Yes you are right today some coin of an ICO is only worth a can day but when they reach their selling point and have big output then the price is now worth as a house, at the same week the price can become worth of a pancake, that's why traders have the best position and nice job to keep the coins value every moment to look for best time to buy and sell your coins, I think you can do this for your two kids future.
This is a very dangerous game you are thinking about. Never depend or even think about depending anyones future in crypto at least not yet. The governments couldnt accept the cact that everyone could be rich.. this year well experience heavy regulations towards every edge of our world. So just watch put and hold the money you are happy losing