Money Moves 101

[Verse 1]
You want your cash to grow?
Lemme give you a simple code
Take seventy‑two
Divide by the rate you choose
Eight percent?
Do the math
That’s nine
Nine short years
Till your money doubles in size
Tiny rule
With a giant effect
Understand time
Then you understand checks
Is it worth the wait?
Ask what it will be
Don’t just see dollars now
See what they’ll grow to be
[Chorus]
Money moves 101
Let’s learn
Make your cash work
Make it earn
Little rules
Big wins over time
Stack slow
Stay smart
You’ll shine
Yeah
Money moves 101
That’s right
Turn small habits into big bright life
Every choice that you make
Every dollar you save
Is a “thank you” your future will say
[Verse 2]
Looking at a house?
Ask “does this rent make sense?”
Take one percent
Of the price you spend
If the monthly rent
Can sit at that line
Chances are
The deal’s just fine
Thinking “can I buy?”
Flip a new script
Try the rent‑to‑income
Thirty‑percent tip
Keep your housing cost
Under that slice
Leaves room for saving
And living life nice
Want to buy a car?
Here’s another key
Four‑percent monthly
Of your take‑home
See
That’s the max payment
Keep the term tight
Debt stays small
And you sleep at night
[Pre-Chorus]
It’s not about being rich today
It’s about giving future‑you a raise
Tiny rules
Like traffic lights
Guide you through
Your money life
[Chorus]
Money moves 101
Let’s learn
Make your cash work
Make it earn
Little rules
Big wins over time
Stack slow
Stay smart
You’ll shine
Yeah
Money moves 101
That’s right
Turn small habits into big

Bright, upbeat pop with a hint of hip‑hop bounce, acoustic guitar and piano over a tight drum groove. Verses are rhythmically wordy for all the “tips,” chorus opens up with big sing‑along hook and group vocals. Light bass and claps keep it playful; lots of call‑and‑response ad‑libs to make the lesson stick.