Terrell Owens' Money Men -- T.O.'s a Stupid Money Guy

Terrell Owens has no one to blame but himself for losing a fortune ... so says his financial guy.

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.

Rubin is now firing back ... claiming T.O. was fully aware of everything ... and down with it all. Rubin thinks Terrell is a cry baby who just can't accept the fact that sometimes investments go South.

In a final scold, Rubin snarks ... T.O. was asleep at the wheel by not taking the time to understand what he was getting into and the risks he was taking.