Is it enough to be smart with just nothing to lean on and go on with your life? Because i feel that there are a lot of people who doesn't know how to handle their money with regards to see in the future. Is it enough to be smart and not be strategical or somewhat a person who has a lot of experience. Who would you choose?

For me it is required to be a master of both things like of course you can not have experience if you are not going to try and some people would think it's a waste of their time if they are doing what they know already like repeating their work over and over again. So it should be in a balance.