Meaning of "ATM" by J. Cole

The lyrics of "ATM" delve into the pursuit of money and the materialistic nature of society. J. Cole starts by acknowledging that life can cause pain and suggests that there are various ways to cope with this pain, urging listeners to choose wisely. The repeated phrase "Count it up" signifies the obsession with counting money and accumulating wealth. J. Cole portrays money as something that can both heal his soul and fulfill a desired high, yet also cause problems. He mentions money giving him a "hard-on," metaphorically highlighting its power and allure. J. Cole suggests that having money is crucial for solving all problems, stating that without it, he would feel miserable. He juxtaposes his current financial success with his past experiences, mentioning teachers who doubted him. Ultimately, he asserts his newfound mathematical prowess as a result of his success.

The lyrics also touch upon the consequences of this money-driven mentality. J. Cole warns of the dangers of chasing money and the potential for it to create a hole in one's heart. However, he embraces the pursuit of money, claiming the entire cake and leaving no portion for others. The reference to his mother's inability to afford an abortion indicates that he sees his success as a means to overcome adversity. He boasts of his fortune and the endorsement he receives from those who previously hated on him. J. Cole emphasizes the importance of his circle, comparing his friends to iconic TV characters Tommy and Martin, and highlights his ability to "ball" and win in any situation. The lyrics also suggest that money has a sexual appeal, as it arouses the woman described in the song.

Overall, the lyrics of "ATM" critique the obsession with money and material wealth prevalent in society. J. Cole discusses the idea that money can solve all problems and depicts the consequences of this mindset. The song ultimately serves as a commentary on the allure and dangers of the pursuit of money.