"I.O.U." by Eric Bellinger is a love song that expresses the artist's deep affection and admiration for his partner. The song conveys the message of appreciation and acknowledges the sacrifices and hard work his partner puts in. The lyrics describe how the artist wants to be there for his partner, both emotionally and physically. He wants to know about her day, her feelings, and the little details of her life. The artist also appreciates her independence and drive, referring to her as a boss. He admires her work ethic and acknowledges that she deserves a break from time to time. The chorus, "I.O.U inside of you," can be interpreted as a promise to always be there for her and provide love and support. The repetition of this phrase emphasizes the artist's commitment and dedication to their relationship. The song also reveals that the artist and his partner started as best friends before becoming romantic partners. They have a strong bond and plan to build a future together, possibly starting a family. The lyrics express the artist's gratitude for having found love with his best friend and their intention to stay together forever. Overall, "I.O.U." is a heartfelt song that celebrates love, loyalty, and appreciation for a partner's hard work and dedication.