DECODED: Kendrick Lamar "YOLO" Verse Breakdown

Are you ready to make some real money moves?
Our new series Decoded pulls out the financial gems in your favorite lyrics. Our first verse comes from Kendrick Lamar.
"YOLO"
The Lonely Island feat. Adam Levine & Kendrick Lamar
[Kendrick Lamar:]
Take no chances (no chances)
Stop freelancin' (right now)
Invest in your future,
Don't dilute your finances (uh huh)
401K, make sure it's low risk
Then get some real estate (how much?)
4.2% thirty-year mortgage,
That's important, that's a great deal
And if you can't afford it,
Don't forge it on your last bill
Renting is for suckers right now
A dependable savings,
And you'll retire with money in your account.
Beast.