Luxury You Can Afford

• Joe Cocker – lead vocals, harmonica (5)
• Barry Beckett – acoustic piano (1, 4, 7, 11), clavinet (1), Fender Rhodes (3), Minimoog (3, 4), ARP String Ensemble (3, 4), Hammond organ (3)
• Richard Tee – acoustic piano (2, 5, 6, 8, 9), Fender Rhodes (10)
• Allen Toussaint – horn and string arrangements (1, 9), Fender Rhodes (2, 3, 8), Hammond organ (5, 6), clavinet (5)
• Randy McCormick – Fender Rhodes (4, 7), clavinet (11)
• Billy Preston – Hammond organ (4, 11)
• Dr. John – Fender Rhodes (6), Hammond organ (8)
• Donny Hathaway – Fender Rhodes (8), acoustic piano (10)
• Mitch Chakour – guitar (1), acoustic piano (3)
• Cliff Goodwin – guitar (1, 3)
• Pete Carr – lead guitar (2, 11), slide guitar (2), guitar (3)
• Cornell Dupree – guitar (2, 5, 6, 8–10)
• Larry Byrom – lead guitar (4, 7)
• Jimmy Johnson – rhythm guitar (4, 7, 11)
• Joey Murcia – guitar (5, 10)
• George Terry – guitar (5)
• Howie Hersh – bass guitar (1, 3)
• Chuck Rainey – bass guitar (2, 5, 6, 8–10)
• David Hood – bass guitar (4, 7)
• Rick Danko – bass guitar (11)
• John Riley – drums (1, 3)
• Steve Gadd – drums (2, 5, 8–10)
• Roger Hawkins – drums (4, 7, 11)
• Bernard Purdie – drums (6, 8)
• Hank Crawford – alto saxophone (1, 8)
• Leroy Cooper – baritone saxophone (1, 8)
• Ronald Eades – baritone saxophone (2, 5, 7, 8, 11)
• Gary Brown – tenor sax solo (1)
• David "Fathead" Newman – tenor saxophone (1, 9)
• Harvey Thompson – tenor sax solo (2, 9), tenor saxophone (5, 7, 8, 11)
• Bobby Keys – tenor sax solo (3)
• Charles Rose – trombone (2, 5, 7, 8, 11)
• Marcus Belgrave – trumpet (1, 9)
• Phillip Guilbeau – trumpet (1, 9)
• Harrison Calloway Jr. – trumpet (2, 5, 7, 8, 11), horn arrangements (2, 5, 7, 8, 11)
• Wayne Jackson – trumpet (2, 5, 7, 8, 11)
• Clyde Kerr Jr. – trumpet solo (7)
• Clydie King – backing vocals
• Ann Lang – backing vocals
• Mona Lisa Young – backing vocals

Production

• Producers – Barry Beckett and Allen Toussaint
• Engineers – Bill Gazecki, Skip Godwin, Gregg Hamm, Jerry Masters, Steve Melton and Alex Sadkin.
• Assistant Engineers – Bob Gore, Roberta Grace, Sheila Taylor and David Yates.
• Recorded at Criteria Studios (Miami, Florida); Sea-Saint Studios (New Orleans, Louisiana); Muscle Shoals Sound Studios (Sheffield, Alabama); Elektra Sound Recorders (Los Angeles, CA).
• Mixing on Tracks 2, 5, 6, 7 & 10 – Barry Beckett
• Mastered by Terry Dunavan
• Mixed and Mastered at Elektra Sound Recorders.
• Design – Johnny Lee
• Photography – Gary Heery