Bryan Martinez, a senior at Capital City Public Charter School in Washington, works on a computer last month during his advanced algebra with financial applications class.
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Inside a high school classroom, Bryan Martinez jots down several purchases that would require a short-term savings plan: shoes, phone, headphones, clothes, and food. His medium-term financial goals take a little more thought, but he settles on a car — he doesn’t have one yet — and vacations. Peering way into his future, the 18-year-old also imagines saving money to buy a house, start his own business, retire and perhaps provide any children with a college fund.