Whitney Ramirez, AFC
Founder, CEO
Phone:
202-967-8289
Email:
2025 SPEAKER APPEARANCES
AMLE 52nd Annual Conference for Middle Level Education
ACFE Annual Conference on Financial Education
SLN WholeGirl+ Education National Conference
Event Resources
A Note from Our CEO
Welcome, and thank you for being here. I’m the Founder and CEO of Diapers 2 Deposits, Inc., a financial literacy organization serving youth, families, schools, and community partners across Washington, D.C., Maryland, New York City, and expanding regions nationwide.
As a co-parenting mother, former public school educator, and former homeschooling parent, teaching has always been central to my life. I began teaching my son about money at just three years old—long before traditional financial education ever entered the classroom. By the time he could reach the ATM, he understood PINs, withdrawals, and the responsibility that comes with money. That early experience shaped a core belief that guides our work today: financial literacy should begin early, and understanding credit makes interest optional.
I’ve also had the privilege of serving as a Department of Defense contractor, teaching personal financial management to service members. Whether working with military personnel, students, or families, I’ve seen how transformative financial education can be when it is practical, culturally responsive, and rooted in real-world decision-making.
I founded Diapers 2 Deposits to challenge the idea that budgeting alone is enough. Too often, young people are taught how to manage money after damage has already been done. We focus on helping youth understand credit, avoid high-interest debt, and make informed financial decisions before costly mistakes occur.
Coming from humble beginnings myself, I believe deeply in meeting people where they are. Our curriculum is intentionally designed to reflect the lived experiences of the communities we serve—because when students see themselves in the lesson, they engage, ask questions, and leave empowered.
Whether you are a parent, educator, school partner, nonprofit organization, community leader, or student, thank you for being part of this journey toward financial confidence and economic freedom.
With gratitude,
Whitney Ramirez
Founder & CEO, Diapers 2 Deposits, Inc.
NOTABLE ACHIEVEMENTS
Outstanding Education Program of the Year by AFCPE
Maryland Chambers of Commerce Rising Star Award | Inspiring MD
United Way of Central Maryland
Changemaker Challenge Winner
Conference Speaker
Award-winning financial educator Whitney Ramirez—recipient of the Outstanding Education Program of the Year for her non-profit arm, Financial Field Trip Corporation—earned this recognition for pioneering immersive, real-world financial field trip experiences that connect youth directly with banks, credit unions, and financial professionals. Her innovative approach transforms traditional financial education into hands-on learning that builds confidence, career awareness, and long-term financial readiness.
Founder & CEO Whitney Ramirez was honored with the Rising Star Award at the Maryland Chamber of Commerce’s Inspire MD Awards. Recognized for her bold and transformative work in financial education, Whitney was celebrated as a visionary who has reimagined how young people learn about money. Through her company, Diapers 2 Deposits, she has pioneered Financial Field Trips—immersive, real-world learning experiences that bring financial concepts to life and bridge the gap between knowledge and application for youth. Her innovative approach is reshaping the future of financial literacy education across Maryland and beyond.
Whitney was named the winner of the United Way of Central Maryland Changemaker Challenge for Baltimore County for her innovative approach to financial education. Her award-winning program, Financial Field Trips, is designed to empower marginalized children and young adults ages 9–24 with essential financial knowledge and real-world experiences that prepare them to navigate adulthood with confidence. The program blends experiential learning with practical instruction, removing barriers to financial literacy and promoting long-term economic empowerment.
Whitney has been a featured speaker at several prestigious education conferences; her presentations include her presentations include the AFCPE (Association for Financial Counseling & Planning Education) Annual Symposium, where she will be presenting on turning abstract money concepts into tangible goals; the ACFE Annual Conference on Financial Education, where she highlighted practical strategies for making financial literacy accessible and culturally relevant, and the SLN WholeGirl+ Education National Conference, where she focused on empowering young women through financial education.