What Are the Chances? (Phil-U, Book 2), by Madi Leigh | Free Audiobook
18 June 2026
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Audiobook details
Best friends are not supposed to look at each other like that
Ryker Richardson has one season left before the NFL draft decides the rest of his life, and the only person who has ever mattered more to him than the game is Ruby Wilson, his best friend since before either of them can remember. He has never let himself think about her any other way, mostly because losing her as a friend would cost him more than losing football ever could.
Ruby's plans fall apart the night she finds out the boyfriend she built a future around was never who she thought he was. In the wreckage of that breakup, a photo she never meant anyone to see ends up somewhere it should not, and the person who finds it is the one man who has spent years pretending he does not notice her at all. What happens next surprises them both more than either one wants to admit.
Ryker tells himself this is just two friends helping each other through something complicated. Ruby tells herself the same thing, right up until neither version of the story holds up anymore. The real risk is not getting caught. It is finding out whether what they have is worth more than the friendship they have spent their whole lives protecting.
I went into book three expecting the bet trope to make a comeback in some form, since that is where this series started. Instead, Madi Leigh swaps schemes for something more grounded: two best friends, a complicated breakup, and one photo that changes everything between them.
Ryker Richardson reads as the most emotionally available lead in the series so far, which is a deliberate choice given how much of the conflict in the first two books came from withheld information. He knows exactly how he feels about Ruby long before she does, and watching him manage that while staying loyal to their friendship gives the early chapters real tension without any contrived secrecy.
Ruby's arc takes longer to get going, and that is by design. She is recovering from a breakup that exposed how little her ex actually saw her, and Leigh lets that wound breathe before pushing her toward anything new. The photo that kicks off the plot could have been played for cheap drama, but it ends up functioning more as a catalyst than a gimmick.
This entry pulls further away from the hockey focused world of the first two books, leaning into football and Ryker's draft pressure instead. Levi and Grace make a brief appearance, which fans of the series will appreciate, though the story mostly stands on its own as a fresh pairing rather than leaning on series continuity.
Best friends to lovers is a tricky trope to land without feeling repetitive, and Leigh avoids the trap by giving Ryker and Ruby a history specific enough to feel real. The spice is there for readers who came to the series for it, but the emotional stakes carry just as much weight this time.
Vincent Skye and Sofia Lette close out the series exactly the way they opened it, and their familiarity with each other's rhythms shows in how naturally Ryker and Ruby's banter lands. Skye gives Ryker a steadier, more controlled delivery than Levi or Will before him, while Lette brings Ruby's hurt and her hesitance to the surface without overplaying either. At just over 12 hours, this is the longest book in the trilogy, and the pacing earns every minute of it.
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What Are the Risks by Madi Leigh follows Ryker Richardson, a college football player preparing for the NFL draft, and Ruby Wilson, his lifelong best friend, after a private photo and a painful breakup push their friendship somewhere neither of them expected. Closing out the Phil-U trilogy, this entry trades the series' earlier bets and second chances for a slower, friends to lovers story.
The free trial, cancellable at any time, gives you full access to all 12 hours and 23 minutes, narrated once again by Vincent Skye and Sofia Lette, closing out the trilogy together. Skye gives Ryker a steadier, more guarded delivery than the series' earlier leads, while Lette captures Ruby's hesitance as she works through what she actually wants.
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