WASHINGTON (AP) — 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. Martinez’s friend next to him writes a different long-term goal: Buy a private jet. “You have to be a millionaire to save up for that,” Martinez says with a chuckle. Call it a reality check or an introduction to a c
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