I believe wealth isn’t depended on how smart you are, but it will guide you usually in making better decisions or gives you a drive to move up. Still it is often luck where you end up. I see people that should have moved up in live, but where held back because of the economic crisis, afterwards people forget, and promote the next generation, as if the generation that was held back didn’t move up because they weren’t ambitious enough, forgetting the whole economy stagnated.