Lyric discussion by vegikuso 

To me it's pretty obvious that she doesn't have money for chemo just like she doesn't have money for a limo. But if she did she'd rather make the most of the rest of her life and choose the limo.

"I couldn't afford chemo like I couldn't afford a limo"

The line is only changed in the song once but I think it proves that point.

I think this song is a time where she drifts in and out of consciousness and what's happening around her mixes with her dreams. Crispy Ben Franklin is money and symbolizes her lack of it. The doctor and her boss talking about insurance policies is discussing the fact that she can't afford treatment. They tell her she'll be OK so they don't have to worry her. I think she realizes that they're lying and she won't be OK but is willing to stay in denial so that she doesn't have to think about the fact that she's dying and will have to leave her children behind.

"My kids were being quiet I knew it was a dream right away"

Her kids are quiet so it has to be a dream, she goes back to sleep. But I think that part is real and her kids are upset about her having cancer and are behaving because they're sad. She just doesn't want to believe it and goes back to her dream/fantasy about riding in a limo.

At the same time she's a fighter and wants to live the rest of her life. She wants to watch her children grow up and she wants to retire and go out in style. She hates the disease, it makes her tired, and she just wants to be OK again.

She thinks about her children and their personalities and how much she loves them. I think the last verse is her coming out of denial and realizing that she's dying. She just sounds extra upset about Barbara and adds in the "Oh my God".

This song is so heart-breaking. Especially as a nursing student since I know that I'll have to deal with these sorts of situations in the future.

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