Berkshire Hathaway Vice-Chairman Charlie Munger:

It is remarkable how much long-term advantage people like us have gotten by trying to be consistently not stupid, instead of trying to be very intelligent.”

From the article I got that quote from:

I know a few very smart and talented individuals whose lives are in utter shambles despite their gifts. And it’s because they keep making stupid and avoidable mistakes. They consistently add wholly unnecessary downside to their lives.

If they had done nothing really positive, but had simply avoided the DUIs, the drug arrests, the out-of-wedlock births, the affairs, and the consumer debt, their lives would have been vastly superior to the ones they have now.

Let that sink in: doing nothing would have given these people a better life than they have now.

So so much of what I read and people I meet fall in to the trap of trying to out-smart others.  Just avoid the stupid stuff.