What are the true incremental costs of the kids going to college, given that is on your mind and fast approaching? Assuming they can live at home or commute given home value.
Add college fees (2k each for 2024), transport to college (EUR 2 return a day in the Dublin area), books/lab supplies, maybe new IT devices.
Subtract transport to school (do you have a second car for this purpose that could be done without, is the 10yo able to get to and from school by walking/cycling?), school fees?, uniforms, any grind/ Irish college fees, any classes or hobbies that they won't continue once school finishes
Assume kids can now cover the cost of their increased socialising (an important part of the college experience ) by earning it if their course load allows for a part time job - including full time work during the summers and any holiday periods where they don't need to study. Or have them take on jobs that you are currently outsourcing and paying for to contribute in kind eg gardening, cleaning etc How aware are the teens of your financial situation? It might take time to socialise the idea that they need to contribute in this way if they haven't before. Dress it up as a life lesson if you would prefer not to share the ins and outs of your finances. Show them their projected college years budget and ask them to problem solve for how it will be financed.