I recommend that you don't help kids and grandkids with financial situations, other than giving them the guidance they need to make better decisions.
I grew up in a financially privileged household, however my parents and my husband's parents have NEVER given us money, even when we happened upon hard times. We had to learn by struggling some, how to make better financial decisions and to work hard for what we have. It would be so much easier if parents just handed us money, but then there are no life lessons learned and people typically just end up in the same situation again eventually, particularly if they know someone will bail them out.
So keep your money, but love your kids and grandkids. They need to learn how to work hard and make better decisions.