The song was written and produced by TLC's long-time collaborator Dallas Austin under his artificial intelligence alter ego pseudonym named Cyptron.

Instead of Lisa "Left Eye" Lopes's vocals being on the song due to a busy schedule, Vic-E, the then temporary voice-based fourth member for the group's FanMail era, makes an appearance on the rap verse and provides ad-libs.

[4] Two authors Kerry Mallan and Sharyn Pearce analyzed its content in their book Youth Cultures: Texts, Images, and Identities: "[The song] describes the narrator as a woman who has never relied on her partner to buy her what she wants.

"[5]With the lyrics: ”I ain’t never been no silly bitch/Waiting to get rich/From a nigga bank account,” which David Browne from Entertainment Weekly points out they were talking about taking control of their own finances.

"[2] Jet agreed, the publication noticed the song's similar message to "No Scrubs", but more about "a kind of female who can't get her life together.

"[3] Kelefa Sanneh described it as, "a startling single, which I loved: a violent buzzing sound interrupted every few lines, as if the producer, Dallas Austin, were playing a prank".