"Settle Down" by Ricky Montgomery appears to be a love song that expresses a longing to find a settled life with someone he cares about. The song's protagonist seems to be in a long-distance relationship with someone who lives either in New York or LA. He can't understand why they're not living in the same city and feels that their constant arguments may make it difficult for them to continue with their relationship. They keep coming back together but also need space from each other.

The chorus "I wanna settle down with you" expresses a desire to put down roots with his partner and have a stable life together. He wants to be able to share his daily life with her and also to be able to complain about it and for her to be able to do the same. The outro with the lyric "I wanna leave America with you" suggests that he wants to move away from the hustle and bustle of the city and start a new life with his partner somewhere else.

Overall, "Settle Down" seems to be a heartfelt plea for a sense of stability and domesticity in a relationship that is currently fraught with uncertainty.