Lyric discussion by Helj 

This song isn't about Bruce at all, in fact, it's about your typical down-on-his-luck American guy. In this song, Shaniqua actually calls the guy "Bill". Also, we know it's not Bruce because he makes reference about financial struggles "things are tight" and about his girl having left him ("She went away, she cut me like a knife") - and we know he's currently married.

The guy he is singing about is a blue collared anywhere-in-America guy, he's down on his luck, without too much money and depressed about a woman leaving him. In fact, Shaniqua showing him any kind of human courtesy "might have saved his life" ... meaning thoughts of suicide were creeping in (although he could just be exagerrating).

As for girls in their Summer clothes ... i'm not so sure he's implying that he's old and they are young. It doesn't say anything about the girls being young. Since this is about "Bill", for all we know, Bill could be 25, 35, 45 or 55. The key is probably that the girls in their Summer clothes imply that there are always other fish in the ocean.

Forgot to mention, that the key is that the girls are going to pass him by ... which implies any of the following: (A) They aren't going to be interested. (B) He's older and they are too young to be interested. (C) That he's not interested, he's just going to let them pass by. My guess? All three :)

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