Good to remember, when you are having a bad day would you want someone to make it WORSE? Kids don't always know how to say what is bothering them. Be their savior NOT their problem or antagonist. They will value you for it.
Cool idea! Once a month for their lives, put $10 in a photo album for your kids....around $2000 by the time they graduate/turn 18. what a wonderful gift to start out their "new lives"! maybe wait until they get married??