Cutting costs vs. Raising income

My wife and I were driving back from visiting relatives on Sunday, and with nothing else to do, we talked about what we want in the next ten years. Here's the abbreviated list:

• House of our dreams, preferably in Pennsylvania (we love all those trees)
• "New" car
• Pickup truck
• At least 2 kids
• Successful business
• Baby grand piano
• Get stationed in Japan for the Navy
• Dog
• Cat

I came to a realization while we were talking: all of this stuff costs money, lots of money. Also, there's only so much we can do in the expense-cutting department to make our dreams come true. At some point, expenses are cut to the bone, and life becomes a drag.

Sometime before that point we've got to start making more money. I'm a Navy man and a student, and my wife is a substitute teacher. Maximum income for us is about $3,000 per month, and while that's funding our retirement, it just doesn't cut it as far as making our dreams come true. To be blunt, I want things that I can't currently afford. Since I refuse to go into further debt to finance our dreams, we've got to make more money.

To that end, I am going on a savings spree, starting with my birthday money. I got $90 in birthday cash, and it's going into the pile, with a goal of $300. The saved money is going to be used as seed money for a moneymaking website. We'll see just how far this ride can go.