[Intro] [crowd murmur, mic squeal] (Yeah) Step up to the line, we gon’ talk that cash Two ways to the bag, who gon’ really last? [Verse 1 – Mr. Money Bags] First off, it’s Mister Money Bags, mind on expansion I don’t chase checks, I attract ’em, law of compounding Got my assets in a row, watch the numbers grow Sleep good, stocks working while I’m laid low I learned early, pay myself first, that’s ritual Ten percent locked, make the interest habitual I buy time, not toys, that’s a rich flex You buying brand new kicks, I’m buying duplex I got budgets in folders, goals on a timeline If it don’t make profit, it don’t get my time, fine Call me greedy, I just call it being wise You pray for raises, I’m out creating enterprise (yeah) [Chorus] It’s a money talk showdown Two paths, one goal, who’s right now? From the pennies to the private rows Listen close, you can learn from both This that money talk, money talk What you really know? Mister Money Bags Versus Poor Man Joe [Verse 2 – Poor Man Joe] Name’s Joe, poor man? That’s the tag they gave me Wallet thin, but my brain stay wavy I seen shut-off lights, saw past-due notes Learned more from that than your finance quotes My mom stretched one pot for a whole damn week That’s grad school for grind, not for the meek I budget ’cause I have to, every cent got a job Envelope system in a coffee can, watch me solve I ain’t anti-rich, I’m anti-stupid You got five cars, one life, that’s foolish I invest in what I know, start small, grow slow No shame in a side gig, that’s how seeds sow (yeah) You brag ’bout passive, I brag ’bout persistence Climbing from the bottom taught me inner-richness [Chorus] It’s a money talk showdown Two paths, one goal, who’s right now? From the pennies to the private rows Listen close, you can learn from both This that money talk, money talk What you really know? Mister Money Bags Versus Poor Man Joe [Bridge – Call & Response] Mr. Money Bags: Stack it high, let it rise, think bigger Poor Man Joe: Track it tight, cut the lies, build quicker Both: Different routes to the same destination Mr. Money Bags: Wealth is numbers Poor Man Joe: Wealth is education Both: Add ’em up, that’s a stronger foundation (woo) [Verse 3 – Back-and-Forth] Mr. Money Bags: You saving every crumb, that’s slow motion I leverage credit, turn loans into oceans Joe: And when the tide switch quick, who drowns first? I keep a little debt, but I keep more worth Mr. Money Bags: You scared of risk, that’s why you stuck on the floor Joe: Nah, I measure risk, I just open one door Mr. Money Bags: I buy low, sell high, let advisors steer Joe: I read the fine print, ain’t signing outta fear Mr. Money Bags: So what’s the lesson then, from your side, Joe? Joe: Live below means, let emergencies grow Mr. Money Bags: And from my seat? Build streams, several flows Both: And teach the ones behind how the money game goes (hey!) [Chorus] It’s a money talk showdown Two paths, one goal, who’s right now? From the pennies to the private rows Listen close, you can learn from both This that money talk, money talk What you really know? Mister Money Bags Versus Poor Man Joe [Outro] So pick your lane, but respect the grind Big bank mindset, small-check time Different pockets, same truth in the end: Make your money work Don’t pretend, just ascend (yeah)

rap, Boom-bap cypher energy with crisp drums, vinyl crackle, and a simple looping piano riff. Two contrasting male vocals: one glossy and confident, the other gritty and grounded. Hook opens up with stacked crowd-style chants, verses stay tight and percussive. Occasional record-stop fx on punchlines; mix keeps the vocal front and center for every bar to land.

Money Bags vs. Poor Man Joe