Title: Margo’s Got Money Troubles
Author: Rufi Thorpe
Narrator: Elle Fanning
Publisher: William Morrow
Publication date: June 11, 2024
Print length: 304 pages
Audio length: 10 hours 21 minutes
Genre: Contemporary fiction
Source: Library
Rating:

A bold, laugh-out-loud funny, and heartwarming story about one young woman’s attempt to navigate adulthood, new motherhood, and her meager bank account in our increasingly online world—from the PEN/Faulkner finalist and critically acclaimed author of The Knockout Queen.

As the child of a Hooters waitress and an ex-pro wrestler, Margo Millet’s always known she’d have to make it on her own. So she enrolls at her local junior college, even though she can’t imagine how she’ll ever make a living. She’s still figuring things out and never planned to have an affair with her English professor—and while the affair is brief, it isn’t brief enough to keep her from getting pregnant. Despite everyone’s advice, she decides to keep the baby, mostly out of naiveté and a yearning for something bigger.

Now, at twenty, Margo is alone with an infant, unemployed, and on the verge of eviction. She needs a cash infusion—fast. When her estranged father, Jinx, shows up on her doorstep and asks to move in with her, she agrees in exchange for help with childcare. Then Margo begins to form a plan: she’ll start an OnlyFans as an experiment, and soon finds herself adapting some of Jinx’s advice from the world of wrestling. Like how to craft a compelling character and make your audience fall in love with you. Before she knows it, she’s turned it into a runaway success. Could this be the answer to all of Margo’s problems, or does internet fame come with too high a price?

Blisteringly funny and filled with sharp insight, Margo’s Got Money Troubles is a tender tale starring an endearing young heroine who’s struggling to wrest money and power from a world that has little interest in giving it to her. It’s a playful and honest examination of the art of storytelling and controlling your own narrative, and an empowering portrait of coming into your own, both online and off.

When Margo’s Got Money Troubles came out in 2024, I was sure it wasn’t a book for me, despite the buzz I kept seeing. A book about someone starting an OnlyFans account? Nope, no thanks.

But… when the AppleTV adaptation (starring Elle Fanning, who narrates this audiobook) was released a few weeks ago, the reviews were unvaryingly positive — and once I started paying attention, I realized there might be much more to this story than I thought.

So, I borrowed the audiobook from the library, got started… and was immediately captivating by Margo’s narrative voice and the overall excellent storytelling.

Margo’s Got Money Troubles is about a 19-year-old trying to figure things out, without much in the way of parental or other support. A college freshman with a flare for writing, Margo supports herself through waitressing and lives with three roommates in order to make rent. When her (married) English professor takes an interest, Margo falls into a brief affair with him — and when she discovers that she’s pregnant, he tells her to get an abortion and then basically cuts her out of his life completely.

Despite not being at all prepared to become a mother, Margo can’t bring herself to end the pregnancy. Her mother Shyanne is no help whatsoever, being an entirely self-centered woman who sees Margo as an accessory rather than a person separate from herself. Margo’s father Jinx is a former pro wrestler and manager, hugely famous in the wrestling world, who’s always been a guest in Margo’s life, showing up here and there but clearly focused on his “real” family.

Once the baby is born, Margo’s money troubles really hit. Her roommates are furious about the noise a baby makes — they have midterms to study for! She’s fired after leaving a shift due to a baby emergency, and really can’t afford childcare without spending all the money meant for rent. When Jinx shows up needing a place to stay, it’s perfect timing, since two of the roommates have left in a huff. Jinx’s splitting the rent isn’t a long-term solution, but Margo appreciates his help and companionship. One night, watching a wrestling match together, he casually mentions that a particular woman wrestler has struck it rich via OnlyFans… and Margo has to know more.

Let me pause here to say that while the plot may sound somewhat tawdry, it’s anything but — and the key is Margo herself. Funny and smart, Margo tells her story with humor and with a narrative flare.

The sadness from the morning didn’t exactly go away; it dried on me and slowly crumbled, leaving me covered in little flakes, like if you eat a glazed donut in a black shirt.

She alternates between first person and third person throughout the book, which initially feels like an odd choice, but gives Margo room to tell both a straightforward account of her life and a story with a more fanciful feel.

As Margo describes her investigation of OnlyFans and how she might use it as a source of income, it’s clear that her creative spark, once nurtured through her writing classes, has found a new source of inspiration. Margo is curious about what makes someone stand out, and what makes subscribers keep coming back. It’s Jinx who’s able to supply some critical advice. Drawing from his wresting career, they discuss “faces” versus “heels” (hero characters and villain characters), how to draw attention, and what keeps a crowd interested and engaged. Margo isn’t interested in just posting nudes for a few dollars; she wants to know how to succeed online, and engages in some incredibly creative research and outreach to figure it all out.

Margo never would have guessed she loved money this much. In fact, in the movies and TV shows and books she’d read, you could tell if a character was the bad guy by how much he cared about money. And since she wanted to be good, she’d always been careful not to care too much about money. Now she wondered if all those Disney movies were merely propaganda to keep poor people content with their lot.

Meanwhile, her struggles with her mother, and the return of her baby’s father (with a potential custody battle) create tension in her personal life, especially when she starts to achieve the type of viral success she’d hoped for. And I must point out: Margo is a terrific mother. She may struggle financially, have some odd people in her life, and does something very unconventional as her job — but she loves little Bodhi and is a gem when it comes to caring for him and providing him with safety and showers of affection.

Elle Fanning’s narration is fabulous. Her voice for Margo is full of the character’s spirit; the humor and intelligence come through even when Margo is going through some of her worst challenges. I didn’t want to stop listening!

Margo’s Got Money Troubles is highly engaging and entertaining, and it also has a lot to say about reputation, finding one’s own way, and non-conventional families. Margo’s solution to her money troubles certainly isn’t for everyone — but it’s incredibly fun and even inspiring to see her figure out a way to be creative and support her baby through sheer willpower and a kooky sort of talent.

Highly recommended (and do check out the audiobook version if you can).

I’m hoping to start the TV adaptation this week — can’t wait to see how it compares!

Purchase links: Amazon – Audible – Bookshop.org – Libro.fm
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