When you’re in the weeds of a long term goal, like paying off six figures of student loan debt in 5 years or saving enough money to reach financial independence in 15, motivation is EVERYTHING. One of my key motivators is my FIRE (Financial Independence / Retire Early) playlist. There’s nothing like inspirational lyrics and pure swagger to crank up the heat.

Here are my favorite songs to keep me on the path to debt freedom and financial independence. There are some tunes that are on everyone’s money playlists (Money by Pink Floyd is an obvious one), so I left those out to mix it up a bit. Feel free to comment with the songs I missed!

10. 9 To 5 – Dolly Parton

I remember watching the movie 9 to 5 when I was younger, before I really knew what the 9 to 5 lifestyle, or feminism, meant.

9 to 5
Yeah, they got you where they want you
There’s a better life
And you dream about it, don’t you?

It’s a rich man’s game
No matter what they call it
And you spend your life
Putting money in his wallet


After many of my own “spare me the women’s lib crap” moments, I’m really picking up what Dolly’s laying down. Maybe not the rat poison or kidnapping, but I’ve definitely fantasized about making some serious changes in the workplace.

9. Bitch Better Have My Money – Rihanna

This is the song I play leading up to every payday. You know the feeling.

Bitch better have my money!
Bitch better have my money!
Pay me what you owe me
Bitch better have my (bitch better have my)
Bitch better have my (bitch better have my)
Bitch better have my money!



Yes, I pretend that I’m a PIMP and my employer owes me money. I mean, close enough right?

8. Ride Wit Me – Nelly

When I’m feeling left out for turning down plans or the sacrificing starts to get to me, I throw this on.

Oh why do I live this way? (Hey, must be the money!)

You won’t believe how many people straight doubted the flow
Most said that I was a failure
But now the same motherfuckers asking me for dough
And I’m yelling: “I can’t help ya”



In a strange way, Nelly puts that main goal of financial freedom back in my mind. For me freedom won’t mean paying cash for a first class ticket to party in NYC with Courtney B, but being able to choose if I continue working or not. Also, a nice piece in there about ignoring the haters.

7. Money Maker – Ludacris ft. Pharrell

Stand next to this money? Yes please.

Shake your money maker
Like somebody ’bout to pay ya
Don’t worry about them haters
Keep your nose up in the air

You know I got it
If you want it, come get it
Stand next to this money
Like, eh, eh, eh


I like to pretend that the money maker they’re talking about is my brain. This song was also featured in the movie The Big Short in one of my favorite clips – Michael Burry hustling the banks. Let’s be real though, that whole movie was one massive favorite clip. Mind on my money, money on my mind.

6. Work Bitch – Britney Spears

This song is my equivalent of Jillian Michaels yelling ‘unless you puke, faint or die, keep going!’


You want a hot body? You want a Bugatti?
You want a Maserati? You better work bitch
You want a Lamborghini? Sippin’ martinis?
Look hot in a bikini? You better work bitch
You wanna live fancy? Live in a big mansion?
Party in France?
You better work bitch, you better work bitch
You better work bitch, you better work bitch
Now get to work bitch!
Now get to work bitch!

Replace Bugatti, Maserati, and Lamborghini with zero debt, maxed out retirement accounts, and financial freedom. I’m working on it, bitch!

A (1).png

5. Started From The Bottom – Drake

This brings up so many amazing feelings of watching the #debtfreecommunity on Instagram crush their debt. Everyone is so supportive and seeing the team come together like that fires me up.

Started from the bottom now we’re here
Started from the bottom now my whole team fucking here


The whole team fucking here!

4. Crabbuckit – K-OS

If you haven’t heard of crab mentality, it refers to the strange behavior of crabs in a bucket, pulling each other back down when one tries to escape. Even if doing so dooms them all. It’s the epitome of the ‘if I can’t have it, neither can you’ mindset. This is my stay in your own lane, don’t worry about the haters song. They’re just trying to pull me back into that damn bucket and I’m not about that bucket life.

No time to get down ’cause I’m moving up
No time to get down ’cause I’m moving up
No time to get down ’cause I’m moving up
Ah, ha, check out the crabs in the bucket


Don’t let the crabs pull you back in, and don’t let yourself drag anyone else down.

We can all win.

3. Random – G-Eazy

You know I’m not into excuses. I’m not discounting privilege, but effort is undeniably part of the equation. I’ve seen people with immense privilege completely squander it, and people who started with nothing but barriers claw their way to the top. Don’t sell yourself short because you live in a high cost of living area, or have children, or whatever other excuse you’re using lately to not crush your goals. We can celebrate effort while we’re working to tear down systemic barriers – these are not mutually exclusive acts.

Imagine it, put the hours in and stayed passionate
Wasn’t blowin’ money, I was stacking it
Figured what the fuck I want to do in life and practiced it
Pay attention, none of this is happening by accident

This shit is not random


Thank you, G-Eazy. This shit is NOT random, and it is NOT happening by accident.

Make it work, make it happen.

2. Subdivisions – Rush

As a major Rush fan, I had to include at least one of their songs. There are so many to choose from but I think Subdivisions encapsulates all of the emotions that going counterculture can bring.

Some will sell their dreams for small desires
Or lose the race to rats
Get caught in ticking traps
And start to dream of somewhere
To relax their restless flight
Somewhere out of a memory
Of lighted streets on quiet nights


This is my anti-conformist anthem. Whenever I hear cliches like ‘you’ll change your mind’ or ‘that’s the way things have always been done,’ I throw on some Rush and all of the social dogma just fades away under Neil’s epic lyrics.

Okay, I lied. I couldn’t just pick one Rush song..

Working Man

I get up at seven, yeah
And I go to work at nine
I got no time for livin’
Yes, I’m workin’ all the time

It seems to me
I could live my life
A lot better than I think I am
I guess that’s why they call me
They call me the working man

What would a FIRE playlist be without a weekday commute song?

Big Money

Big money goes around the world
Big money underground
Big money got a mighty voice
Big money make no sound
Big money pull a million strings
Big money hold the prize
Big money weave a mighty web
Big money draw the flies 

Money makes the world go round, for better or worse.

1. Sallie Mae Back – Dee-1

This is my six figure student loan debt theme song. Even though I’m Canadian and we don’t have Sallie Mae, this song is all of my feelings about student debt. Also, I finished paying the National Student Loans Service Centre Back does not have the same flair.

For those that doubted me yeah this is payback
And I been on my grizzy {​​yeah}​​ since way back
And no sir and I don’t drive a Maybach
But guess what I did?
I finished paying Sallie Mae back Mae back
I finished paying Sallie Mae back Mae back
I finished paying Sallie Mae back Mae back
I finished paying Sallie Mae back Mae back


I’m thinking about recreating this video when I finish paying mine off.. stay tuned.

What are your motivation songs?

2 Replies to “A FIRE Playlist”

  1. Yes!!!! I was so hoping to see Dee-1 on your list. I just discovered his awesome anthems after reading about him on the the Rockstar Finance Forums.

    I’m partial to “No Car Note,” because that’s the goal I’m working on. I was walking down the street the other day, pointing out old cars and singing out loud, “I love my 98 Honda.” I couldn’t tell if my boyfriend was amused or embarrassed…

    1. Dee-1 is a staple! I love No Car Note too but I don’t own a vehicle so Sallie Mae Back is still my go-to.

Leave a Reply

Your email address will not be published. Required fields are marked *