Her gullibility is not representative of intelligent Singaporeans - anonymous reader.The criticisms in response to my previous article reflected how shallow and ignorant most Singaporeans are when it comes to  issues on money management. Make no mistake, it is perfectly okay to have different views on money but I expect more substance from my readers when they comment in my blog. After all, I have been promoting best practices on money management for several years already. So I am disappointed and at the same time, surprised that many Singaporeans choose to indulge in self-glorification and refuse to accept the hard truth that we are not genetically engineered to be financially smart. Singaporeans forgotten the fact that the majority of our Chinese forefathers hailed from one of the provinces of China, Fujian. Our ancestors were mostly uneducated farmers and hence, most of us are endowed with intelligence lower than Hong ...