Joe has intellect just around things he's interested in. Very wide range of intellect I would say. He is not intersted in money and investments just wants enough to not have to think about it.

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Maybe intellect is the wrong word here. I’m looking more for intelligence / smarts.

He’s very interested in things and very INSTINCTually accurate - but that’s difference from being cerebrally intelligent

He's not smart enough to understand bitcoin is what you're saying and I'm here for it.

He will eventually though.