Great piece, you are improving your kids chances for a decent life by teaching them these lessons early. Even more importantly you are showing them the depth of your commitment to getting ready for whats coming.
It takes real moral courage to look into the future and change your life based on what you see. Most people do not have that level of belief in themselves. They will cling to what they have until it becomes untenable. They live in fear or denial because they don't have the courage to change.
Mary McCarthy recently wrote a good piece on just this topic,
We All Need The Courage of the Uber Driver
Or why we don’t want to face what scares us about the climate crisis.
I truly admire what you are doing. I hope your words inspire others. More than anyone else you seem to grasp what I have been spelling out in my recent articles. You get it.
We are out of time.