So I have talked with Betsey and Betsey has talked with me, And we have agreed together that we can't never agree

I've watched my duty, straight an' true, an' tried to do it well; Part of the time kept heaven in view, An' part steered clear of hell.

We thank Thee, O Father of all, for... all the soul-help that sad souls understand.

Worm or beetle - drought or tempest - on a farmer's land may fall, Each is loaded full o' ruin, but a mortgage beats 'em all.

Over all our happy country - over all our Nation spread, Is a band of noble heroes - is our Army of the Dead.

So I have talked with Betsey and Betsey has talked with me, And we have agreed together that we can't never agree

But I have learned a thing or two; I know as sure as fate, when we lock up our lives for wealth, the gold key comes too late.