"Never Had a Lot to Lose" is a 1989 single from American rock band Cheap Trick, released as the fourth single from their 1988 album Lap of Luxury. The song was written by Robin Zander and Tom Petersson, the only song from the album to not feature outside songwriters.

The single was released as a 7" vinyl in the United States and Australia. The Australian version had a picture sleeve.

The B-side "All We Need is a Dream" was featured on the same album, written by American rock keyboardist Gregg Giuffria, Rick Nielsen and Robin Zander. For the single, the b-side was slightly edited, reduced by 42 seconds.

Both tracks were produced by Richie Zito who would also produce the following 1990 album Busted.

Considered as the band's comeback album following the commercial failure of the 1986 album The Doctor, Lap of Luxury spawned three top 40 hit singles and one minor hit single. "The Flame" topped the American Billboard Hot 100 whilst a cover of Elvis Presley's "Don't Be Cruel" peaked at #4. "Never Had a Lot to Lose" managed to peak at #75 for a total of 6 weeks in early 1989.

Song co-writer Petersson stated that in writing the song the band "sat down, did a track. We put the lyrics together as we were doing it in a demo studio. That was fun." Petersson's bass guitar is prominent in the mix.

A music video was created for the single, receiving some airplay on MTV.

A live version was recorded for the 2001 live set Silver.

In the review for the album Lap of Luxury, Allmusic described the song as a "Catchy hard rocker."Ira Robbins describes the song as "durable" and one of the few bright spots of Lap of Luxury. Music writers Mike Hayes and Ken Sharp call the song a "gem" and possibly the best song on Lap of Luxury. Hayes and Sharp describe the song as "an up-tempo commercial rocker, featuring a classic Cheap trick riff."

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