ВОТ, почему у УМНЫХ людей часто НЕТ денег! Умный НЕ значит богатый...

SUMMARY

Margulan Seissembai explores why intelligent people often lack financial success, contrasting their problem-solving habits with those of wealthy individuals who delegate effectively for faster progress.

STATEMENTS

Intelligent people frequently fail to achieve financial success despite their deep knowledge and high intellect, while those without exceptional intelligence often attain significant wealth.
The key difference lies in how people respond to obstacles: successful individuals focus on results and seek help, whereas intelligent ones dive into independent analysis.
Wealthy people possess high social adaptability and communication skills, enabling them to quickly find experts or delegate tasks to resolve issues efficiently.
When facing problems, successful people ask, "Who can help me?" rather than trying to solve everything themselves, preserving focus on their main goals.
Intelligent people view problems as intellectual challenges, leading them to spend excessive time studying and solving issues independently, often deriving pleasure from the process itself.
High IQ individuals tend to overthink and analyze problems thoroughly, which slows their progress toward goals, as shown in psychological research.
Ego and perfectionism in smart people act as barriers, preventing them from seeking help and pushing them to find "perfect" solutions instead of practical ones.
Trading, unlike production, requires ego control to buy low and sell high while serving customers, explaining why blessings (baraka) are associated with it in Islamic teachings.
To overcome limitations without funds for experts, use a three-step model: ask knowledgeable contacts, seek community advice, or request free expert input.
Success comes from lowering ego, delegating tasks, and building networks in professional communities to accelerate goal achievement.

IDEAS

Intelligence doesn't guarantee wealth because smart people treat every problem as a personal puzzle to solve alone, delaying real progress.
Successful individuals prioritize outcomes over ego, immediately seeking external help to bypass obstacles without losing momentum.
High-IQ people get a dopamine hit from solving problems themselves, turning potential roadblocks into time-consuming distractions from bigger goals.
Ego inflates with intelligence, making it harder for smart individuals to admit limits and ask for assistance, unlike less intelligent but adaptable wealthy people.
Perfectionism in intelligent minds leads to chasing "beautiful" solutions, wasting weeks or months that could be used advancing business or opportunities.
Trading inherently demands humility and ego management to negotiate deals and please buyers, fostering the mindset needed for sustained wealth.
Being in professional communities or networks is crucial for quick problem-solving, turning isolation into a key reason smart people stagnate.
Islamic wisdom highlights that baraka (blessings) flows through trade because it forces self-control, unlike passive production like factories or oil wells.
Over-reliance on natural smarts from school days creates a false confidence in adulthood, where real-world complexities demand collaboration over solo intellect.
Delegating isn't weakness but strategy: even without money for hires, starting conversations in one's circle can unlock faster resolutions than solo study.

INSIGHTS

True success hinges not on raw intelligence but on the humility to leverage others' expertise, transforming potential ego-driven stalls into accelerated paths to wealth.
The paradox of smart poverty reveals that intellectual pride often masquerades as strength, yet it isolates individuals from the collaborative networks that build fortunes.
Ego acts as an invisible tax on progress: the smarter one feels, the higher the cost in time and missed opportunities from refusing help.
Problem-solving pleasure can become a trap, where the joy of cracking a puzzle overshadows the greater reward of reaching life-altering goals.
Trading's emphasis on service and negotiation cultivates ego discipline, offering a blueprint for any field where unchecked self-importance derails achievement.
Building intentional communities counters the lone-genius myth, proving that shared knowledge ecosystems multiply individual efforts far beyond solitary analysis.

QUOTES

"Успешные люди имеют высокий уровень социальной адаптации и коммуникабельности что позволяет им быстро находить нужных людей для решения своих проблем."
"Для умного человека любая проблема - это интеллектуальный вызов они считают что раз они уж умны они могут самостоятельно разобраться с Любой задачей."
"Исследования например опубликованные в журнале показали что люди с высоким I часто склонны к переосмыслению и рати времени на тщательный анализ проблемы."
"Чем ниже вы будете держать своё эго тем больше вы будете его контролировать тем больших успехов вы добьётесь в жизни."
"В исламе есть такое высказывание что берека даётся торговле... торговля - это именно тот вид деятельности который требует чтобы человек контролировал своё эго."

HABITS

Focus intensely on end results, immediately seeking external help when obstacles arise to maintain momentum toward goals.
Delegate tasks to experts or experienced individuals rather than attempting solo solutions, even in areas outside one's expertise.
Build and engage in professional communities or networks to access quick advice and support for problem-solving.
Practice humility by asking for help from knowledgeable contacts, starting with personal circles before broader groups.
Control ego through activities like trading or negotiation, which require serving others and adapting to feedback without defensiveness.

FACTS

Professor Richard Wiseman from the University of Hertfordshire found that lucky and successful people are more open to interactions and delegation.
Research in journals indicates high-IQ individuals often overthink problems, spending excessive time on analysis that delays goal achievement.
Studies by Professor Barry Schwartz show that highly intelligent people are prone to perfectionism, complicating decisions and hindering forward movement.
Islamic teachings associate baraka (blessings) with trade because it demands ego control to buy low, sell high, and satisfy customers.
Successful people exhibit high social adaptability, enabling them to form connections that resolve issues faster than independent efforts.

REFERENCES

Telegram channel by Margulan Seissembai for self-development, lifehacks, business strategies, and community building.
Research by Professor Richard Wiseman on luck, success, and openness to social interactions.
Studies published in psychological journals on high-IQ overthinking and its impact on progress.
Work by Professor Barry Schwartz on perfectionism in intelligent individuals.
Islamic principles on baraka in trade and the rule "If you don't know, ask the knowledgeable."

HOW TO APPLY

Identify a current obstacle in your work or life, then immediately list three people in your network who have faced similar issues and reach out for their advice.
Join or form a professional community, such as a business club or online group, and post a specific problem to crowdsource solutions from members.
When tempted to research a problem solo, set a 10-minute timer to brainstorm "who" could help instead, then contact that person before diving into study.
Practice ego-lowering by negotiating a small deal, like buying or selling an item, focusing on customer satisfaction to build humility in interactions.
Review past problems where you overanalyzed; delegate one upcoming task to an expert or freelancer, tracking how it frees time for your main goals.

ONE-SENTENCE TAKEAWAY

Delegate problems to experts and control ego to turn intelligence into wealth.

RECOMMENDATIONS

Surround yourself with adaptable networks to bypass solo problem-solving pitfalls and accelerate success.
Embrace delegation as a strength, hiring or consulting specialists even for minor issues to stay goal-focused.
Cultivate humility through trading or service-oriented activities to tame ego and invite collaborative opportunities.
Avoid perfectionism by accepting "good enough" solutions that propel you forward rather than ideal ones that stall.
Regularly audit your ego by reflecting on times you refused help, then commit to asking for assistance in the next challenge.

MEMO

In a world that equates smarts with success, Margulan Seissembai, a self-made billionaire thinker and investor, uncovers a stark paradox: why do brilliant minds often end up broke while the less intellectually gifted amass fortunes? Drawing from years of observing human behavior, Seissembai argues that the culprit isn't a lack of brainpower but a misguided approach to obstacles. Intelligent people, he observes, treat every hurdle as a personal intellectual conquest, diving headfirst into analysis and emerging weeks later, exhausted but no closer to their goals. Meanwhile, the wealthy—often unremarkable in IQ—sidestep such traps by asking a simple question: "Who can fix this for me?"

Seissembai illustrates this with vivid contrasts from everyday life. Picture the savvy entrepreneur who, facing a technical glitch in his startup, hires a specialist on the spot, keeping his business humming. Contrast that with the brainy consultant who spends months poring over manuals and forums, chasing the "perfect" fix while competitors surge ahead. Backed by research, including Professor Richard Wiseman's studies on luck and social openness, Seissembai explains how high-IQ folks derive dopamine from problem-solving itself, turning progress into procrastination. Their egos, inflated by academic triumphs, whisper that seeking help is weakness, fostering isolation in a world where connections are currency.

Yet hope lies in actionable shifts. Seissembai advocates a three-tier strategy for those without deep pockets: tap personal contacts for wisdom, query professional communities for insights, or solicit free expert tips. He ties this to deeper wisdom, like Islamic teachings on trade's baraka—blessings born from ego-taming negotiations that prioritize service over pride. For the intelligent aspiring to wealth, the lesson is clear: lower your ego, delegate boldly, and watch obstacles become mere speed bumps on the road to flourishing.

Ultimately, Seissembai's message resonates as a call to reframe intelligence not as solitary genius but as a tool amplified by collaboration. In an era of complex challenges, from AI disruptions to economic flux, those who master delegation will not only survive but thrive, proving that true richness blooms from humility, not just horsepower in the brain.