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In the US, where the majority of wealth is self made and not inherited, I’d guess that it is a function of IQ. Smarter people just make better decisions with their money on average.

Edit: for those that doubt [0]

[0] https://www.sciencedirect.com/science/article/abs/pii/S01602...

From the abstract of your link:

Regression results suggest no statistically distinguishable relationship between IQ scores and wealth

Stop spreading dangerous myths.

It says that earnings are correlated with iq.

There is zero correlation between IQ and wealth.

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