There are plenty of people who aren't very bright or capable and yet have very "free" (in the financial sense) lives and live comfortably. Of course there are

There are plenty of people who aren't very bright or capable and yet have very "free" (in the financial sense) lives and live comfortably. Of course there are plenty of people, both bright and dull, who could live comfortably and yet stay mired in debt and distress.