I'm thinking of adding stipulations to how I'd pay for my children's colleges
Why do you need to add stipulations to your kid's college fund?
To prevent an argument with the wife.
Children should be able to survive on their own at one point in their life, but if you have promised to help them with their college tuition fund, then you should fulfill that promise and not break it.
God damn it. Kids bite f***ing ass. I'll make sure I'll take back every bit of money they ever had from me.
You shouldn't think of your children as a burden. Love them and support them in their future. Don't you want your kids to be educated and well off when you aren't around to assist them?