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While I am not an accomplished pianist or guitarist, I have memorized the lyrics to a gazillion songs from the past, though I don't know much about current popular music. However, sometimes when I'm strolling through a store, I might hear a nice tune playing through the speakers as I load my cart with groceries. Then I'll go and search for it. If it really touches me, I'll buy the sheet music.
Surrounded by an abundance of musical scores, I have sometimes included the mention of a number of songs in the books I write. In The Cowboy's Miracle, I used several ancient western ballads. In my newest release, Patriot's Courage, I referenced "Amazing Grace," one of my favorite hymns. It was first published in 1779 by John Newton. (There's an interesting conversion story on John Newton that you can find at https://en.wikipedia.org/wiki/Amazing_Grace)
I am well aware that a writer must be careful about using lyrics or songs in their stories and not only because it is difficult to secure the copyrights on the songs. Using song titles often dates the story and since songs go out of fashion quickly, future readers may never have heard of the song you are referencing in your book. See Jason Sanford's blog post: http://www.jasonsanford.com/blog/2015/8/why-writers-should-rarely-name-songs-in-their-fiction
Writer's Digest has a very succinct post about using song lyrics: https://www.writersdigest.com/editor-blogs/questions-and-quandaries/legal-questions/can-i-use-song-lyrics-in-my-manuscript Jane Friedman has a longer and more detailed guide: https://www.janefriedman.com/permissions-and-fair-use/
In Clear As Ice, I was tempted to use the titles from a playlist for EMTs and paramedics. Instead, I made vague references to the heavy beat of the songs and the way the protagonist reacts to the music. That's the safe way.