Bought a plain jane CJ-7 back in '85. Was married, but no kids yet. Was in the process of building it and had it pretty close to where I wanted it at the time. But then, there is always more to do that would be "nice."
Then we started having kids. When the 3rd one came in 1995, that was it. The CJ had to go. They wouldn't all fit.
Flash forward to 2007 (12 years without my Jeep!). Now have 4 kids, scattered over a 10 yr. span, and I see the new 4 DOOR Wranglers. Sweet. Go down to the dealer and check one out. Crap! They'll only seat five.
Flash forward again to 2012 (5 MORE years without my Jeep!). 2 of the 4 kids are away at college, on scholarships, etc. Am now making MUCH more money than I was back in the late '80s (like 4 times!). Boom! 2012 JKU Rubicon. And I've been setting priorities
Two cliches will help you out here: 1) It's never done, and 2) J
ocket. Some people put a lot of money into boats, or other kinds of toys (motorcycles, quads, personal water craft, etc.) Some people spend on entertainment of various descriptions. Others take expensive vacations. It's really all about priorities . . .
. . . and timing. Hard to hear when you really want to forge ahead with the dream build, but maybe it's just not your time yet. If you just can't fit it into your budget, be patient until you can. Don't jeopardize your family and relationships just for the sake of the satisfaction of that next piece on your Jeep. Trust me, that thrill will go away . . . quickly, and it will be on to the next thing. It's an addiction. And most addicts destroy their families. Don't do it.
Oh, and do the work yourself. If you don't know how, learn. And if you have friends, or can make some friends, or join a 4x4 club to help, so much the better. Remember, friends don't let friends pay labor charges.
If you don't have facilities or tools, maybe some of them will. And in many places there are businesses now where you can rent space and tools by the hour or by the day to do weekend projects.
EDIT: Also, don't know how old your 3 kids are, but if you have 3 in diapers, WAIT. Just wait. Three kids in diapers will make you wonder how you're going to eat, much less build a Jeep. Fortunately, they WILL get past that. But in the mean time, you're going to wish you had an oil well.