Why not just explain to your children (yes, if they have such demands they are still children), what ever they get from you, they will be expected to give to each and every one of their own children?!!
You’ll never see them be so anxious to get a real shtella or job and never ask for a penny again.
Many of us, don’t own homes. While homes are great investments, there will always be more and more costs (broken roof, leaking pipes) and taxes will forever be going up. Purchasing a home to rent out may be a good long term investment, but for living it may be cheaper to rent in the long run (unless the home is the only yerusha you are leaving for your kids).