This invigorating retro-soul album comes from a duo consisting of one-time UK 2-step garage star Terri Walker and Nicole Wray, whose “Make It Hot” (under her first but not last name) was one of a half-dozen Jeep bombs Timbaland concocted in 1998. Nothing about Lady, also the name of their act, feels forced — Walker and Wray sound like they’re having the time of their lives, not least because nothing is stopping them from getting to dig in lyrically. “If You Wanna Be My Man” analyzes a relationship sharply but without rancor (“You changed, and I changed/What we used to be”) over a groove that’s equal parts Spinners and Bill Withers. And the amazing “Money” is a bad-boyfriend anthem (she likes the green better than him) that doubles as a proud feminist declaration (“I feel proud that I’m an independent lady”) — not to mention a classic soul single, whatever the calendar year.