I dont see it like that. It is not an IQ issue. It is where you are coming from.

It is like 2 persons with different level of swimming skills discussing how to cross a deep and wide river. It is obvious to the strong swimmer that to cross the river, you swim across.

But to the weak swimmer, he cannot see himself swimming across it.

When asked how to cross the river, it is not wrong (and not IQ issue) for the strong swimmer to suggest swimming across the river.

For the guy who has seen his savings increase with his pay, it is thus obvious you need to earn more to save more.