問題は我々が十分なお金を持っていないことだ。

。

The problem is that we don't have enough money.

Literal

Problem [topic-は] we [subj-が] sufficient money [obj-を] not-having thing [copula-だ].

我々 is a formal first-person plural, more bookish than 私たち. 十分な is a na-adjective meaning 'sufficient, enough.' 持っていない is the negative of ~ている — 'do not have in one's possession.'