Major view
F major
Brightness rank 2/7 (bright)
Characteristic notes
- 7 = E (leading tone, pulls home)
- 4 = Bb (the note that leans on the 3rd)
Key F major – D minor Chords A7, Dm, C, F, D7, E7, Gb, D7/F# … Easy key C (capo 5)
C E7 A7 Dm A7 Dm
F Gb C A7 D7 D7/F# G7
C E7
Once I lived the life of a
A7
Millionaire
Dm A7
Spent all my money
Dm
Didn’t have any care
F Gb
Took all my friends out
C A7
For a mighty good time
D7 D7/F#
We bought bootleg liquor
G7
Champagne and wine
C E7 A7
Then I began to fall so low
Dm A7
Lost all my good friends
Dm
Had nowhere to go
F Gb C A7
If I get my hands on a dollar again
D7 D7/F#
I’ll hang on to it
G7
‘til that old eagle grins
Because
C E7 A7
Nobody knows you
Dm A7 Dm
When you're down and out
F Gb C A7
In your pocket, not one penny
D7 D7/F#
And as for friends
G7
You don't have many
C E7
When you get back
A7
On your feet again
Dm A7
Everybody wants to be your
Dm
Long lost friend
F Gb
I said it straight
A7
Without any doubt
D7 D7/F#
Nobody knows you
G7
When you're down and out
C E7 A7 Dm A7 Dm
F Gb C A7 D7 D7/F# G7
C E7 A7
Nobody knows you
Dm A7 Dm
When you're down and out
F Gb C A7
In your pocket, not one penny
D7 D7/F#
And as for friends
G7
You don't have many
C E7
When you get back
A7
On your feet again
Dm A7
Everybody wants to be your
Dm
Long lost friend
F Gb
I said it straight
A7
Without any doubt
D7 D7/F#
Nobody knows you
F
Nobody knows you
D7 G7
Nobody knows you
B7/9 C7/9
When you're down and out
End of song Play again?
Harmony analysis
The song opens on C and ends on G7. Its chords belong to both F major and Dm, so every chord below is read both ways.
Major view
Brightness rank 2/7 (bright)
Characteristic notes
Minor view
Brightness rank 5/7 (leaning dark)
Characteristic notes
Which side does the ear lean to?
Our reading: to us the song feels closer to the D minor side because Dm is heard 16 times against 9 for F and the major V chord points straight at Dm. That is an interpretation, not a rule — the same chords are just as valid seen from F major, and switching between the two views is exactly where the practice value lies.
Show the degrees above the chords — relative to F or to Dm; comparing both readings is a practice of its own.
Every chord of the key, listed 1 to 7 separately for each key. Chords played in the song show how often they appear; chords from outside the scale sit next to their own degree.
| Degree | Chord | Role | Notes | In song |
|---|---|---|---|---|
| I | F | Tonic — home | F · A · C | 9× |
| bII | Gb | Neapolitan bII — a dark, dramatic colour a half step above the tonicborrowed chord | Gb · Bb · Db | 8× |
| ii | Gm | Supertonic — prepares the dominant | G · Bb · D | — |
| V7/V | G7 | Secondary dominant V/V — leads to Csecondary dominant | G · B · D · F | 8× |
| iii | Am | Mediant — a tonic-family shade | A · C · E | — |
| V7/vi | A7 | Secondary dominant V/vi — leads to Dmsecondary dominant | A · C# · E · G | 24× |
| IV | Bb | Subdominant — moves away from home | Bb · D · F | — |
| V | C | Dominant — strongest pull home | C · E · G | 14× |
| vi | Dm | Relative minor — the melancholy side | D · F · A | 16× |
| V7/ii | D7 | Secondary dominant V/ii — leads to Gmsecondary dominant | D · F# · A · C | 9× |
| V7/ii | D7/F# | Secondary dominant V/ii — leads to Gmsecondary dominant | D · F# · A · C | 8× |
| vii° | Edim | Leading-tone chord — tension | E · G · Bb | — |
| V7/iii | E7 | Secondary dominant V/iii — leads to Amsecondary dominant | E · G# · B · D | 8× |
| Degree | Chord | Role | Notes | In song |
|---|---|---|---|---|
| i | Dm | Tonic — home | D · F · A | 16× |
| V7/iv | D7 | Secondary dominant V/iv — leads to Gmsecondary dominant | D · F# · A · C | 9× |
| V7/iv | D7/F# | Secondary dominant V/iv — leads to Gmsecondary dominant | D · F# · A · C | 8× |
| ii° | Edim | Supertonic — prepares the dominant | E · G · Bb | — |
| V7/v | E7 | Secondary dominant V/v — leads to Amsecondary dominant | E · G# · B · D | 8× |
| III | F | Relative major — the bright side | F · A · C | 9× |
| #III | Gb | Chromatic colour chordoutside the key | Gb · Bb · Db | 8× |
| iv | Gm | Subdominant — moves away from home | G · Bb · D | — |
| IV7 | G7 | Major IV — Dorian / melodic-minor colourmodal colour | G · B · D · F | 8× |
| v | Am | Minor dominant — soft pull | A · C · E | — |
| V7 | A7 | Dominant — borrowed from harmonic minor, pulls hard to the tonicharmonic minor | A · C# · E · G | 24× |
| VI | Bb | Submediant — warm colour | Bb · D · F | — |
| VII | C | Subtonic — steps back to the tonic | C · E · G | 14× |
The key pair is F major and its relative D minor (1 flat). 9 different chords appear 104 times in total; 3 of them sit naturally inside the shared scale. The major V of Dm brings the harmonic-minor leading tone, giving the minor side a sharper, more dramatic pull; seen from F, the same A7 is V7/vi, a secondary dominant heading for Dm. D7, E7, D7/F#, G7 act as secondary dominants, briefly pointing at another chord of the key. Gb is borrowed from the parallel minor, adding a darker shade to the major side.
The move to watch is A7 → Dm, heard 16 times. From the Dm side it is V7 → i (harmonic-minor cadence: the major V resolves dramatically); from the F side it reads V7/vi → vi (secondary resolution: A7 resolves a fourth up to Dm). Knowing where these arrivals fall helps you feel the phrasing and anticipate the next chord.
Empty slices are chords the song doesn't use.
The opening C lays a solid floor for everything that follows. The chords that keep coming back are A7, Dm, C, F; read them as V7/vi–vi–V–I in F or V7–i–VII–III in Dm. A7 is the interesting twist: in F it is a chromatic chord (V7/vi), while in Dm it becomes the dominant (V7) that makes the minor side sound so determined. Keep an ear on A7 → Dm (V7/vi → vi in F, V7 → i in Dm): harmonic-minor cadence — the major V resolves dramatically. The final chord is G7; the ear comes to rest in F.
This analysis is generated from the song's chords by akorculuk's harmony engine using consistent rules. When you change key, the degrees stay the same; only the chord names change.
Hover over or tap a chord in the lyrics for its shapes, its degree in both keys and a listen button. Here you have every chord of the song side by side.
Similar songs, ready to play: pick a list.
Report error for this content report.
All copyrights belong to their respective owners. If you think this content contains copyright infringement, please contact us.
We use cookies to provide you with the best experience on our website. For more information, please review our privacy policy.