This is more about risk than it is intelligence. It's the case that as most people get older, their tolerance for risk gets less and less: they pick up things l

This is more about risk than it is intelligence. It's the case that as most people get older, their tolerance for risk gets less and less: they pick up things like "spouses," "mortgages" and "children" which make it so that they cannot afford to work for equity/cash combinations. I suspect this is also why you see a trend of "I don't want to work 80 hour weeks" posts bubbling up these days as well (though that could be confirmation bias) -- the initial Web2.0 generation is getting to be that age.