It was Joel Little's publisher, Sony/ATV, who set up the session with Khalid that produced this track. He recalled to Songwriter Universe
"At the time, it was in the early days for Khalid, before his song 'Location
' became a hit. I'd heard a Soundcloud link to 'Location' and I thought it was really cool. When I heard his voice and the type of music he was making, I thought there was something really special about him.
Then Khalid came around to my studio, which I have in my house, and we were there with a topliner named Talay Riley. And on the first day together, we wrote 'Young Dumb & Broke.' We'd written another song that day and it was really cool... a slow, dark track. We were about to finish up, but Talay said, 'Hey. how about we try something else? We can do something that's a little more upbeat.' And both Khalid and I looked at each other—we were quite tired…we'd been working pretty hard. But we said 'Okay,' and I just turned around and I made the beat and the chords on the spot. And within half an hour, the majority of the song was written. It obviously doesn't always happen quickly, but for some reason that song clicked into place straight away."