On el capitan (and probably others) the best solution I found is to download the script here:

http://www.codium.co.nz/touch%5Fhere%5Fapp/

Then open a finder window, right click on the top bar > customize toolbar and put the script on your toolbar.

Now you have it in one click for all your finder windows, and it will prompt you what file name you want instead of just creating a dumb file name.

On el capitan (and probably others) the best solution I found is to download the script here:

http://www.codium.co.nz/touch%5Fhere%5Fapp/

Then open a finder window, right click on the top bar > customize toolbar and put the script on your toolbar.

Now you have it in one click for all your finder windows, and it will prompt you what file name you want instead of just creating a dumb file name.

UPDATE: I just made a repo for that, which exposes the source code: https://github.com/lingtalfi/newFileWithPrompt