Eligibility for a temple recommend is not based on financial worth. That has nothing whatever to do with it. It is based on consistent personal behavior, on the goodness of one's life. It is not concerned with money matters, but rather with things of eternity.
When all is said and done, the greatest satisfaction you'll have in this life as you grow old will be seeing your children grow in righteousness and faith and goodness as citizens of the society of which they are a part.
The greatness of the world in which we live is the accumulated goodness of many small and seemingly inconsequential acts.