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I don't have kids, but I'll do it this way:
  • Start buying on lightning every month, forget about multi sig for now.
  • Once the amount has reached a good value, you can move it for a hardware wallet or multi sig with your partner. So, you will receive one UTXO of a good size to use in the future. (But, multi sig is not for everyone!)
If the relationship does not work out, well, this funds is for the kid, not for the parents. If the relantionship disappear, you can offer 50% for each parent and then each one will do their best.