[Verse 1: Liam Payne]

I don't wanna be broke when I D-I-E

Wanna be livin' it up in VIP

Tryna get in the club, they wanna see ID

Want me to wear nice shoes and a T-I-E

[Pre-Chorus: Liam Payne]

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

[Chorus: Liam Payne]

So if you wanna stack it up, man, you gotta work for it

I-I-I-I-I-I

Ain't nobody gonna be doin' 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

[Verse 2: Liam Payne]

I wanna flex hard like D-O-E

But right now my car need the MOT

And I can't give the valet no T-I-P

But like him, I got dreams and they're B-I-G

[Pre-Chorus: Liam Payne]

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

[Chorus: Liam Payne]

So if you wanna stack it up, man, you gotta work for it

I-I-I-I-I-I

Ain't nobody gonna be doin' 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

[Verse 3: 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 been lost her

The loudest ones was the brokest, I was a shit-talker

The loudest ones was the brokest and I was strugglin' (Uh)

Girls called me friend, now they on me, that money comin' in (That money comin' in)

Saint Laurent fiend, I put it in Louis luggages (Yeah, yeah)

Took her to Celine, bought her a couple luggages

Wasn't always sweet, Capri Suns for fifty cents (Yeah)

Now I just hate to reminisce (To reminisce)

[Chorus: Liam Payne]

So if you wanna stack it up, man, you gotta work for it

I-I-I-I-I-I

Ain't nobody gonna be doin' 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