Tessa Heiydt, Cheney

Age: 17

Plans to attend: Gonzaga University

Best advice: “It’s not what you say, but how you say it,” from my mom, Tabitha Heiydt.

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Saving for the future

sponsored According to two 2015 surveys, 62 percent of Americans do not have enough savings to handle an unexpected emergency, much less any long-term plans.

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