I.O.U. Me
Bebe & Cece Winans Lyrics


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When I saw you
I could see that it was me, you came to find
By the smile that was on your face

Oh and the pain in my heart
Met the love in your eyes
And it went away
When you told me it was true
What you went through
I tried to thank you
It was something no words could do

I owe love
All my love
I owe everything to you
All of my life, you've given love to me

I owe love
All my heart belongs to only you
The rest of my life
I know, I.O.U. me

Every moment
'Til the world no longer turns, could I repay you?
But I found where to start

Everyday, every night
This is what I write upon my own heart
We both know

I owe love
All my love
I owe everything to you
All of my life, you've given love to me

I owe love
All my heart belongs to only you
The rest of my life
I know, I.O.U. me

I know, I.O.U. me
I know, I.O.U. me
I know, I.O.U. me
I know, I.O.U. me
I know, I.O.U. me

Since your love has found me
Never live without your love
Since your love has found me
Never live without your love

Since your love has found me
Never live without your love




Since your love has found me
Never live without your love

Overall Meaning

The song "I.O.U. Me" by Bebe & Cece Winans is a beautiful ballad about the power of love and gratitude in a relationship. The first verse sets the tone with the line "When I saw you, I could see that it was me, you came to find" - emphasizing the deep connection between the two people in the song. The pain in the singer's heart is relieved by the love in their partner's eyes, and they are overwhelmed with gratitude for what their partner has done for them. The chorus speaks to this gratitude, saying "I owe love, all my love...all of my life, you've given love to me." The singer recognizes that their partner has given them everything, and they feel a debt of love and devotion in return.


The second verse builds on this theme, highlighting the enormity of what the partner has done for the singer, saying "Every moment 'til the world no longer turns, could I repay you?" But the singer also recognizes that this debt cannot be repaid in full, saying "But I found where to start // Every day, every night, this is what I write upon my own heart." In other words, the singer can't fully repay the debt, but they can commit to showing their love and appreciation for the rest of their lives. The song ends with the repeated refrain "Since your love has found me, never live without your love," emphasizing the transformative power of love to change someone's life for the better.


Overall, "I.O.U. Me" is a moving testament to the strength of love and gratitude in a relationship. It emphasizes the idea that love cannot be fully repaid, but it can be recognized and appreciated in a way that can enrich both partners' lives.


Line by Line Meaning

When I saw you
Upon seeing you, I realized that you came to find me


I could see that it was me, you came to find
I understand that you were seeking me


By the smile that was on your face
Your smile gave me a feeling of comfort and joy


Oh and the pain in my heart
I was feeling hurt before you arrived


Met the love in your eyes
However, your love made me feel better instantly


And it went away
My heartache was no more with your love


When you told me it was true
You revealed the truth to me


What you went through
You explained the experiences you had


I tried to thank you
I attempted to express my gratitude towards you


It was something no words could do
But it was difficult to articulate my appreciation


I owe love
I owe my love to you


All my love
My entire love belongs to you


I owe everything to you
You have provided me with everything


All of my life, you've given love to me
You have been a source of love throughout my entire existence


All my heart belongs to only you
My heart only belongs to you


The rest of my life
For the remainder of my life


I know, I.O.U. me
I am aware that I owe myself to you


Every moment
Each minute that passes


'Til the world no longer turns, could I repay you?
Could I ever repay you, even if the world stopped spinning?


But I found where to start
However, I have discovered where I can begin


Everyday, every night
Each day and night


This is what I write upon my own heart
I write this on my heart


We both know
We both understand


Since your love has found me
Ever since your love discovered me


Never live without your love
I could never live without your love




Lyrics © Capitol CMG Publishing
Written by: BILLY LUZ SPRAGUE, TOM HEMBY, BRIAN KEITH THOMAS, BEBE WINANS, MIKE RAPP

Lyrics Licensed & Provided by LyricFind
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