Kenny Loggins had set out to write about ordinary people in typical situations when he wrote this song about his brother Dan. "A lot of the lyric is taken, rephrased, from a letter he wrote me when he and [his wife,] Sheila were deciding to move to Berkeley just after their son, Colin, was born," he told Rolling Stone. "He talked about the baby, and that they were going to Berkeley with no money at all, starting fresh." The line "Even though we ain't got money/I'm so in love with you, honey," sealed its inclusion on Best Love Songs lists for years to come.