[Verse 1]
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]
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]
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 no t-i-p
But like him, I got dreams and they're b-i-g

[Pre-Chorus]
Tried to be a better guy
But that bread enough to satisfy
I got dreams for you and I
I got money on my mind

[Chorus]
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

[Bridge]
Stack it up, stack it up
Gotta, stack it up, stack it up yeah
Stack it up, stack it up, yeah
Gotta, stack it up, stack it up yeah
Stack it up, stack it up, yeah
Gotta, stack it up, stack it up yeah
Stack it up, stack it up, yeah
Gotta, stack it up, stack it up yeah

[Chorus]
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