"smart" in terms of navigating society and understanding where value is. What things are worth learning vs not learning, what kinds of skills are worth taking risks for etc. "smart" in terms of just having a degree and believing that being credentialed = intelligence is completely orthogonal to the point I intended.
A stupid person will fall for get rich quick schemes. A stupid person will believe grinding it out at a job they hate will eventually lead to something better. A stupid person will lack the will to try hard enough to better themselves.