People talk about High IQ like it's a large bank account. I can afford not to study and still get good grades etc. What they forget is the compound interest t

People talk about High IQ like it's a large bank account. I can afford not to study and still get good grades etc. What they forget is the compound interest that sustained effort provides. You can coast though school gain as little from it as the average person or you can dig in and actually gain something, but there are reasonably smart people who dig in so eventually coasting along is not enough. It’s like investing 1million @1%APR vs 100k @ 20%. For the first few years it might seem like you are ahead of the game, but after 16 years of schooling you can end up behind the curve. PS: IQ tests are only really meaningful for the young. At 40 I can look at what you have accomplished at 10 that's far less meaningful.