues was probably one of my favourite parts of this book just because she was brilliant within herself. Maverick was just great with his brooding and intensity and I loved that about him. He was funny when he wasn't meaning to be which was part of his charm too I think. Kristy has a way with her writing that just sucks you in and this story is no exception, you are pulled in feel everything that you are meant to with this book and I loved that.If you like brooding boys, epic banter and a heroine that speaks to you then this book is for you! Can't wait to see who's next up.This is my honest and unbiased review.
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  • Shaley- Pretty Little Book Blog
    January 1, 1970
    Ainsley James is mine and theres no way Ill ever let her go.Once again, Kristy has written another amazing story! Her writing is so unique and it is so difficult to put down one of her books once you start.The banter was hilarious. The characters were epic. The chemistry was off the charts. IOU is a definite must read.Maverick freaking Lexington. *Fanning myself* Yes please. That man and his growls nature but his thoughtful, kind side was to die for. Hes everything you want and need in a man. “Ainsley James is mine and there’s no way I’ll ever let her go.”Once again, Kristy has written another amazing story! Her writing is so unique and it is so difficult to put down one of her books once you start.The banter was hilarious. The characters were epic. The chemistry was off the charts. IOU is a definite must read.Maverick freaking Lexington. *Fanning myself* Yes please. That man and his growls nature but his thoughtful, kind side was to die for. He’s everything you want and need in a man.Maverick and Ainsleys back and forth was so so funny. Some of the stuff I read had me cackling out loud. But then again, Kristy always give us that. She gives us characters that are so relatable and so so unique.Ainsley is a sassy, strong, independent woman who finally grew into her own shoes. I love how she never cared what anybody thought about her. She’s such a light, spunky character and I loved her.Definitely read this book! It’s funny, it’s sexy, it’s a great book that still has me smiling!“Rumor has it the price of my company is a cold, lifeless soul.”
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  • Natalie
    January 1, 1970
    I received an advanced reader copy of this book in exchange for an honest review via the author.This is the first book in Kristy Marie's new series 21 Rumours and I'm already gasping to read the next book asap (even though it's not written yet ). IOU is another comical, exciting, heartwarming, heartmelting and steamy novel all in equal proportions and I adored Ainsley and Maverick (he can give me an IOU or two any time!). Maverick is a tough Mafioso character type whos actually a big teddy bear I received an advanced reader copy of this book in exchange for an honest review via the author.This is the first book in Kristy Marie's new series 21 Rumours and I'm already gasping to read the next book asap (even though it's not written yet ). IOU is another comical, exciting, heartwarming, heartmelting and steamy novel all in equal proportions and I adored Ainsley and Maverick (he can give me an IOU or two any time!). Maverick is a tough Mafioso character type whos actually a big teddy bear (or sea lion as Ainsley would prefer) inside but has a rep to and image to keep hold of for a reason Ainsley finds out later on in the book. I was so happy at the end of the book but i wont say why as i dont want to spoil it for anyone! I cant wait to read more about Cooper and Sebastian in the next novels.
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  • Alley Ciz
    January 1, 1970
    There was not one thing I didnt love about this book. I devoured it, staying up until the wee wee hours of the morning to finish it after I got my own words in for the day. I am officially a Kristy Marie addict. There was not one thing I didn’t love about this book. I devoured it, staying up until the wee wee hours of the morning to finish it after I got my own words in for the day. I am officially a Kristy Marie addict.
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  • NMmomof4
    January 1, 1970
    3 StarsOverall Opinion: I hate being in the minority! I was seriously expecting to have to hide out in the living room to not wake my husband up because Id be laughing out loud with this one...but I dont think that happened once. Not that it wasnt amusing! I just wasnt amused enough to literally laugh out loud. Im not sure if it is my sense of humor or what, but I didnt feel the same as my GR friends about this being hilarious. I felt like it was a cute story but lacked the depth to make it 3 StarsOverall Opinion: I hate being in the minority! I was seriously expecting to have to hide out in the living room to not wake my husband up because I’d be laughing out loud with this one...but I don’t think that happened once. Not that it wasn’t amusing! I just wasn’t amused enough to literally laugh out loud. I’m not sure if it is my sense of humor or what, but I didn’t feel the same as my GR friends about this being hilarious. I felt like it was a cute story but lacked the depth to make it great. I think the author has potential though and she might have some great books in the future!Brief Summary of the Storyline: This is Ainsley and Maverick’s story. Ainsley finds her long term boyfriend cheating on her with her roommate and reacts poorly so that she is now homeless too. She has heard of Maverick and his ability to do favors for people in exchange for an IOU and Ainsley is desperate so she seeks him out. Maverick likes his anonymity and doesn’t want this crazy girl to live with him, but he made her a deal and he never breaks a deal. The more time they spend together, the more they like, and they end up falling in love. There are some crazy scenes, a few sexy times, and some serious moments...and they get a HEA ending.Point Of View (POV): This alternated between Ainsley and Maverick’s POV.Overall Pace of Story: Good. I never skimmed and thought it felt well (other than the abrupt ending)Instalove: No, they take a while to develop stronger feelingsH (Hero) rating: 3 stars. Maverick. I felt like he was meant to be mysterious and have all of these deep issues going on, but they were only lightly touched — so I don’t feel like we got very deep into his character.h (heroine) rating: 3 stars. Ainsley. She was crazy in a fun way, but I don’t think we got deep into her character either.Sadness level: Low, no tissues neededPush/Pull: Yes (view spoiler)[ The H pushes away some but I’d say he’s also the pursuer of the relationship. (hide spoiler)]Heat level: Good. They have some good tension, chemistry, and scenes -- but not so much it takes away from the story.Descriptive sex: YesOW (Other Woman)/OM (Other Man) drama: Yes (view spoiler)[ The h’s ex and ex-roommate cause some drama for the h (hide spoiler)]Sex scene with OW or OM: NoCheating: Not between mcs (view spoiler)[The h was cheated on by her ex with her roommate (hide spoiler)]Separation: NoPossible Triggers: Yes (view spoiler)[The h was cheated on by her long term boyfriend (on page), loss of loved one (off page), H’s grandfather had a stroke (off page), and the H has heart problems (on page) (hide spoiler)]Closure: This had what felt like abrupt closure and what I would probably classify as a HEA. I felt as though the ending was to please those of us that need that HEA but didn’t necessarily feel like it fit...if that makes sense.Safety: This one should be Safe for most safety gang readers(view spoiler)[- Does Not have cheating between mcs- Does Not have a descriptive sex scene with OW/OM- Does have the H pushing the h away- Does Not have a separation between the h and H- Does Not have abuse- Does have a HEA ending (see above) (hide spoiler)]
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  • Aaly
    January 1, 1970
    What a refreshing and interesting storyline!I adore Kristy Marie since Ive read Drifter and she is one of my favorite authors. This is not a secret. Anyway I digress.Ainsley and Maverick made me smile so much.The guy who was feared by everyone, ruling all around in the campus, managing his life and planning any move. What Maverick didnt expect was Ainsley, who could see right through him even with his poker face.I appreciated how a chain of events brought these two together. Ainsley was the What a refreshing and interesting storyline!I adore Kristy Marie since I’ve read Drifter and she is one of my favorite authors. This is not a secret. Anyway I digress.Ainsley and Maverick made me smile so much.The guy who was feared by everyone, ruling all around in the campus, managing his life and planning any move. What Maverick didn’t expect was Ainsley, who could see right through him even with his poker face.I appreciated how a chain of events brought these two together. Ainsley was the breath of fresh air Maverick wouldn’t suspect at all. Maybe he needed a little crazy in his life, I mean Ainsley’s crazy. I know I’m rambling but I smiled so hard it hurts.The grumpy and menacing look who had his cards close to his heart and his enemies closer would see his world turned upside down with Ainsley, her love for sea lions, her sensibility, sweet but badass at the same time.What I loved the most about Kristy Marie’s stories that she wrote about heartfelt and passionate characters. Always with some craziness and wildness in the air. As you might guess, Maverick's cold heart would definitely melt, due to that woman who crushed every wall, by interfering in his life like no other.She wasn’t afraid and kept him on his toes. He was giving a run for her money. Their interactions were a mix of sarcasm and innuendos, with that touch of sweetness sometimes that made me swoon so many times I lost count.I adored watching them falling in love, messing more with all the rumors around Maverick, and somehow seeing his cover blowing.It was such an amazing read, fun, flirty, filled with a strong hint of slow-burn. Beautiful and hilarious. All the things in between. Kristy Marie has a way with words, conveying emotions in a wonderful way. A top favorite for sure!
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  • All Booked Out
    January 1, 1970
    ⭐⭐⭐⭐.5Ah my god! This book is just what I needed. IOU is entertaining, amusing and deliciously sexy. Add a bold and sassy heroine and a broody hero and you get a hilarious, easy, feel good romance with low drama and plenty of laughs.Ainsley has just found her boyfriend, now ex, has been cheating on her with her roommate. With no friends or family close by she has nowhere else to live. Thats ok though because there is the mysterious and feared bad boy Maverick Lexington who can rent her a room ⭐️⭐️⭐️⭐️.5Ah my god! This book is just what I needed. IOU is entertaining, amusing and deliciously sexy. Add a bold and sassy heroine and a broody hero and you get a hilarious, easy, feel good romance with low drama and plenty of laughs.Ainsley has just found her boyfriend, now ex, has been cheating on her with her roommate. With no friends or family close by she has nowhere else to live. That’s ok though because there is the mysterious and feared bad boy Maverick Lexington who can rent her a room and all she has to do is owe him a favor.Ha, Ainsley is a crack up. She is a little over the top, has a bit of an obsession with sea lions and aquarium reality shows but she is genuine, strong and independent. She had lost her identity along the way, but she regains her confidence and sets her focus back onto her own wants and dreams. I am a sucker for a brooding bad boy and Maverick is certainly that. He is a bit of a recluse, highly intelligent and super territorial. Another thing that had me positively swooning was the relationship he shared with his Pops and younger brother Cooper. They had the best family dynamic and I loved their banter and the obvious love they had for each other.Maverick has a shield up to stop people from seeing the real him but Ainsley slips through the cracks. I loved the two together, their chemistry and banter were on fire! You couldn’t help but full in love with them both. Kristy Marie is definitely a one click author for me, so I am beyond excited to read Aspen and Jameson’s story next!ARC kindly provided in exchange for an honest review.
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