Horsegirl were in high school when they recorded their debut LP Versions of Modern Performance, an eye-opening, words-blurring blend of ’90s indie rock that was meant to feel live and loud. But the Chicago trio—Nora Cheng, Penelope Lowenstein, Gigi Reece—became a New York trio as they began working on its deeply personal follow-up, Phonetics On and On, an album of coming-of-age guitar pop written during Lowenstein and Cheng’s first year at NYU. “There is a loneliness and instability to moving that the three of us really experienced together,” Lowenstein tells Apple Music. “It brought us very close, having this shared experience of becoming a professional band really young, touring, then moving somewhere new—we started to lean on each other in a familial way. There's something overwhelming about this period in your life.” All of that—the intensity, “the intimacy, the ‘Where is home?’ sort of feeling,” as Lowenstein describes it—made its way into the minimalist pop of Phonetics On and On, recorded with Welsh singer-songwriter Cate Le Bon at The Loft, Wilco’s famed Chicago studio space. If before they’d turned to the noise and post-punk angles of Sonic Youth and This Heat for inspiration, here they found themselves discovering (and embracing) the immediacy of classic records from Al Green and The Velvet Underground. They realized they wanted to be vulnerable and direct, without sacrificing a sense of play or their sense of humor. “I got to college and I discovered The Velvet Underground beyond White Light/White Heat,” she says. “I heard Loaded and I was like, ‘Oh, wow: accessible, emotional songs that make me feel like I’ve felt this way before.’ As a songwriter, I was like, ‘What if I wrote as a way of reflecting on my own life,’ which was not really something that I had approached as a kid. Then it was more like, ‘How do I write music to just feel powerful?’” Here, Lowenstein takes us inside a few songs on the album. “Where’d You Go?” “Not to talk too highly of my own band, but we felt like there were songs on the record that could have been singles that weren’t. And we thought it was cool to open with a song like that to show that all the songs stood on their own in a cool way.” “Rock City” “That title was us just goofing around. Sometimes, the titles will become too joke-y and then we have to tone it down. That’s how you end up with songs like “Homage to Birdnoculars” or “Dirtbag Transformation (Still Dirty)” on the record. No one needed to do that. We tried to pare it down, but ‘Rock City’ made it through in terms of joke titles.” “2468” “I thought that song was a really shocking choice for us to make, and that’s part of why I’m proud of it. It just came together in the studio in a really playful, different way for us, and it felt like we unlocked this really new dimension to our band.” “Julie” “I originally wrote that song on an acoustic guitar, and we spent months trying to crack it, trying a million arrangements with an electric guitar and the full band. But it felt like something was lost from the song. In the studio, there was this freak accident where the engineer turned my guitar completely off—and then you only heard the arrangements that my bandmates had written to complement me. At the same time, I was just singing what, for me, is a really vulnerable vocal, but with the confidence as if I was playing guitar. That was a really intimate moment, and a metaphor for my bandmates listening to me, and something that ended up being stronger than what I had originally written.” “Frontrunner” “Nora and I live together, and basically I had just had a really terrible, emotional day. I was a complete mess. And it was at the weekend, and I hadn't gone anywhere, and Nora and I were like, ‘OK, we should just play guitar today, you need to do something.’ And we wrote that song together, like we had played guitar from dawn until dusk together in our apartment.”