While living in Georgiana, Williams met Rufus "Tee-Tot" Payne, a street performer. Payne gave Williams guitar lessons in exchange for meals prepared by Lillie Williams or money. Payne's base musical style was blues.
He taught Williams chords, chord progressions, bass turns, and the musical style of accompaniment that he would use in most of his future songwriting. Later on, Williams recorded one of the songs that Payne taught him, "My Bucket's Got a Hole in It". Williams' musical style contained influences from Payne along with several other country influences, among them "the Singing Brakeman" Jimmie Rodgers, Moon Mullican, and Roy Acuff. In 1937, Williams got into a physical altercation with his physical education coach about exercises the coach wanted him to do. His mother subsequently demanded that the school board terminate the coach; when they refused, the family moved to Montgomery, Alabama. Payne and Williams lost touch, though eventually, Payne also moved to Montgomery, where he died in poverty in 1939. Williams later credited him as his only teacher.