Since it's not spelled out in the article, what is a better mental model for how the world works?
But I will suggest these two ideas as a rebuttal for some things I see as common errors in thinking:
A college degree doesn't guarantee a real career with a good income and financial security.
Being "good with money" can help a whole lot, but only if you first have some money. It fixes nothing if there is no money to work with or if the money you have is wholly inadequate.