My brother in Christ, im sorry to inform you but the upcoming fiscal crisis are gonna be some of the least of your kids worries. I'm still probably closer in age to you rather than them, but i grew up knowing that money is gonna mean jack shit once the water starts boiling (metaphorically, but hyperbolically realistic). We're the frogs in the pot and the economy is gonna be the least of our troubles. We're seeing a global rise in fascism, climate disasters, war, inequity, and yes financial instability. If you wanna help your kids, get involved in the community and organize. Start unions at your work places and march in protests for a better future. I'm not talking about a stronger or more fashy future, but one where we work together. Join or make mutual aid networks where you live. The best thing you can do for your children (imo, coming from a young person) is help set up the future you want for them. I would hope that's one of community and mutual aid where we help each other not because we expect a reward or are paid to, but because together we stand taller and can hoist up those who cannot stand on their own. I hope i don't sound too preachy, but it sounds like you love your kids so I implore you to get involved further. The future did not look kind to me when I was a child, and it looks even less hospitable now. We can change that. Direct action and mutual aid are the way forward to a better future imo.