How to juggle between the need for Prosperity and Desires for a Samsaric mind?

I completely understand the second noble truth which says > origin of dukkha, which arises or "comes together" with taṇhā > ("craving, desire or attachment") in plain English, > Desire is the cause of Sorrow. But if one has not renounced and not living as a monk one has needs to maintain the Samsaric existence. As a layperson, you need money for thousands of things, pay the bills, get the wood for the fire to cook, pay for children's education, etc etc. Now I understand that core desire like, "I want more money" will lead to suffering, but you need an intention to become prosperous as time passes, i.e. grow in the samsaric world along with a spiritual goal towards Nirvana. How can one grow without harboring desires? I understand that, the thoughts like, "I want a Ferrari" is a blatant desire, but I do want a decent car to drive few miles to my work. How is this basic necessity dealt with without desiring? How is this situation dealt with in the bounds of Dhamma? I am not talking about attachments to already possessed things, but working towards a prosperous living. After all, Nirvana or not, nobody wants to live in adversity.