You're absolutely right, at least in my opinion. I think I put too much emphasis on money as well. Because money is what pays the bills and keeps food on the table, it seems to be too much of the focus of life. "If I only had more money" then I wouldn't need to _____. Right? Except once the money comes, if you don't already have in place your plans, passions, and habits of using wisely using money, it can frustrate you.
I'm working on smelling the roses, or at least appreciating the moments. It sounds like you are too!