@jakeclaverqfop: The people who build generational wealth are often not the smartest in the room. They are the ones willing to swing at an asymmetric opportunity even knowing the odds are not in their favor. Extremely high IQ individuals can model the risk so precisely that they talk themselves out of the bet. A little less analytical horsepower and a little more conviction is sometimes the winning combination. Outliers by Malcolm Gladwell is worth reading on this.