Songfacts®:

• In this song, Amaarae lets her man know he's lucky to have her, and should value her like a trust fund.
  
  "When you think about young African woman, we're at a place right now where we're so fearless about the things that we want, whether it's emotionally, sexually, physically or economically, we're demanding our place in the system," she explained on French TV. "We're demanding our place in history. Records like 'Trust Fund Baby' are the soundtrack to the energy that we feel right now. It's less about being money hungry as opposed to just saying, Yo this is me! I feel sexy. You need to treat this like it's a trust fund. You need to understand how powerful and worthy I am."
• Amaarae's parents are well-off; her parents were banking executives in Ghana. Amaarae has never tried to hide her privilege, which she nods to in this song. She's not close to her father but says her mother "worked her ass off" for her family, and Amaarae makes no apologies for that.
• "Trust Fund Baby" is part of Amaarae's second album, The Angel You Don't Know, released in 2020. She was starting to build an international following around this time, with feature placements on streaming services and exposure on BET. In 2021 she got a lot bigger when a remix of her song "Sad Girlz Luv Money" featuring Kali Uchis took off. Her next album, Fountain Baby, was released in 2023.
• That dreamy groove comes from a sample of "Liquid Sunshine," a 1973 track by John Cameron.