When my twin grandsons turned 10, I began a Christmas tradition more meaningful than another set of Legos: spend, save, share. Beginning last year, I gave them each cash with instructions to spend part on themselves, save some to begin the habit of investing, and share a portion with an organization that was heartfelt.
After much research, they pooled their funds to brighten the lives of pediatric patients, taking an armful of gifts to the hospital. They contributed the remaining funds, supplemented by their savings, to the World Wildlife Fund. The spirit of giving hopefully will become a lifelong value.