Many traditions have been lost to the coronavirus pandemic this year, but my hope throughout the summer has been that Halloween might be spared.

   Since 2016 at my house, instead of “Trick or treat?” the question has been “Cash or Candy?”

   It’s become a fun, fabulous and favorite personal tradition, where I help neighborhood kids learn about money, decision-making and more. I have written about my efforts in the hope that more people will find their own way to participate, giving children food for thought rather than candy.

   So when the Center for Disease Control issued guidelines for safely celebrating Halloween and suggested that door-to-door trick-or-treating would be high risk, it was clear I had to change my plans but that changing traditions also creates opportunity.

   So this year, again, I’m encouraging you to try something like my system, which can be tweaked to meet CDC guidelines if your community