Zac Brown actually wrote this song himself. He got the idea from his producer who was drinking in Key West on his 30th birthday. He called Zac and was like "I got my toes in the water and my ass in the sand"
it's 'quiero,' not care-o |
What he's actually singing is that the senoritas don't 'quiero', or the senoritas 'no quiero', as that's a common gringo way of using (actually, slightly misusing) the verb 'querer', which means 'want' or 'love.'
So he's using a gringo's Spanglish to say the senoritas dont want (or love, or like) him when he's out of money (dinero).
Anyone gringo who's been around Mexicanas or other latinas knows what this is all about.
The song's writer possibly is from a Mexican/US border area.