4-0-1 K, we could be friends with benefits, you dig that?

from Kendrick Lamar (Ft. Dom Kennedy & Murs) – She Needs Me (Remix) Lyrics on Rap Genius

Meaning

A 401K is a type of investment where you set aside a portion of your salary. (Example: You earn $5,000 a month and you set aside $1,000 of that, every month, for a retirement fund) Your employer will also set aside $1,000 of their own money, every month, to add to your 401k.

There are harsh penalties for withdrawing money from a 401k before your retirement so, it is advisable not to do so. After all, that money is meant to support you when
You are no longer working (retired).

When an Employer offers you a 401k, it is considered a benefit (like when an employer offers health insurance, a company car or Wall Street stocks).

Likewise; When an attractive friend wants to have sex with you, no strings attached, you have nothing to lose. There are no consequences. Only benefits.

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