A financially savvy person to me means someone who is knowledgeable (not necessarily in all money matters) and in control of his finances. To be financially savvy means having to accomplish a certain set of financial goals and activities.
Moving at a tortoise pace to reach your financial goals is OK as long as you are achieving your objectives.
Money management consists of many aspects such as financial planning, building wealth, budget planning, etc. Which part is the hardest for you?
Do you have a budget planner? If yes, do you find it useful? If not, why don't you?