And I ain't got no investment portfolio
But my black and white diamonds shinin' like a Oreo

from J. Cole – Chaining Day Lyrics on Rap Genius

Meaning

Cole may not have an investment portfolio to make a steady source of additional income, but he can at least put up a front of extravagance by rocking diamonds.

Ironically — while there are certainly black and white diamonds — unlike jewels, Oreo’s don’t shine.
He compares diamonds to Oreo as a metaphor to the idea that, while diamonds definitely are pretty, they are no more than a façade for something else.

Referring to J.Cole’s previous line: “Money short so this jewelry is like a weave, meant to deceive.”

This is consistent with J. Cole’s theme of materialism.

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