I worry about my kids housing/shelter prospects for the the future as much as college . How about a double whammy , an expensive investment of time and money into college and then poor job prospects, leading to very limited choices on where to live?

Sometimes, I think if it is a matter of having to choose between helping them with college or housing, the more prudent choice is housing. Having established shelter with low carrying costs early on could be more valuable. There are more avenues for accessing college than for accessing housing.

This doesn’t really apply to me because I had zero support, but generally speaking our parents generation didn’t have to worry about job prospects or housing variables to near the degree. I think it would be wise to consider making adjustments.