I think there are different kinds of smarts, and ultimately it comes down to your goals. Someone who is a mathematical genius may not be 'smart' with their money, and could end up broke.
There are definitely different type of smarts. I know a lot of people that are engineers, but they are still too stupid to see why bitcoin is important and why you must invest a considerable amount of your portfolio into it and hold it long term. They are intelligent, but not really smart.
Meanwhile I only got basic education but im smart enough to know that I must spend 24/7 making more BTC and storing it long term to get richer than all of my industrial engineers combined. In the long term I will laugh at everyone hating on me.