Money buys options. It doesn’t buy someone who’ll pick you up at 2 a.m.

There are two different goods here and only one of them is for sale. Money genuinely buys options, and anybody who tells you otherwise has not been short of it. What it cannot produce is somebody willing to be inconvenienced for you at an unreasonable hour, because that gets built rather than purchased. No amount changes that part of the arithmetic.

Invest in both, on different schedules. Learn to earn and save, and separately put hours into a few people over years. The test is simple: who would come, and whose call would you answer.