Speaking of things you don't really need(this minute), but REALLY NEED in the long run...
Your child, your family, and even yourself are probably just FINE without taking any significant action. Compared to your neighbors etc there's probably no need for immediate alarm.
Or is there...?
We've all been schooled to accept a certain paradigm of life preparation. You and your children are probably doing things that your parents and grandparents couldn't and didn't.
Is that enough progress?
Will continuing on the path your on lead your children to excellent adult success?
Is your own life giving you all that you need now AND providing a strong example to your children for the future?
If you're not certain that you're doing enough, then you're not doing enough.