Mutual benefit certainly helps. I just wonder if you have to have it. The people I referred I actually never work out with. It was just a trivial way to get $

Mutual benefit certainly helps. I just wonder if you have to have it. The people I referred I actually never work out with. It was just a trivial way to get $25 or whatever the bonus was at the time. I believe Zecco (brokerage) also has a referral system going. Again, using it is beneficial monetarily - I could care less though if my friends use it. One thing that is probably true: If there is no 'network effect', you probably need a much larger reward to get referrals.