Dear Dave: My husband and I have already started putting money aside for Christmas. What are some good ideas for making sure they learn age-appropriate lessons about giving at that age? And I love the way you’re thinking. But too often, we get so caught up in shopping and buying a bunch of stuff that we don’t take the time to demonstrate giving to our children. If your kids see you showing a giving spirit, that’s a great first step!— DaveDave Ramsey is a personal finance expert and host of The Ramsey Show.