[Verse 1]
Heaven knows I've had me one hell of a time
But like the night gives way to the morning light
There's a poundin' in my head again
I'd be lyin' if I said I wasn't tired

[Verse 2]
And I can't help but think of Janie and those pretty eyes
Yeah, she was sweet as berries on a summer vine
She had a heart of gold, we were burnin' coals
Hotter than a sidewalk in July

[Chorus]
At the expense of my heart, Lord, I've cashed in my soul
Chose this old guitar before the only love I've known
I gotta live with that, lose sleep with that
When I close my eyes, I'll die with that, yeah
My life's a credit card, play now, pay later
And I'm payin' hard

[Verse 3]
Well, I've heard it said that moments come and then they pass
And it sure passed me by when I should've saw my dad
But I plugged it in to another town
Swore another chance would come around again
Yeah, I plugged it in to another town
Swore another chance would come around again
[Chorus]
And now it's gone, that kinda gone that don't come back
I only see him now in dreams that I have
I gotta live with that, lose sleep with that
When I close my eyes, I'll die with that, yeah
My life's a credit card, play now, pay later
And I'm payin' hard

[Chorus]
So long, my friends, I guess this is my farewell
And damn all these pennies swimmin' in my wishin' well
Told every single story that I had to tell
I'll live with that, sleep with that
Make my peace, and I'll die with that, yeah
My life's a credit card, play now, pay later
And I'm payin' hard

[Outro]
And I'll live with that, sleep with that
Make my peace, and I'll die with that, yeah
I'll live with that, sleep with that
And I'll make my peace, and I'll die with that, yeah