Contentment

I've been wresting with this issue for the past few years...actually probably all my life.  What is contentment?  What does it mean to be content?  Is there a certain level where we should all be content?  Is there a different level of contentment from person to person?  (This discussion is specifically about finances.)

Let's start in the bible.  Philippians 4:11-12, "I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want."

Paul clearly was content.  Despite being shipwrecked multiple times, beaten, whipped, starving, on the run, cold, imprisoned, etc., he was content (1 Corinthians 11:23-28 for Paul's struggles).  He had God, he lived for God, and that's all that mattered.

Now in the 21st century, is the same?  Can we be that content through all circumstances?

Let me elabourate a bit.  If you make enough money to pay your bills, put food on the table, and stay out of debt (with wise budgeting and spending), but you can't afford to put your kids in swimming/skating/music lessons, you can't afford to go on vacation, and there are no extra frills in life...should you be content in the fact that your bills are paid and "that's good enough"?  Is it okay to want more money to do the things mentioned above?

What about if you can't even pay your bills?  The point where you are relying on God to meet your daily needs, and help you pay your bills at the end of the month?  Is it okay to want more then?  Or should you rest in the fact that God is providing for you and "that's good enough"?

Then there's the other end of the spectrum - you make enough money to pay your bills, and then some.  You can take a vacation each year, put your kids in sports, fix up your car, go out to dinner once in a while, etc...  Is that contentment?

There are missionaries who have nothing and yet are the happiest people you'll ever meet.  And there are wealthy individuals who have everything, and yet have nothing.

I know that the answer is God.  We find our contentment in God and not in worldly things.  Yes, thank you.  Good Sunday School answer...that is annoying but true haha.  But I guess the question comes down to this - when is it okay to want things?  If someone is in one of the first two scenarios, is it wrong to want more money so that you can live a little bit more comfortably, or so that you can give good things to your kids?  I can't imagine that there's anything wrong with that.  And yet by wanting more, does that mean that we're not thankful for what God has already given us, and not trusting Him for the rest?

I don't know.  I see both sides.  What I do know is that we should be content in all circumstances.  The 'want' part is where I'm confused.  Any help is welcome.