The point is, now is the right time to start the kids collecting, because the quarters are out there, waiting to be snatched up and thumbed into the holes. You could give the kids their allowance in quarters, and if they put the quarters into their folder instead of a video machine, you will have instilled in them the value of collecting and the lesson of saving. You and your kids might find that after a few weeks, all of the holes can be filled. But if after a few weeks you and your kids lose interest, just pop the coins out of the folder and spend them. Never use a thumb to push an uncirculated or proof coin into an album as you'll hurt the coin's value with your finger print.
Coin collecting is habit forming.
And now, I'm checking my quarters every day for that elusive 1981 from Philadelphia. And yes, for the first time in decades, my thumb is hurting again, too.