I know you are joking, but there is something about this that I really don't get. "Friends" here really means "a professional network". Many nerds despise having one or maintaining/building one. At the same time, people pour weeks/months/years of their life into optimizing their modest investment portfolios. 0.01 percentage points of yearly cost differences of some passive ETF. That surely compounds. But you know what also compounds? Knowing somebody who knows somebody who has $skill or $job_posting. In a big way. Your work comp is still the biggest source of income for most, but investing into optimizing it by broadening your network is something people don't want to do. They'd rather discuss the tax implications of nuances of some investment portfolio.