In fact, 'Dumb Money' takes inspiration from actual incidents and characters, making it a true story to a considerable extent. However, some artistic liberties might have been taken for narrative purposes.
I have no definite answer. It could be a mix of real and fictional elements. Maybe check with reviews or the filmmakers' statements to get a clearer picture.
It could be about financial naivete or the actions of inexperienced investors. Maybe it tells the story of how ordinary people, who might be considered 'dumb money' in the financial world, make decisions that have real - life consequences in the context of investing.