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!
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
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"
You know students need this. But adding another program feels impossible.
One School Day. Every Senior. Financially Ready for Life.
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.
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
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
