She's Funny That Way
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The speaker describes himself as ordinary and unsuccessful, yet deeply fortunate to have a devoted partner. He praises her loyalty and willingness to work for him, while admitting that she might have an easier life without him. This creates a gentle tension between self-criticism and confidence in their bond.
Several phrases are playful rather than literal. โNot much to look atโ means he thinks he is not especially attractive or impressive. โCanโt save a dollarโ and โainโt worth a centโ suggest that he has little money or value in practical terms. Calling the woman โcrazy for meโ is an informal way of saying she loves him very much; โfunny that wayโ expresses his bemused surprise at her devotion.
The speakerโs claim that she would be โbetter offโ if he left may show humility, but it also sits beside his certainty that she would be unhappy without him. That contrast can make him seem both affectionate and a little self-satisfied. The lyrics do not tell us whether he is truly considering leaving or simply teasingly reflecting on how devoted she is, so the tone can be heard as tender, comic, or both.