Financial Literacy for Class of 2026
Paying Interest Is Optional When You Learn How to Use Credit Cards—Prepare Your Entire Graduating Class in One Day!
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The Problem Every Principal Knows
Your graduating seniors are about to make financial decisions worth thousands of dollars:
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Signing apartment leases they can't afford
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Accepting student loans without understanding repayment
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Getting their first credit cards and paying 24% interest
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Starting jobs without negotiating salary or understanding benefits
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And despite everyone's best efforts:
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Teachers are stretched, teaching core subjects
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Counselors have 400+ students each
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Financial literacy gets postponed until it's too late
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Parents assume "someone at school is teaching this"
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You know students need this. But adding another program feels impossible.
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One School Day. Every Senior. Financially Ready for Life.
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Diapers 2 Deposits delivers a comprehensive, hands-on financial literacy workshop that reaches your entire graduating class—without disrupting your schedule, requiring curriculum changes, or adding work for your staff.
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Most programs teach students to fear credit cards. We teach them to master them. Our proprietary curriculum goes beyond "credit cards are dangerous" to teach students:
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The exact strategies to avoid interest charges entirely (pay statement balance, not minimum)
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How to build a 750+ credit score before age 25
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How to leverage rewards and cashback strategically
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When credit cards are the right tool vs. debit cards or cash
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Real result: Students who understand credit utilization, grace periods, and strategic credit building save an average of $3,400 in interest charges by age 30.​​​
What students will experience
Life Skills 1: Budgeting for Independent Living
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Create a "first year after graduation" budget using real data
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Learn the 50/30/20 rule and why it matters
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Hands-on: Complete personal budget worksheet they take home
Life skills 2: Credit Cards & Credit Scores
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Interest Is Optional: How to use credit cards without paying a cent in interest
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Credit utilization and why it matters more than anything else
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Building credit from zero: secured cards, authorized users, student cards
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Real cost comparisons: paying minimum vs. paying in full
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Hands-on: Credit card scenario simulator—students make real decisions and see real consequences
Life skills 3: Apartment Hunting & Rental cost
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Understanding rent affordability (30% rule)
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Lease agreements: what you're actually signing
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Security deposits, renters insurance, utilities
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Red flags to avoid (scams, bad landlords)
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Hands-on: Calculate maximum affordable rent based on entry level salaries
Life skills 4: First job & Long-term planning
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Reading a pay stub: gross vs. net, what's withheld and why
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401(k) basics and employer matching (free money!)
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Introduction to investing: compound interest demonstration
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Career planning: industries, certifications, apprenticeships
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Hands-on: Create a 5-year financial goal roadmap
closing & continued support
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Students complete their Personal Financial Action Plan
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Q&A with instructors
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Continued support in our community Skool platform
Zero Distruption
Step 2:
Select Your Format
Rotating Classroom Format
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Students attend one session during scheduled time (advisory, study hall, etc.) Covers modules: budgeting, credit cards, apartments,and jobs
Split Day Format
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Two 3-hour sessions (AM + PM). Half of the seniors attend morning, half attend afternoon
Full Support.
step 3
We handle everything else
✅ Instructor(s) arrive 30 minutes early for setup
✅ All printed materials provided
✅ Technology setup (Instructor will have a laptop to connect to the Smartboard)
✅ Post-workshop: Digital resources for students + summary report for administration