In Hindu religion, we have a concept of 4 stages of life ,so called ASHRAMS. The life is divided in to 4 stages or segments where we are suppose to do certain Duties or function in certain stages. The 1st one is BRAHMACHARY - celibacy and do the study and get education .The second is GRUHASTHASHRAM -Having a family life and get married and have children and have a family. In the next one or 3rd one which is called VANAPRASTHASRAM. In this stage one needs to start disowning everything .and so one must 'give up ' everything . The next one is SANYAS ASHRAM In this stage of life one leaves EVERYTHING AND DEVOTES LIFE for God worship or meditating to achieve MOKSHA.
So the question is why one has to GIVE UP EVERYTHING to do mediation or achieve MAKSHA ?Why can one live with family , have a home , car , bank account etc. and still do the mediation. We see the same thing . When we see sages or SWAMIES ,they don't own anything and even when they change from householder's life to one of SANYASI - they change the name . In fact the ceremony that is done is 2 folds . One is to perform 'LAST RIGHTS'-So called SHRADHA and then naming ceremony. The idea is to start new life and have no connection with even the PREVIOUS LIFE. When we have family and possessions, we have Attachments and that not only binds us but also disturbs our n=mind. When one meditates , one is asked to do it at 4 am when environment is quite - for today less traffic noise, TV , radio etc. are off and since every one is sleeping , the noise is less . We chant SHANTI for 3 times - is for the same reason - no disturbance from external and internal disturbance and also from our past karmas - that is 3 things. If we try to meditate, with the family and all the possessions , our mind will be disturbed by thinking about our car - home - our children and grand children , duties as householder and we cannot concentrate at the time of meditation.
So one has to have detachment from everything and I mean everything and that is why all the Swamies are not married , have family or own anything.