Trusted by schools since 2018
Financial Literacy: Graduation Financial Readiness Program for the Class of 2026
Your teen will get a credit card offer soon. Will they know what to do with it?
Diapers 2 Deposits prepares the Graduating Class of 2026 (8th grade, 12th grade, or college) to use credit cards without paying interest, protect their credit score, and handle real-life money decisions before independence makes mistakes expensive.
8 live sessions. Real instructors. Support through the age of 24.
What makes this different
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Live instructor (45 minutes) — no passive videos
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Credit mastery: grace period, statement balance vs minimum payment, utilization, score factors, late payments
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Life skills: paystub review, rent qualification, move-in inspection basics
Support through age 24: your teen keeps access to the D2D Youth Money Hub to get guidance from an Accredited Financial Counselor when money situations show up.
AFC® = Accredited Financial Counselor (national personal finance credential)
Starts: Sunday, Feb 22, 2026
Graduation pricing ends Feb 15
Bonus by Feb 15: $100 off + FREE Investor’s Club for Teens access (Stock Simulator)
WTOP education reporter Kate Ryan covered Diapers 2 Deposits’ financial literacy sessions in Montgomery County schools, highlighting how students learn budgeting, investing, and credit fundamentals. [Read the WTOP story]
Here’s what can happen after your teen graduates—if nobody teaches them credit:
Weeks 1–2 after graduation
✉️ A credit card offer shows up: “You’re pre-approved.” Your teen sees a reward. The fine print is the real story.
Months
1–3
💳 They sign up because “everyone has one.”
A small limit feels harmless. Minimum payments feel manageable.
Months
4–12
📉 Interest and fees start stacking.
They’re paying every month… but the balance barely moves.
Year 2+
💔 Credit problems become life problems.
Apartments, car loans, utilities—everything gets harder and more expensive.
And eventually you get the call: “I messed up my credit. Can you help?”
Here's the truth most parents don't say out loud:
You can't protect them from every mistake. But you can train them before the mistakes cost $3,000 in interest and 2 years of stress.
The problem isn't motivation. It's information. Your teen doesn't need a lecture about "being responsible."
They need to know:
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Every credit card has 3 critical dates (hint: there's more than the due date)
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How to recover from a late payment without it destroying their credit score (yes, there's a window—and most people miss it)
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What a "grace period" actually means, and how to use it so they never pay a cent in interest
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Why paying on time isn't enough** if they don't understand credit utilization
These aren't "responsibility" issues. These are technical gaps that credit card companies profit from. They need to learn this BEFORE the first credit card offers appear.
FINANCIAL LITERACY SOLUTION
Your teen doesn’t need another “be responsible” lecture.
They need a simple system they can follow in real life.
Diapers 2 Deposits gives the Class of 2026 a step-by-step credit + money system:
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8 weeks
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100% live, instructor-led
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Practice during class (not just notes)
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Support through age 24 inside the Youth Money Hub
This isn’t a video course they’ll “finish later.” It’s live instruction with real accountability—so the skill sticks.
WHAT IT COST IF YOU DO NOTHING
Most teens aren’t reckless. They're unprepared. Here’s the realistic chain reaction:
Year 1 after graduation
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Carries a $2,000 balance at 24.99% APR → ~$750+ in interest
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One missed payment → late fee + score damage
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High utilization (maxing out a starter card) → score drops
Years 2–3
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Apartment application gets harder → co-signer needed
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Car loan gets priced higher (ex: 12% vs 6%) → thousands more
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Insurance rates rise with poor credit → hundreds per year
Total cost of “doing nothing”: $2,790–$5,790…and that’s from one common mistake chain.
WHAT IT COST YOU PROTECT YOUR TEEN
Today (through Feb 15, 2026); $497
After Feb 15: $597
If this prevents one interest trap, score drop, or loan penalty, it pays for itself. You get:
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8 live training sessions (not videos, they’ll skip)
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A Personal Financial Action Plan that they can follow
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FREE Investor’s Club access when you enroll by Feb 15
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Youth Money Hub access through age 24 with guidance from an Accredited Financial Counselor
(Comparable support is often $150–$250/hr—here it’s included when real questions pop up.)
WHAT “SUPPORT THROUGH AGE 24” ACTUALLY MEANS
It’s 11:00 PM. Your teen is away at school. They’re about to sign their first lease—and a clause doesn’t make sense. They post it in the D2D Youth Money Hub. They get guidance on what it means and what to watch for—so they don’t guess, panic, or sign blind.
That’s the difference between “a course” and a safety net.
Reviews:
"I enrolled my daughter, but honestly? I learned just as much. I was cooking dinner in the background during Week 3 and heard the instructor explain how to recover from a late payment before it hits your credit report. I'm 42, and I didn't know there was a window to fix that. If the parent learns this much while half-listening, imagine what your teen will learn by actually paying attention."
— Jennifer K., Parent, Fall 2025 Cohort
"As a homeschool mom of three, I wanted my kids to learn real-world money skills—not just theory. Diapers 2 Deposits delivered. My 16-year-old can now explain credit card statements better than most adults I know. The 10:30 AM sessions fit perfectly into our schedule."
— Rachel M., Homeschool Parent, Fall 2025 Cohort
“My son is 19 and just got his first credit card offer. Before this class, he would've signed up without reading anything. I'm honestly shocked—he understands this better than I do. Worth every penny."
- Faith G., Fall 2025 Cohort
"All of my daughter's friends have credit cards. Half of them are already paying interest and don't understand why their balances aren't going down. She's the only one who pays her statement balance and she's basically the 'money friend' in her group now."
-Angela R., Spring 2024 Chort
"To say I've received massive value is an understatement. Before this class, I thought budgeting meant 'don't buy Starbucks.' Now I have an actual system—I know exactly how much I can spend, save, and invest every month."
- Alex J., Student, Spring 2024 Cohort
What's included?
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8 live sessions (45 minutes each) with a D2D instructor
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Multiple session options: Sunday afternoons + Monday–Thursday
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Guided practice + tools (so they can apply what they learn immediately)
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Community access through age 24 for ongoing support
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Ability to ask money questions and get guidance—even while away at college
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Investor’s Club option when they’re ready (learn investing + practice with simulators)
What they'll learn?
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Create a realistic plan for spending, saving, and priorities
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Understand statement balance vs. minimum payment, APR, grace periods, and how to avoid common traps.
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Learn what affects a score, what to avoid, and how to build habits that protect them long-term.
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Renting basics, deposits, utilities, and financial responsibilities they’ll face fast.
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Read a paystub, understand deductions, and plan for what’s next.
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A clear plan they can follow—with support available when questions pop up later.
Real instructors. Real teaching. Real money skills teens can use immediately.
FAQ
Who is this for?
This is for Class of 2026 students (8th grade, 12th grade, or college) who are within 12 months of achieving major financial independence—obtaining a first credit card, managing money without daily parental oversight, paying bills, renting, or starting a job.
It’s also a strong fit for homeschool families who want real-life money skills taught live (not worksheets and theories).
Is this a good fit for homeschoolers?
Yes. We offer daytime homeschool-friendly sessions, and parents are welcome to listen in. Homeschool daytime options (EST):
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Wednesdays: 10:30 AM or 11:30 AM
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Thursdays: 1:30 PM
Many homeschool parents tell us they learn right alongside their teen—while cooking, folding laundry, or working nearby.
Is this live or pre-recorded?
100% live. Every session is taught by an instructor. No passive videos. No “watch this later” coursework.
Are cameras required?
No. Cameras are not required. Students can participate in a way that feels comfortable for them.
Are sessions recorded?
No. Sessions are not recorded. These are live sessions designed for real-time learning and practice.
What if my teen is shy or doesn’t like speaking up?
Totally normal. Since cameras aren’t required and sessions aren’t recorded, students can learn by listening, practicing, and asking questions when they’re ready—without pressure.
Why do you include support through age 24?
Because the biggest money decisions happen after the course:
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college + first job
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first credit card limits
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first apartment + deposits + utilities
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car insurance, banking, and bills
Your teen keeps access to the D2D Youth Money Hub through age 24 so they can get guidance when real situations show up—without guessing or panicking.
Does this include investing education?
If you enroll by February 15, your teen gets FREE access to Investor’s Club (normally $600). They’ll learn investing fundamentals and practice using simulators after they’ve mastered the foundation.
What’s your refund policy?
Attend Week 1. If your teen doesn’t learn something they can apply immediately, we’ll refund you 100%. No hoops. No hassle.
What if we miss a session?
You won’t fall behind.
Each week’s topic is taught multiple times (Sunday-Mon, Tues–Thurs). If you miss your normal session, just attend another time that same week. We built this for real schedules—sports, exams, college visits, part-time jobs.
Can I speak to someone before enrolling?
Yes. Real people answer our phone and email—no chatbots, no scripts.
Call or text: (844) 70-SAVVY
Email: mastermind@diapers2deposits.com
