[Intro – muted banjo, soft programmed beat, distant electric guitar swell] [instrumental beat with main melody] [Old analog tape recorder] [Verse 1 – deep baritone male voice, close, confessional half sung vocal] [baritone male voice] Cheap coffee on the counter Bills stacked by the sink I’m staring at the numbers Like they might move if I blink [deep baritone male voice] I bought the box wine for your birthday And poured it like it came from France You wore that thrift-store jacket backwards Just to make the kids laugh and dance [Pre-Chorus – bass pulse enters, vocal tightens] And I smile when they ask Like I’m not scared of the math [Chorus – female, simple, repeatable, big melody] [female voice] We got money problems Money problems Counting up the little things Trying not to let ’em win We got money problems Money problems But you still take my hand Like we’re richer than we’ve ever been [duet] Money, money Money problems Money, money Money problems Money, money Money problems No problem [Verse 2 – female, drums pick up, more motion] [Female voice] I fixed the zipper on your old coat With a safety pin and a prayer You said, “It’s punk rock, baby” I said, “It’s broke,” but you didn’t care There’s a grocery list on a napkin With three things crossed out in blue But you kissed me in the parking lot Like we had nothing left to prove [Pre-Chorus – harmonies lift slightly] And I smile when they ask Like I’m not scared of the math [Chorus – baritone male voice and dynamic female voice, fuller drums, layered vocal hook] [duet] We got money problems Money problems Counting up the little things Trying not to let ’em win We got money problems Money problems But you still take my hand Like we’re richer than we’ve ever been Money, money Money problems Money, money Money problems Money, money Money problems No problem [Bridge – baritone male voice, stripped down, aching but hopeful] I used to think that making it Would look like numbers lining up Now I think it’s you at midnight Saying, “Hey, we still have us” Maybe wealth is just a kitchen light Still glowing when the day caves in Maybe broke is not the same as broken Maybe love is how we begin again [Final Chorus – baritone male voice and dynamic female voice, full band, bright release] [duet] We got money problems Money problems Counting up the little things Trying not to let ’em win We got money problems Money problems But you still take my hand Like we’re richer than we’ve ever been Money, money Money problems Money, money Money problems Money, money Money problems [Outro – soft gang vocal, guitar fades] Money, money Money problems But you still take my hand Like we’re richer than we’ve ever been
