Since Highstakesdb.com started keeping track of some of the biggest poker games online (since Jan 2007), OMGClayAiken aka JMAN aka Phil Galfond has won the most money (as of 2/14/09). He’s smarter than you. And has over $7M in online winnings to prove it.
He’s also got a new poker training site.
I don’t know about you but I wouldn’t mind picking up a tip or twenty from a guy like that to prevent me from going busto every few months. Sign up fees start at $99, and the monthly fees are like $25 or so.