There will be plenty of time to put it back before your kids need it. We had to do it over the Christmas holiday break. We drained all of our savings and DD's too because DH had no work coming in. For five weeks we had no income and somehow we needed to survive. It feels terrible, I know. But you do what you need to do. We will put it back in DD's account slowly but we will do it, even if it's $5 each week. Hang in there. You're doing a wonderful job getting going in your new beginning