Agreed CD, since the discussion is currently about chicas, money and ignorance I wondered what CiaoCiao was basing his statement on. Not to bash chicas or make generalizations but my experience is similar to most above and I'd consider maybe 5% - 10% (I'm being generous here) of them "bright" when it comes to handling money, planning for the future and knowledge of much outside SJO. Now if by bright he is referring to gulch-smarts and how to lie, having an email account to string along 4 or 5 gringos at once, coming up with creative RFM's, ability to hustle and make a lot of dinero using that sexy bod and pretty smile- then I understand.
Another thing to keep in mind is that most are young, inexperienced and uneducated in much else, hell I was ignorant about money and life in my 20's also. I don't think they are much different than many young women in our country, most lower class people are ignorant about money and matters outside the trailer park or their immediate environment, even middle-class college age gringas- have you tried to have an intellegent conversation with any of them lately?

CR women do not have the market cornered on ignorance, that's for sure. I've met plenty of women in the states that shocked me with their stupidity. It is interesting Chitrekker and many others have posted that chica parents seem to teach them very little besides survival skills and religion. Anyway just like in the U.S. I believe education, hard work and saving are key, do a chica a favor and try to explain that to her- and good luck. They've been conditioned to live for the moment and get what they want by using what's between their legs and that's much easier than studying, hard work or planning for the future.