My favorite excuse for not being rich ever! I am too smart to get rich. You heard me!

And when it comes to financial distress, smarts are no help at all. People with 140 IQ scores (a score of 100 is average) missed payments and maxed-out their credit cards more often than their lower IQ counterparts. They went bankrupt at a rate, 14.1%, close to the rate of people with an IQ of 80, 15.2%. "Only among people slightly above-average does an increasing IQ score lead to a reduced chance of financial distress," says the study. "The survey provides no data to explain why this occurs," but Zagorsky offers these explanations for High IQ types getting into financial hot water:

— They might be busier and less focused on routines like paying bills.

— They might lead a lifestyle that is closer to the financial precipice because they feel they are smart enough to get away with the risks of credit card spending and saving less.

— They may have a better memory and are more likely to remember financial mistakes on their surveys.

It has never failed that when I meet a new woman and they find out I have some small talent and brains they then assume that they can get me to create something to make us all rich by nagging me. But being smart does not mean that you are motivated or disciplined enough to make a bunch of money.

I actually don't care that much for money. You know why? Because I am too smart.

Damn I love this new excuse!

P.S. By the way I do pay my bills on time because being homeless just does not seem that bright to me.