Here's the catch: When we say "wealthy" or "financially successful," those are really squishy terms. One person may mean the attorney down the street bringing in a cool quarter million each year from her practice. Another person may mean billionaires.

The linked study mentions correlations between IQ and earnings in the 5 figure range for the highest IQs. Wealth inequality is so out-of-control, the curve so steep, that the highest IQ people have an annual earnings advantage in the dollar range of what the super-rich collect in mere seconds.

The billionaires would need to have 5- and 6-digit IQ scores for the correlation to hold up. Bill Gates does seem pretty smart, but not that smart. Jeff Bezos seems slightly above average. Maybe. Elon Musk has an IQ above room temperature, for sure, but clearly not by that much.

So, given that wealth inequality is so stratospherically high, I read these memes as complaints about the super-rich, not your cousin who owns a large plumbing contractor business.