in all honesty, financial literacy starts at home. Thats where kids learn it.
I have to continually remind my girls that it took dad 20 years to get to THIS point, just so happens that you two are living here " at this point" - it wont be like this for you starting out. Oldest is pretty frugal and cognizant. Work ethic is a lil low for me, but we continue to work on that - case in point- FOMO -- she had to work Sunday and we had planned to run across lake. She got all sorts of pouty because we were going and she had to work. Once again, explained to her that this is life. Start experiencing now so that when your friends are trekking off to Red Rocks, and you cant take off work, you simply say " well it is what it is" and dont fret over it.
ITs tough as you want your kids to have what you didnt. So tough. But you have to balance that with reality which makes it even tougher.