At the age of 30, you are not worried about your kids leaving the nest (you may not have kids yet), your social circle can still be lively with colleagues, fami

At the age of 30, you are not worried about your kids leaving the nest (you may not have kids yet), your social circle can still be lively with colleagues, family, and past friends that are slowly going out of your lives. You may not have any assets to share with others. Your lifestyle may be still in transition from a young adult mindset to a breadwinner. You may be moving around a lot or moving companies frequently. I'd understand the argument if 50 year olds should be making more friends. They have assets, they have a stable lifestyle, and maybe it's precisely because they didn't invest in making friends earlier that they don't have anyone to share their assets with. But I'll double down and say that for 30 year olds there are so many other things they can be doing and the environment for making friends is so harsh, that it's simply not worth it. For most young adults, their social circle is extremely mobile. Everyone gets more responsibilities and other priorities that take their time. Most aren't in a position to take care of others (from a combination of money, time, and responsibility) - the simplest of friend making activities, like inviting someone over for a meal, can be very much out of your reach as a 30 year old. For myself, I'm collecting assets because I want to build a responsible safety net of protection for your family & future. I'm developing my lifestyle to build a nice environment for my kids to grow up in. Not everyone has those things handed to them, and building up those things are not trivial in the modern world. These goals really are multi-decade goals. I'll acquiesce that they are not lifetime goals. After they are accomplished, there's still a lot of life to live, and values and priorities can change after the underlying needs that the previous goals are built on are fulfilled.