The answer to that depends on what is wrong with the mental models of the individual in question.
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.
> Being "good with money" [...] fixes nothing if there is no money to work with
To expand upon that accurate point: Having little to no money can hone your money skills to a razor's edge, because staying on that edge is how you eat.
Money skills for survival and money skills for wealth accruement are completely and utterly different skill sets.
If you grow up with money and half decent parents, you learn the latter. Slowly, perhaps even imperceptively so: it probably starts young, opening a bank account, learning how to navigate the basics of the financial world. If you're middle class, you learn about investing and dealing with brokerage accounts. If you're rich, you learn how to deal with the people that handle that for you.
On the other hand, if you grow up without money, you don't learn those things. If your household is living paycheck to paycheck, you probably experience the basics of banking, but your exposure to the world of capital is greatly limited. If your family's struggling to put food on the table, then there's a solid chance you don't even get that. 22% of households in the US are unbanked. There's a reason why check-cashing services exist.
Beyond the simple knowledge gap, there's habits and thought-processes that get ingrained. It all culminates into a system that very effectively stifles class mobility.
That's completely accurate at that macro scale. At a smaller scale of paying bills and product selection, I know trust fund adults who can save thousands using tricks poor people know; don't spend money / pay bills until it's necessary, use credit cards to defer interest, avoid pushy extras/upgrades/insurance, buy during sales, buy resellable brands, sell your phone instead of trading it in, check for new deals annually, etc.
Because of the macro skills you mentioned, they don't need to do those things. But they also don't know how to.
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.