In a VHCOL area, $100k with one child is extremely tough/you're likely dipping into savings. Our daycare alone is over $40k/yr per kid, and only $5k ($7500 next year) is fully tax exempt.
Median 2 bedroom in my area is over $50k/yr.
$100k doesn't cut it. "Just move to a cheaper area" is IMHO not a proper response to this---anyone who works in my city should be able to afford to raise a family here, with a high quality of life/standard of living, but that's not really the case.
Maybe not a service in the typical sense, but setting up your router+server to route your home network traffic through a VPN is a fun project.
My router (MikroTik) supports WireGuard, so I can use it with Mullvad for the whole house---but wg is demanding and it's a slow router, so while it can NAT at ~1Gbps, it can't do WireGuard at more than ~90Mbps. So, I set up WireGuard/Mullvad on a little SBC with a fast processor, and have my router use that instead. Using policy based routing and/or mangling, I can have different VLANs/subnets/individual hosts selectively routed through the VPN.
It's a fun exercise, not sure I implemented it in a smart way, but it works :)