Not sure why people are actually arguing with Tom about this. If you have zero monies, you will have zero friends. No one is going to be friends with you if you have no money, and certainly not friends with benefits. Go ahead, try it. Try to have a relationship with someone without ever spending a single dime on anything. No food, no activities, nothing.
This of course excludes trophy wives, who can go an entire lifetime without so much as filing a job application.