terrell owens*Terrell Owens’ ex-money men are straight up saying the former NFL wide receiver is basically dumber than bag of rocks.

According to TMZ, Owens has sued Jeff Rubin, Edward Rappaport and Pro Sports Financial, claiming they grossly mismanaged his stash … opening a bank account without his knowledge and then forging his signature, and leading him to really bad investments, including a failed Alabama casino.

And now Rubin is now firing back. He claims T.O. went into each situation with his eyes open. Rubin thinks Owens should man up and shut up  and just accept the fact that he’s b-r-o-k-e.

Rubin goes in for the kill by saying that T.O. should’ve taken the time to understand what he was getting into and the risks he was taking.

Poor T.O. … literally and figuratively.