The Washington Post article referenced this working paper “Genes, Education, and Labor Market Outcomes: Evidence from the Health and Retirement Study” https://www.nber.org/papers/w25114
Definitely gifted. When gifted, you have a much better chance of cultivating wealth than when not Also, when you create your own wealth there is a certain fulfillment you will never get from an inheritance.
I would choose the same, but I know very gifted people that simply aren't economically successful. They aren't poor by any standards, but after a critical line it seems that inheritance or chance plays a larger role.
At some point intelligence can even be a hindrance for career. People will notice and quite a few wouldn't approve of someone with more capacity than themselves.
And a recent tweet https://twitter.com/jpazvd/status/1628429415364325376