Kaj_Sotala comments on Things I Wish They'd Taught Me When I Was Younger: Why Money Is Awesome - Less Wrong
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IQ as often measured is made up of both fluid and crystallized intelligence, and you can certainly raise your crystallized intelligence. (I find learning pretty much anything to be easier now than I found it ten years back, probably due to me now having more background knowledge to draw on and connect things with.) It's the fluid part that's the problem.
Having a highly developed work ethic works too for older people.
Yes, but that's not interesting. What's interesting is whether developing a work ethic works for older people, i.e. whether you can raise conscientiousness. And that's a completely different issue.