You're not bad with money. You were handed a system nobody explained and blamed for not being born already fluent.

The thought behind it

You are allowed. That is the entire argument, made without sentiment and without asking anyone else to agree. Money Mind reads a balance as evidence of decisions rather than as a score, which is the harder thing to look at. The line turns on “fluent” — remove that single word and what is left is advice you have already ignored.