Yes,without money,it is difficult to run the life. But more money is not the solution rather identifying the priority is more important.
How do you plan your financial matter?

By spending what I earn.
Not a penny less, not a penny more.

I ain't a wealthy guy financially. But, still life is good. If I have food on my plate and a roof over my head, I am healthy and I am loved.....it would seem greedy to ask for more than that.

Money comes and goes...like all things.

By making sure wat i bring in, and wat i spend are balanced.. and by finding joy in the simple things in life, not the material things.

Money, like bathroom tissue, is only paper.

Not having it can make life rough.

Have too much and you just end up looking for closet space.

I have one rule, work my butt off and spend everything on having fun with my children until they have left home.
That way we have a whole bundle of fun memories and no matter what happens in their life no one can take that away.

make sound investments, save properly, spend wisely, never trust the government or "experts" who clearly have no clue what they're talking about.

O.K, we should spread our leg according to our 'bed-sheet'. But what about saving for rainy season.You will need money for the education of your children, for your old age etc and even to maintain your present status of life you would require more than what you need today(the inflation factor). It will be wise to keep a few percent of your earnings for future.But question is how much? It will be unwise to save forgetting the present, at the same time future should be kept in mind.

Personally, I spend almost all the money I earn. My savings are just enough for the near future. That's because I spend on something (lots, houses, stocks) which can be easily converted into cash when the need arises. I do away with spending money based on the status of my life because I know I would fail on that. Always try to spend a little less than my current status, if you know what I mean. No particular percentage of savings vs. earnings though.

If something happened I would work on it then, education is pretty basic stuff, and doesnt require me saving for it, if any want to go to uni when they leave highschool they can, but that is still 3 years before the eldest finishes high school so we will look at it then and he only wants to be a federal policeman so he will just head striaght to there thingy and theres only one he can go to so its not ike its an issue. Nope for me we are living now I still have 4 kiddies at home and time is running out before they ar grown up and gone, 2 already have grown up. . And I could be dead tomorrow.