If this lifestyle works for you, then good for you.
Try raising children that way.
There is nothing wrong with wanting to live a comfortable life; the vast majority of humans forever have wanted this.
In the USA we have a problem with cost of living, but at the end of the day the reason for this is almost always misguided government intervention.
For example, in the housing market, many cities have made it prohibitively expensive to build high density housing (which is what is needed when you have high population density).
If you wanted to make medical care unaffordable then you’d design a system like the US system, with artificial limits everywhere on increasing supply, and (well I am well off topic but could go on forever on this).
I can completely sympathize with young people today who look at the ridiculous cost of living today and come to the (incorrect) conclusion that the problem is consumerism.
But it’s not. It’s a century of well-intentioned but ultimately harmful government policies.