Whats "better" mean in this instance? Is it, "you will have a better chance of being wealthy?" or is it, "you will lead a happier life?".

For that matter, whats "smart"? Is it to score high on tests, work 8-8 job, and be called smart by everyone else? Or is it make good decisions, work the least amount possible and become super wealthy and retire earlier than everyone else?

Why be smart, if you'll be poor anyway? Would you choose to be less smart but more wealthy? (All rhetorical).

I have friends that range in "smartness" and I find no correlation to wealth outcomes. If anything, friends that are considered - or exhibit "naivety" - actually are more happy.