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.
it sounds very easy to manage finances but it is not easy to apply it in life, very often you lose control when you have a lot of money by buying things that are not important.
sometimes we realize when we have made a mistake in managing money and will return to do it again in the future with the same regret ending, that is very difficult for my life and cannot be denied so I have to use the services of people closest to me to be able to manage it all.
a person's attitude will change when he has a lot of money, many people are like that including myself, that is the wrong thing and will result in a breakdown in money management.
thinking about the future is important but even more important is spending money on important things as you mentioned to meet the needs of families who need our help, money will not be taken with us when we die so use it for useful things.