There are a ton of options for college money. Namely scholarships...merit and athletic. Many young people qualify if they are industrious students or wicked awesome in sports. Hence, your parental guidance will be critical in that you drive home the importance of good education to your kids.
For you, I would focus on the immediate needs: roof over your heads and food on the table. When things are a bit more stable and you get bigger pay, then you'll be able to squirrel money for your kids' education & retirement.
