This song is often rumored to tell the story about a prostitute. The prostitute statement is simply a misunderstanding. Jack Johnson wrote this song about a young girl named Taylor, hence the title of the song.
The song tells the story of three characters. The main character is Taylor, a sweet, young, innocent, lonely little girl, who is searching to find her heart. In the story, Taylor works the night shift, passing out tickets to patrons who want to see her dancing. All this time, Taylor is dreaming of a paradise where sadness is unknown. However, things turn sour when a secret about her life reveals a sudden change. Feeling as though she has been mistreated, Taylor leaves her parents' home, trying to find someone who will comfort her. However, she only finds herself wandering the streets, looking for a place she can call home. As she wanders along, Taylor meets the second character in the story, a young man named Peter Patrick, who is twice her age. Like Taylor, Peter Patrick is trying to find his heart. When Peter Patrick discovers that he's locked out of his own house, he pitter-patters on his window. As he waits with Taylor outside his house, Pete discovers that the third character of this story, his wife, Sunny, won't let him into his own house! Somehow, Sunny realizes that she knows the truth, she knows just where Pete's been going to. Sunny discovers the secret, that Pete has fallen for Taylor! However, Pete realizes all the while that he has made so many mistakes, but he wasn't going to let his love for Taylor be the biggest mistake he's made in his life. So, Pete tries to cover up the situation by thinking that going to church every Sunday will make everything right again.