The song "Keep It 100" by Joyner Lucas explores the theme of money and its power over individuals' actions and choices. The lyrics depict different scenarios where people are influenced or driven by the desire for money.

In the first verse, the protagonist works hard for his paycheck but encounters difficulties in accessing his money due to an ATM malfunction. Frustrated, he buys drugs with a hundred-dollar bill from his paycheck and indulges in the strip club scene, where he engages in a transaction with a dancer. This portrays the allure of money and how it influences people's behaviors, including engaging in risky or immoral activities.

The second verse depicts a robbery scene where the protagonist threatens a cashier to hand over money. This highlights the dark side of money, where individuals resort to crime to fulfill their desires. The phrase "keep it a hundred" is repeated throughout the song, indicating the importance of being genuine or true to oneself, even in the pursuit of money.

In the third verse, the song takes a religious turn, with a pastor committing an act of theft by taking a hundred-dollar bill from the collection plate. It portrays the hypocrisy and corruptibility of individuals in positions of power. The lyrics also touch upon the experiences of a sex worker who feels conflicted about her choices but feels compelled to engage in them to make ends meet.

Towards the end of the song, the hundred-dollar bill circulates through various individuals, each experiencing consequences or encounters related to money. It serves as a reminder that money can have both positive and negative impacts on people's lives.

The voicemail from Officer Michael Bradley in the song's conclusion suggests that the protagonist may face legal consequences for his actions, reflecting the potential downfall or punishment associated with the pursuit of money in unethical or criminal ways.

Overall, "Keep It 100" delves into the complex and often conflicting relationships people have with money, emphasizing the dilemmas and consequences that arise when money becomes the ultimate goal. It prompts listeners to reflect on the choices they make and the values they prioritize in pursuit of financial stability or success.