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.
Carrying about the kids is more important here and money is what we need to pay all there bills and give them a better life. As a adult there is so many things to use money for that would give us a relaxed and comfortable free feelings of making life easier for the children.
There are some basic things we need to prefer that may seems unneeded to us that would need us to make sure we plan well for it. We need to get a good job or create a good business that is yielding good income for us to prepare for the kind of life we are looking for.