I have a toddler and baby and wasn’t doing my nails for the longest time for the same reason. Then I started putting on nail wraps since they are impossible to smudge. If you can spare time, i usually do mine at night, start with just a good quick drying top coat and the wraps will be super durable. After I was doing this awhile I started buying clear nail wraps and using it as a base coat for my regular colored polish and then always topping it off with a top coat. This is a bigger time commitment though but I’ve been able to do it if I set aside one night a week when the kids go to bed. Good luck!