Benson Boone’s ‘Momma Song’ Lyrics Decoded: 7 Heartbreaking Money Lessons About Family, Legacy and Loss

Benson Boone’s ‘Momma Song’ isn’t just a tearjerker—it’s a blueprint for generational wealth and emotional accounting. With 300M+ streams, this piano ballad hides 7 brutal money lessons in its lyrics about aging parents, missed opportunities, and protecting your legacy.

Fact: 73% of Americans have no plan for elderly parent care (AARP). Let’s decode every line—and how to avoid singing ‘that’s all that I’ve got left’ about your family’s future.

As you watch the official music video, you'll discover the 7 heartbreaking money lessons about family, legacy and loss.

Full Lyrics Breakdown [Lyrics]

Verse 1:

"Momma, I'm missing home / And California's getting colder"

💸 Money Parallel:

• "Getting colder" = Inflation (California’s cost of living rose 27% since 2020)
• Hack: Remote work + move to tax-friendly states (Texas has no income tax)

62% of millennials can’t afford their hometowns (Zillow)

Pre-Chorus:

"Momma, don't you know / There's nothing to be sorry about?"

💸 Lesson:

• Parental guilt = Unpaid emotional labor (Moms often sacrifice careers)
• Fix: Invest in their retirement (Vanguard Target Funds)

*"Like Tupac’s ‘Dear Mama’, ‘You always was committed / A poor single mother on welfare, tell me how ya did it.’"

Chorus:

"Take me down your old street / Tell me your memories"

💸 Reality Check:

• "Old street" = Family history = Your financial roots (e.g., immigrant hustle)
• Plan: Record their money stories (Use StoryCorps)

Kids who know family financial struggles save 40% more (Journal of Financial Planning)

Verse 2:

"Lately, it's getting hard / I've started looking like my father"

💸 Harsh Truth:

• "Looking like father" = Genetic health risks = Future medical debt
• Fix: HSA accounts (Fidelity) + life insurance

66% of bankruptcies are medical-related (CNBC)

Outro:

"(Oh)"

💸 Silent Lesson:

• Unspoken words = Unprepared heirs (58% of parents never discuss wills with kids)
• Act Now: Family money meeting (Use Madium to share docs)

💬 Comment: "What’s one financial lesson your momma taught you? (Or one you wish she had?) 👇