Men more realistic? No, I don't think so. It's often women who manage the family budget, but also the administrative documents (I'm thinking, for example, of registering children for school, a sports club, etc.).
As soon as there are children, the notion of family changes (obviously) and budgetary responsibilities too. Women are realistic because when they are mothers, they want above all for their children to have enough to eat and good living conditions in general. They can give up past personal pleasures for their children (like buying clothes or other things). Perhaps women have more of a sense of sacrifice for their children.
In some countries, especially in Muslim-dominated areas, men play more responsibility than women. The men control the finances of the family because the wife's input is rarely considered.
But I would have to agree that women are more concerned about the welfare of their children than their husbands. It is common to see men spending lavishly outside the home without considering their family. But women would sacrifice all she has to give their children comfort.