Lyric discussion by Magoichi 

Cover art for Oh Mandy lyrics by Spinto Band, The

You lucky punk, I want a girl named Mandy. Anyway, I thought all their songs were insprired by things the guy's grandfather wrote on cracker jack boxes? So, perhaps "Oh Mandy" was a brief writing about a girl he could never obtain because he wasn't ever up to her standards. Money couldn't necessarily mean "money", but instead the aspects of a person that won her over.