Is Algebra 2 your jr year math? “Only” having pre-cal as a senior, looking at econ/business, coming from a private school in No. Cal, will be a bit of a challenge for the reach schools…just FYI. Not much you can do about it, but putting it out there.
I would, ASAP go visit a few schools - big state schools (maybe UC SC) and a smaller more liberal arts like school and just tour and see what you may like.
Also, without a detailed transcript and knowing your school (don’t give us this!) it is hard to match you with that sort of GPA, etc. a 3.8UW in all honors at a school equivalent of a very top indepedent school is VERY different than a middle-of-road parochial school and not being in many honors etc.
Also, if you are at a private in No. Cal I assume you have a good college counselor at your school - use them!!! they will understand your school’s context way better than us, I can’t overstate how apples to oranges GPAs can be.
Also, if you want a very business-focused school (like Babson is) you might add Bentley (it is near Babson geographically, but a more moderate acceptance rate - I think in 40%s).