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"Material Girl" is a commentary on the extravagances of the rich and famous, while also expressing an aspirational desire to be accepted and admired by them. In the chorus, Madonna sings: "We are living in a material world and I am a material girl", suggesting that material wealth and status is of great importance, even though she has yet to realise it.

The verses speak of her encounters with different boys who are trying to impress her, but if they don't have the money to do so, Madonna simply walks away. The implication is that money ultimately rules the day and, without it, she cannot be satisfied. This is further emphasised in the last verse, where she states that her experiences have made her rich and others are now chasing her for her finances.

Overall, the song serves as a critique of a world that is driven by material wealth, as well as an expression of the desire to achieve a certain level of acceptance and admiration within that world.

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