Have you checked your attitude towards money lately? What is "your dream"? bigger home, a bigger car, private schools, branded drink, gold?...
Money for for things that are important in life: you family, your people, health, well being, ... Do not be afraid to spend the money on your people when they really need it, but be wary of spending it on stupid things and if you think your car and your clothes are important, you may want to start thinking if you have any significant goal in life and where does it get you in the next 10 years.
your post is part of the financial advice as well I think. using money only as needed and according to needs is better, if with lots of money and according to desires it is very dangerous in my opinion. better use the money you have as best as possible for the needs of us and our families.