The lyrics of "Lotto" by Joyner Lucas talk about the rapper's lavish lifestyle after achieving success. He talks about how he used to have a wishlist, but now he can afford anything he wants, including expensive clothes and women. Joyner also discusses the negative aspects of fame and how people change once they have it. He addresses people who criticize his lifestyle, telling them that he doesn't need to be safe, but rather straight. Joyner also talks about his talent as a musician and how he is the realest person he knows. The song's chorus refers to his success being like winning the lottery. Overall, the lyrics are a celebration of Joyner's success and wealth while also hinting at the struggles that come with fame.