[Verse 1]
Kid with a marshmallow
Told to wait ten
Ate it in a minute
Asked for it again
Grew up on credit
Living on a loan
Calls it his castle
Bank calls it their own
[Pre-Chorus]
Sign here
Smile wide
[Chorus]
Buy now, pay later
That’s the devil’s deal
Pay now, buy later
That’s the one that’s real
Some folks owe
Some folks own
Just one letter
Builds a home
[Verse 2]
I skipped the parties
Banked the overtime
Drove a rusted Ford
Through my prime
Interest is quiet
Works while you sleep
What you don’t spend
Is what you keep
[Pre-Chorus]
Sign here?
Not me
[Chorus]
Buy now, pay later
That’s the devil’s deal
Pay now, buy later
That’s the one that’s real
Some folks owe
Some folks own
Just one letter
Builds a home
[Instrumental]
(harmonica solo)
[Verse 3]
Lad next door
Wants it in a tap
Fame by Friday
Fortune in an app
Gave him a jar
Said fill it slow
Laughed at first
Now he wants to know
[Pre-Chorus]
Sign here?
Wait and see
[Chorus]
Buy now, pay later
That’s the devil’s deal
Pay now, buy later
That’s the one that’s real
Some folks owe
Some folks own
Just one letter
Builds a home
[Bridge]
(stripped back, guitar and voice)
Funny thing
Years go by
The flash boys
Ask me why
I just smile
Pour the tea
Time was the price
Time paid me
[Final Chorus]
(full band)
Buy now, pay later
That’s the devil’s deal
Pay now, buy later
That’s the one that’s real
Some folks owe
Some folks own
Just one letter
Builds a home
Some folks owe
Some folks own
Just one letter
Builds a home
[Outro]
Pay now…
Buy later
Pay now…
Buy later
Lyrics Michael Forty
Voice Michael Forty