Uh-huh, oh (Oh)
 Uh-huh, oh
 So So Def
 (I've got to have it)
 See this is what it's all about right her
 Understand me see my life's real
 I don't know about yours
 Everything I do is an event
 (I've got to have it)
 Nas, Monica, and me
 (I've got to have it)
 When it comes to my honeys in the strip club (oh)
 Sumpin' on dubs in the middle of the block
 Like what? (What?)

 [Nas](Monica)
 When you see me with the crispy fade
 Icing it out, glowing with the lights is out (hmm)
 Yo say my name! (Ooh)
 When you see a Bentley or Ferrari, a Mazuradi
 It's probably me (ooh, oh)
 Say my name!
 When your hear this song bump in the club
 When you're chillin' on the corner with your thugs
 Say my name!
 I make it hot and take your block
 Who they wanna be and hate they not
 Yo say my name!
 When your girl don't call you when you beep her
 And you hit it and her thing feel deeper
 Say my name!
 Pull on her hair, spankin' her rear
 While I'm in 'em bitches all I wanna hear is you say my name
 Squeeze my gats beef is done
 Police come you know the game
 Don't say my name
 Dipped out crazy, Timbs chicken and gravy
 Q.B., Dupri baby

 [JD] (Monica)
 When it comes to the clubs packed, Cristal flowin'
 (I've got to have it)
 When it comes to homes plushed out chrome stuck out in traffic
 (I've got to have it)
 When it comes to a neck full of glow
 And a check full of O's, you know
 (I've got to have it)
 When it comes to my honeys in the strip club
 Sumpin' on dubs in the middle of the block
 Like what? Say my name!
 (I've got to have it)


 [Monica]
 Gotta have my tied up Iceberg Gucci Rolley
 Bezzled up, bezzled up
 Gotta have me a double O
 With a six in the front
 And a bump-bump in the truck
 Gotta have me an escalade
 My house is late
 A man that keeps my bills paid
 My records play every day
 What can I say?
 I've got to have it

 [JD] (Monica)
 When it comes to the clubs packed, Cristal flowin'
 (I've got to have it)
 When it comes to homes plushed out chrome stuck out in traffic
 (I've got to have it)
 When it comes to a neck full of glow
 And a check full of O's, you know
 (I've got to have it)
 When it comes to my honeys in the strip club
 Sumpin' on dubs in the middle of the block
 Like what? Say my name!
 (I've got to have it)

 [JD]
 When you see a black do-rag through the tint
 Of a black Bent going too fast
 Say my name
 When you talk about longevity
 And niggas who know how to keep gettin' that cash
 Say my name
 When you're sick of your songs
 Sittin' on the right
 And wanna know what the top feel like
 Say my name
 If you wanna know what being hot feel like
 And shuttin' down the spot feel like
 Say my name!
 JD from the home where the bowls get thrown
 And the dough get gone real quick like
 Keep niggas sick like 40 karats and a chain
 Foolish ain't it?
 Say my name!
 Everything you did I've done did double
 If you hate to see flash then your ass is in trouble
 Scram now and don't look back
 Cause until I die it's like that

 [JD] (Monica)
 When it comes to the clubs packed, Cristal flowin'
 (I've got to have it)
 When it comes to homes plushed out chrome stuck out in traffic
 (I've got to have it)
 When it comes to a neck full of glow
 And a check full of O's, you know
 (I've got to have it)
 When it comes to my honeys in the strip club
 Sumpin' on dubs in the middle of the block
 Like what? Say my name!
 (I've got to have it)

 [Monica]
 I've got to have it