Financial literacy isn't about genius-level IQ—it's about having the right information. Take QSQS elections, backdoor Roth conversions, or bonus depreciation strategies. None of these require rocket science to execute. The real difference? Most people simply don't know these options exist.

It's an information gap, plain and simple. Anyone can check a box on a QSBS form or understand how backdoor Roth contributions work. The mechanics aren't complicated. But here's the thing: if nobody tells you about these tools, you'll never think to use them.

That's where the skill lies. Not in being smarter than everyone else, but in knowing where to look and what questions to ask. Financial optimization is largely about access to knowledge, not exceptional intelligence.