Well, being smart has never helped me get rich, that's for sure.
But then again, I've never had much interest in, or ambition for, getting rich. "Basically comfortable" does nicely for me.
Would I want to be a dumb schmuck with money? Would I even know the difference? Beats me...
It's a hard decision even limiting it to an absolute choice.
But there is one thing that might influence your decsion.
How many dumb folks do you know that don't realize that they are dumb? ;>
OTOH, smart folks tend to worry about the problems that go with being smart
Here is a great book about that: The curse of the High IQ