I'm very bad with money. I never look at my account balance when I spend money. Heck, often months pass without me looking at my account at all. When I end up seeing the balance it is always much higher than I expected.

What am I missing? Oh right, I earn more than the average person in my country and I'm so busy I don't even have time to spend the money.

Earning more money than average and spending less money than average is typically considered being “good” with money. Not the best if you are not investing it to keep up with inflation, but most people do not get past the “earning more money” requirement of being good with money.

> armchair poverty quarterbacks

HA! I'm picturing the kid that owned the football and would threaten to take it home if he didn't get to be quarterback :)