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When I shared personal finance lessons with a kindergarten class recently, the students had one question I wasn’t prepared to answer: How should they fit donating money to others into their financial plans?

I had been so focused on explaining the basics of budgeting that I overlooked this central question about how we can help others, especially as the holidays approach.

It turns out deciding how much of our budget to allocate to giving isn’t always straightforward. Charity varies widely by person and income levels.

“Some clients a

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