Brad Bartick stood in front of a room full of teens sprawled on couches and chairs, tired after a day at school. The Charles Schwab Corp. branch manager was at a Boys & Girls Club in Vancouver, Wash., to coach kids on finances. Unlike most of Bartick’s clients, who are employed and financially successful, many of these students came from families where there was barely enough money to save. He invited the kids to the front of the room to write down the jobs they hoped to hold. Teacher,...

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