Thanks for the response, but that was not the right version. (See previous post). Some of the lyrics are:

I will never kiss the ruby red lips
Of the prettiest girl in town.
Never gonna ask her if she'll marry me.
Cuz I know she'll turn me down.

Money have I none,
But I have silver in the stars,
and gold in the morning sun.

Hope someone recognizes this and can come up with an artist besides Don Williams or Jimmy Reed or Jimmy Witherspoon. Thank you for your time.