Released: October 16, 2019

Songwriter: Fred again.. Ed Sheeran Steve Mac

Producer: Steve Mac

[Verse 1]
I don't wanna be broke when I d-i-e
Wanna be livin' it up in VIP
Tryna get in the club, they wanna see ID
Want me to wear nice shoes and a t-i-e

[Pre-Chorus]
I've been workin' and gettin' by
But that ain't enough to satisfy
'Cause I got dreams for you and I
So I got money on my mind

[Chorus: Liam Payne]
So if you wanna stack it up, man, you gotta work for it
I-I-I-I-I-I
Ain't nobody gonna be doin' it for ya
I-I-I-I-I
I got dreams and I got time
But that ain't enough to get me by
So I stack it up, man, I gotta work for it
Yeah, I got money on my mind
I-I, I-I
I got money on my mind
I-I, I-I

[Verse 2]
I wanna flex hard like d-o-e
But right now my car need the m-o-t
And I can't give the valet no t-i-p
But like him, I got dreams and they're b-i-g

[Pre-Chorus]
Tried to be a better guy
But that bread enough to satisfy
I got dreams and i got time
I got money on my mind

[Chorus]
So if you wanna stack it up, man, you gotta work for it
I-I-I-I-I-I
Ain't nobody gonna be doin' it for ya
I-I-I-I-I
I got dreams and I got time
But that ain't enough to get me by
So I stack it up, man, I gotta work for it
Yeah, I got money on my mind
I-I, I-I
I got money on my mind
I-I, I-I

[Bridge]
Stack it up, stack it up
Gotta, stack it up, stack it up yeah
Stack it up, stack it up, yeah
Gotta, stack it up, stack it up yeah
Stack it up, stack it up, yeah
Gotta, stack it up, stack it up yeah
Stack it up, stack it up, yeah
Gotta, stack it up, stack it up yeah

[Chorus]
So if you wanna stack it up, man, you gotta work for it
I-I-I-I-I-I
Ain't nobody gonna be doin' it for ya
I-I-I-I-I
I got dreams and I got time
But that ain't enough to get me by
So I stack it up, man, I gotta work for it
Yeah, I got money on my mind
I-I, I-I
I got money on my mind
I-I, I-I
I got money on my mind

Liam Payne

Liam James Payne is an English R&B-pop singer-songwriter. He made his debut as a singer when he auditioned as a solo artist for the British television series The X Factor in 2008. He reauditioned as a solo artist in 2010, where he was put into a group along with four other contestants, to form the boy band that would later become known as One Direction.

Since joining One Direction, Payne, along with bandmates Niall Horan, Louis Tomlinson, Harry Styles and former bandmate Zayn Malik, have released five commercially successful albums, performed on four worldwide tours, and won multiple awards, including several BRIT Awards and four MTV Video Music Awards. He has worked independently under the monikers “Big Payno” and “Payno”, creating remixes for songs such as British pop singer Cheryl’s single “I Don’t Care”.

When One Direction first announced their hiatus in 2016, Liam said that he would stay in the music, but not go into a solo singing career. On May 10, 2017, Liam announced the release of his debut single “Strip That Down”. It became one of the biggest-selling debuts of all time, one of the most streamed songs of Summer 2017, making it the biggest selling song by any member from One Direction at the time.