“Trust Fund Baby” is about Why Don’t We’s band members wanting to be in relationships with independent women. Although Ed Sheeran is the song’s primary writer, Corbyn Besson’s verse was likely inspired by his girlfriend Christina Marie—on the day “Trust Fund Baby” dropped, she tweeted about embodying all the desired characteristics he describes.

Over a year after it’s release, the song became the opening track for their international 8 Letters tour.