wealth and IQ

I was reading in the free paper the Metro the other day that some scientists had found that people with a higher than average IQ were no more or less likely to be in wealthy than people with average or below average IQs in the same circumstances.

What does that tell us about personal finance? Its not about the numbers, its about the psychology. It certainly doesn't take a genius to work out that if you spend less than you earn and invest the difference, you will become wealthy. I bet that most people know that but encounter difficulties in putting it into practice. Qualities like will power, discipline and determination aren't measured in an IQ test, but those are the ones that you need if you want to take the tortoise route to success.