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I was in a local coffee shop earlier this week reading an e-book on my iPad Pro (how millennial of me). It was one that I had read several times before and one that I love to re-read at least once per year because of it's timeless principles. In my mind, I assume that most people are similar to myself and treat self-development as an essential part of life, especially when it comes to money. I caught myself a few times smirking at my book, something I do when the author is making great points (yes, I know I'm a nerd).

As I was deeply focused on my reading, a group of millennials in their mid-twenties became a distraction to me as they sat over to my left. I glanced over to find that I was making direct eye contact with one of them. By how loud and obnoxious his voice was I could tell that he was the leader of the pack.

As I turned my head back to my book, he exclaimed, "What are you reading? It looks like you are having fun reading it because you keep laughing!" I turned...