Ah, Oblomov (brill name, btw!) money, money makes the world go round....
Personally, I love money... I used to work as a fundraiser for children with disabilities and I love what money can do, both for the world and large and for us, personally, as a family!
Our money boils down as follows (all is in US dollars, mind):
DH (sole earner at mo, as I am SAHM to two DC) earns $160K salary. With bonus and stock options that we sell annually, our annual family income ends up at circa $300K p.a. So, as a family, we make a lot of cash.
HOWEVER, we do NOT spend (on day to day expenses, which for us excludes holidays - mostly air fare to UK from US) more than we make. We have a big mortgage that, including property taxes and home owner's insurance, eats up half DH's take home pay a month. On average, though, we still save $500 to $1,000 a month.
Unusually (for our income bracket), we don't spend anything on designer anything/gadgetry or expensive cars. In fact, I don't even own a watch, we always buy second-hand cars, our one TV is DH's from graduate school over a decade ago, blah blah blah. We are seriously saving up to buy a big house (circa £1mil to £1.5 mil) that we plan to afford in ten years.
From our own savings, we know we will be able to retire early, and save enough for the DCs uni education.
From inheritances, we hope to be cash-rich enough to give away $1mil in our lifetimes. This goal, however, is secondary to securing our own financial wellbeing! It remains, however, a serious goal - like most people, we are putting our family's security first, though.
Does this answer your questions?
(So pleased this is only the internet - can never, ever in a million years have this sort of honest conversation in real life - money is so verboten a conversational topic, isn't it?)