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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
A Note from Our CEO
Welcome! I’m so glad you’re here. ​ As a co-parenting mom, former public school educator, and prior homeschooling parent, teaching has always been at the center of my life. I began teaching my son about money when he was just three years old, and by the time he could reach the ATM, he was entering PINs and withdrawing cash. That early foundation shaped my belief that financial literacy should be introduced as early as the diaper stage.
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I’ve had the honor of serving as a Department of Defense contractor, teaching personal finance management to soldiers. Whether working with military personnel, students, or families, I’ve seen the life-changing impact of financial education when it’s taught with care, relevance, and cultural responsiveness.
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That’s why I created Diapers 2 Deposits. I come from humble beginnings, and I understand the importance of meeting people where they are. I take pride in developing a curriculum that reflects the communities I serve, because when students see themselves in the lesson, they lean in, ask questions, and walk away empowered.
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Whether you’re a parent, educator, partner, community member, or student, thank you for being part of this journey.
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With gratitude,
Whitney Ramirez
Founder & CEO, Diapers 2 Deposits, Inc.
NOTABLE ACHIEVEMENTS
Maryland Chambers of Commerce Rising Star Award
United Way of Central Maryland
Changemaker Challenge Winner
Conference Speaker
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 the AMLE 52nd Annual Conference for Middle Level Education, where she introduced the impact of Financial Field Trips on student engagement and retention; 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.