Actually, the ability to "manage your money" provides you all those things Dee!
Personally, I am indebted to my mom for teaching me how to manage my personal finances, which begins and ends with living "below your means" and never trying to "keep up with the jones".
As a family of 5 with a wife who made the sacrifice to stay at home to raise our kids (very personal decision; please, I'm not judging anyone!!!), we made many sacrifices during those early years. Limited vacations, used cars, waiting for sales, deferred desires, etc.
The way I look at it, we sacrificed a good many things during our late 20's, 30's and even into our 40's.
But, as we both approach our 50's, we find ourselves rather rewarded with a financial "soundness" and true freedom without feeling like a prisoner to our jobs