The Truth About Intelligence and 'Making Money'

Jan 11, 2026

 

There’s a popular idea floating around the internet that goes something like this:

 “People less smart than you are making more money than you.”

And while that statement isn’t false…It’s also not the full truth.

So let me say something that might sound controversial:

  • 1) Intelligence is not overrated.
  • 2) Being smart gives you keys that being dumb never could.

Let's dive in..

 

1) Intelligence is NOT overrated.

 

 Yes, there are people earning absurd amounts of money without depth, nuance, or long-term thinking.

That’s one facet of reality.

But here’s the part that rarely gets mentioned: 

If intelligent people didn’t exist to…

  • Think deeply
  • Innovate entire markets
  • Solve complex problems
  • Invent systems and products

We wouldn’t evolve as humans.

We probably would still live in the jungle, hunt for food, and try to survive hundreds of diseases.

  • We wouldn’t have electricity.
  • We wouldn’t have medicine.
  • We wouldn’t have technology.

We definitely wouldn’t have Instagram, TikTok, YouTube, or any digital platform you’re using right now.

Those things didn’t happen because a human decided to ask themselves: 

 “How can I make more money in my life?”

If we zoom out, they happened because someone chose to apply their intelligence over fast money satisfaction.

Every platform you see online today exists because someone chose a system of thought, evolution, and problem-solving before choosing a system of profit.

 Now try explaining this concept to a real dumb person.

 You know what they’ll tell you?

  “I don’t care bro, just wanna make money.”

 And the irony is: 

 The same person who doesn’t care is the same person who complains when the very thing they didn’t care about stops working for them.

 In my opinion, those are often the same people who say:  “Courses are scams.”

  • 1) Someone intelligent wouldn’t give 2 cents to spread that nonsense, because they can see and hold the perspective of why courses or at least consuming from that creator hold value.
     
  • 2) Someone intelligent would instead look inward and ask:  “What made me fall for this in the first place? (If it even was a scam.)

That single question already signals intelligence. 

So no,  I do think we should do our best, as creators and as humans, to help others develop more:

  • Intellectual intelligence
  • Emotional intelligence
  • Social intelligence
  • Decision intelligence

Not settle for: 

 “Stay dumb and make more money.” 

Because in the long run, that mentality creates the same pattern:

A dumb human with an underdeveloped prefrontal cortex. Blaming everyone for their problems. Unable to see the consequences of their own actions.  Repeating the same tactics. Parroting the same ideas. And very often, Becoming the scammers of the internet. 

 “He who cannot think is a fool. He who will not think is a fanatic. He who dare not think is a slave. ” — Andrew Carnegie

 

2) Being intelligent gives you keys that being dumb never could.

I can’t speak for intelligent people. 

But personally?

Every time I see that cliché sentence used as a marketing tactic to sell a service, I just roll my eyes. Even though I understand it. Even though I partially agree with it. It still repels me, every time.

Because the truth is, if we're going into the rabbit hole of the laws of the universe, by saying that, you're literally trying to attract the worst types:  People who are proudly dumb, driven by one of the lowest intrinsic human consciousness, that's just about chasing money. 

The problem with these people is, once they're in your program..You'll have to teach them that money = value creation to be exchanged. 

If you don't know what value creation means, in abstract, value creation means reducing friction, uncertainty, or imbalance in a system.

Money flows toward whoever does that best.

This goes to: 

  • Content creators with courses, digital products..
  • App builders with automated systems/workflows.
  • Day traders with their market liquidity.

Try explaining this concept to someone of that caliber. 

 I'm not so sure about percentages in this case, but in my opinion, many of them wouldn't have the patience to understand your strategies, many of them wouldn't comprehend why they do what they do, and mostly many of them would disconnect money from responsibility, intelligence, or even universal systems.  

The thing is, If they were operating from ego or/and chasing money, it's a natural starting point (we’ve all started there), but being proudly dumb is honestly concerning.

 Now some of you would say: 

 “Yeah, but dumb people can just hire the ones with the MBAs.”

Sure, they can. 

 But let's agree on one thing first: being dumb and having a degree have nothing to do with each other. 

  • Mark Zuckerberg is a dropout.
  • Steve Jobs is a dropout
  • Bill Gates is a dropout.

But before dropping out: 

  • They got admitted into the TOP world universities.
  • Their intelligence has already made them enter some doors that no dumb human can.
  • They already have capabilities and intelligence that allow them to understand the ones with the MBAs.

This is to say: 

Dropping out is not the same as lacking capacity. 

Intelligence is about expanding that human capacity. 

 

Bottom line:

 Now, my opinion in this letter is just focused on one facet of reality. I have to say that:

I am all for earning more money in your life.

Also, I do think that your:

  • Looks
  • Personal hygiene
  • Physical health
  • Body aesthetics

Are just as much a form of intelligence as your mental or emotional capacity.

I also believe that humans can be better if they choose better.

So never settle for mediocrity. 

- Ons 

PS: If you’re interested in shifting your timeline and understanding the universal variables that govern your life and business, The Quantum Formula offers the full step-by-step system.