Money, Money, Money

I am a young twenty-something. I'm married, have two kids and consider myself to have a pretty descent job.
All that being said, I still have a heck-of-a lot to learn about money - Like, how to actually make it!!
I've met with 3 different financial representatives that have told me that saving is easy. Simply put 'X' amount into a separate account each month and you'll have 'X' amount saved over 'X' amount of years to hopefully retire on. Although this sounds like a reasonably easy and attainable concept, I have to wonder if these people have kids?

My husband and I definitely didn't take the easy route with trying to make a living. Although we both have jobs (my husband actually has had 3 jobs at one time over the past year!) and we manage to make ends meet, that's about all we can afford to do - make ends meet....

Certainly wish money grew on trees sometimes.