I will suggest it is probably not just you and your friends. I am more financially savvy than most people I meet and I really don't know much at all about stock

I will suggest it is probably not just you and your friends. I am more financially savvy than most people I meet and I really don't know much at all about stock options. I imagine I would try to find out if it were being offered as part of my compensation package, but I think stock options are a fairly sophisticated financial concept and most people will not really understand them. I say this as someone who worked in insurance, which is a financial services industry subject to federal financial regulations, such as Gramm-Leach-Bliley. So, it is not just my opinion that I know more about finance than average, I also have relevant training. And I only have a vague, hand-wavy idea of what you are talking about.