I never made a claim about my financial literacy. It's not as low as you assume, though. I've started (and sold) several successful businesses, and am well-versed in investment activity.

It's more a case of everyone having different levels of things they are willing to tolerate. That mine is different from yours doesn't indicate that either of us is incompetent.

That said, if your goal is to be wealthy, investments are an important part of that. That doesn't happen to be my goal, though.