[Liam Payne]
I don't wanna be broke when I d-i-e
Wanna be livin' it up in VIP
Trying to get in the club, they want to see ID
Want me to wear nice shoes and a t-i-e

I've been workin' and gettin' by
But that ain't enough to satisfy
'Cause I got dreams for you and I
So I got money on my mind

So if you wanna stack it up, man, you gotta work for it
I, I, I, I, I, I
Ain't nobody's gonna be doing it for ya
I, I, I, I, I
I got dreams and I got time
But that ain't enough to get me by
So I stack it up, man, I gotta work for it
Yeah, I got money on my mind
I-I, I-I
I got money on my mind
I-I, I-I

I wanna flex hard like D-O-E
But right now my car need the M-O-T
And I can't give the valet a T-I-P
But like him, I got dreams and they're B-I-G

Tried to be a better guy
But that weren't enough to satisfy
I got dreams for you and I
I got money on my mind

So if you wanna stack it up, man, you gotta work for it
I, I, I, I, I, I
Ain't nobody's gonna be doing it for ya
I, I, I, I, I
I got dreams and I got time
But that ain't enough to get me by
So I stack it up, man, I gotta work for it
Yeah, I got money on my mind
I-I, I-I
I got money on my mind
I-I, I-I

[A Boogie Wit da Hoodie]
Yeah, I know shit don't come free, you gotta work for it (gotta work for it)
Lamborghini Urus, bought it when I first saw it (skrrt, when I first saw it)
She caught me creepin', I had to buy her a purse for it (purse for it)
I think if I ain't have money, I'd be the worst for her
And if I ain't have money, I woulda be lost or
The loudest ones was the brokest, I was a shit-talker
The loudest ones was the brokest and now we strugglin'
Girls called me friend, now they owe me, that money comin' in (that money comin' in)
Saint Laurent fiend, I put it in Louis luggages
Took her to Celine, bought her a couple luggages
Wasn't always sweet, Capri Suns for fifty cents
Now I just hate to reminisce (to reminisce)

[Liam Payne]
So if you wanna stack it up, man, you gotta work for it
I, I, I, I, I, I
Ain't nobody's gonna be doing it for ya
I, I, I, I, I
I got dreams and I got time
But that ain't enough to get me by
So I stack it up, man, I gotta work for it
Yeah, I got money on my mind
I-I, I-I
I got money on my mind
I-I, I-I
I got money on my mind