Personal finance journalism clickbait traffics in making the reader feel badly about their financial situation while offering a simple solution to fix it in the same breath.
Regardless of whether or not you consider yourself "bad" or "good" with money, there's always a better way to do what you're doing — a way to save money faster and to retire earlier so that you can unshackle yourself from the drudgery of work and get out there and start living.
It's easy to read these things and feel bad. But, let's take a closer look at this example, which is from 2015 and was brought to my attention via Twitter. Yes, it's two years old, but is still indicative of a larger trend. The desire to make more money, save more money and then stop working is evergreen.
This person is 25 and, as per the headline, is "better with money than people twice his age." Setting aside any assumptions about what being better with money than people twice his age means, it's easy to see why this person is able to do so well.
In 2014, his take-home pay was $4,837 a month, which works out to $58,044 a year — around $73,000 before taxes. That's a lot of money, especially for someone starting out in their career. With that understanding, the reason that 25-year old is better with money than people twice his age is because he's making good money!
According to this report from CNBC, the average salary in the U.S. in 2014 was just $44,569.20. When you're making way more than the average, it's easier to be "better with money" because you literally have more of it.