"Money Scheme" by E-40 featuring Jayo Felony is a rap song that tells the story of two hustlers trying to make money by any means necessary. The lyrics depict their involvement in illegal activities such as drug dealing and robbery as they navigate the streets to accumulate wealth and success. The song begins with E-40 expressing his desire to never go back to selling drugs. However, he acknowledges that if he had to, he would do what it takes to survive (slang llello refers to cocaine). Jayo Felony echoes similar sentiments in his verse, hoping to avoid going back to selling illegal substances but acknowledging that he would do so if necessary (using sherm sticks and loop loop, which are references to PCP and low-quality drugs). Throughout the song, both artists boast about their money-making abilities and assert their dominance in their respective territories. They describe their confrontations with rivals and violent actions they take to protect their interests. The lyrics also highlight their extravagant lifestyles and aspirations for success through their "fancy dreams." The chorus emphasizes their ambition and determination to rise above their circumstances and achieve financial success. They encourage others, both men and women, to strive for the same. In the later verses, E-40 and Jayo Felony continue to assert their dominance and describe the violent and aggressive actions they are willing to take to maintain their positions. They rap about their experiences with drugs, women, and confrontations with law enforcement. The overall theme of "Money Scheme" is the pursuit of money and success in a harsh environment. The song portrays the struggles and risks involved in street hustling while also celebrating the rewards and status that come with it.
