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Band of Horses – The Funeral Lyrics 11 years ago
OR (another thought on second stanza)

Really too late to call
So we wait for morning to wake you
That's all we got
("To wake you" or, in other words, to have your wake we "wait" in vigil until "morning" [describing a wake which is traditionally an all all-nighter until the funeral in the morning]. It's "Really too late" for anything else [I'm not coming here "to call", meaning visiting and talking with you as before]... "That's all" the time "we got" left to spend with you, implying this human life is marked by time).

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Band of Horses – The Funeral Lyrics 11 years ago
I agree this song can be interpreted according to individuality. Being a believer in God and the soul, it appeals to me in a spiritual way:

I'm coming up only to hold you under
(I'm coming to your funeral to bury you)

I'm coming up only to show you wrong
(I'm coming up only due to social formality, the real you is not there, just the body)

And to know you is hard we wonder
(To really know you as a spirit rather than the body I could always see is difficult for most mortals)

To know you all wrong we were
(We who knew you, incorrectly viewed you as a human, but your true identity is spiritual, beyond the dead body left behind for burial)

Really too late to call
So we wait for morning to wake you
That's all we got
(You died late in the evening, so its too late for others to gather. We wait for morning to begin your wake)

to know me as hardly golden
Is to know me all wrong, they were
(People think the same mundane way about me, they don't see that beneath the surface is the soul, my true self)

At every occasion I'll be ready for the funeral
Every occasion, once more, it's called the funeral
Every occasion, know I'm ready for the funeral
At every occasion, oh, one billion day funeral
(But I'm ever ready for that day, when my day comes to die. I know I will go on living on that special day of liberation. It could be any day, any occasion, at any moment... but I'm prepared in a spiritual sense)

To the outside the dead leaves, they're on the lawn
Before they died, had trees to hang their hope
(To the outsider that witnesses death, they only see the dead body, not knowing the faith the individual had, the hope they clung to throughout life, given by God whom they leaned on)

And every occasion
I'll be ready for the funeral
And every occasion once more
It's called the funeral
And every occasion
(I'm ready)

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