Luccardi was born to Patricia (née Bowden), a hair and makeup stylist, and Giuseppe Luccardi, a fashion photographer. Luccardi's childhood was spent in Brooklyn, but she went to high school in Chatham, New York. Luccardi revealed she was bullied throughout school.
After high school, Luccardi moved to Manhattan. Luccardi worked for Webster Hall, formerly a nightclub, and its Quarterly Art Soiree, for four years until March 2013.
In Girls, she "played a foulmouthed little Staten Island mall rat".

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