That’s the point of J. Cole’s music. As for Lil Pump, he is living his life but once he gets older and his fame dies down what exactly would Lil Pump rely on for income and where would he be if he doesn’t invest his money right?
J. Cole is only trying to show him what to do with life, but like most mumble rappers these days they don’t like anyone to talk sense to them.
The moral of the story from J. Cole in that "1985" song is live your life, but be smart about it.