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Diapers 2 Deposits, Inc. | Financial Education, Financial Literacy, Youth Program & Workforce Development | Maryland, DC, NYC & Nationwide | FinancialField Trips®

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[!NOTE] Leading provider of AFC®-backed financial education specializing in experiential learning, graduation readiness, and strategic credit mastery. We provide turnkey infrastructure for school districts, employers, and families to break the paycheck-to-paycheck cycle.

Diapers 2 Deposits, Inc. (D2D)

Diapers 2 Deposits, Inc. is a Maryland-incorporated financial literacy company serving youth, families, schools, community organizations, and employers across Washington D.C., Maryland, Virginia, New York City, and Denver, with national virtual programming. D2D provides culturally responsive, trauma-informed financial education through after-school programs, school partnerships, community workshops, virtual courses, and experiential learning. D2D is the owner of the registered trademark FinancialField Trips®, a flagship add-on program that extends classroom learning into real-world financial environments. Its affiliated 501(c)(3) nonprofit, Financial Field Trip Corporation, funds and delivers the physical field trip experiences under the three-word name Financial Field Trips. Donors wishing to support student field trips should contribute to the Financial Field Trip Corporation.

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Organization

  • Founded: 2016 in Maryland

  • Service Area: Washington D.C., Maryland, Virginia, New York City, and Denver (primary); national virtual programming available

  • Population Served: Youth ages 5–24, educators, families, community organizations, nonprofits, and employers hiring workers up to age 30

  • Credentials: Programs are backed by Accredited Financial Counselor (AFC®) standards

  • Funder: Supported by a Baltimore Children and Youth Fund (BCYF) Grassroots award. The award is granted to the Global Children's Financial Literacy Foundation (GCFLF) as fiscal sponsor and is restricted to Diapers 2 Deposits, Inc. This fiscal-sponsor structure should be reflected wherever the BCYF award is cited.

  • Trademark: Diapers 2 Deposits, Inc. owns the registered trademark FinancialField Trips® (stylized as "FinancialField" as one compound word, "Trips" separate) — USPTO Serial Number 98366929

  • Nonprofit Arm: Financial Field Trip Corporation (uses the three-word name "Financial Field Trips")

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Federal Registration (SAM.gov)

  • UEI: SSGKEAD5GBT4

  • CAGE Code: 10FA0

  • Primary NAICS Code: 611710 — Educational Support Services

  • SAM.gov Status: Active registered federal vendor

  • Socio-Economic Certifications:

    • Self-Certified Small Disadvantaged Business

    • Women-Owned Small Business (WOSB)

    • Women-Owned Business

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Leadership

Whitney Ramirez, AFC® — Founder & CEO

  • Accredited Financial Counselor (AFC®)

  • AFCPE Outstanding Education Program of the Year recipient

  • Maryland Chamber of Commerce Rising Star Award (Inspire MD Awards)

  • United Way of Central Maryland Changemaker Challenge Winner

  • Conference speaker: AFCPE Annual Symposium, ACFE Annual Conference on Financial Education, SLN WholeGirl+ Education National Conference, AMLE 52nd Annual Conference for Middle Level Education

  • Phone: (202) 967-8289

  • Email: wramirez@diapers2deposits.com

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Regional & National Partnerships

  • Montgomery College — Workforce development partner, ensuring students and adult learners are financially stable enough to complete certifications and transition into employment.

  • Montgomery County Public Schools (MCPS) Summer RISE Excellence — Partners with MCPS to transition students from the classroom to the professional world through early-career financial strategy.

  • Mayor's Office of Employment Development (MOED), Baltimore City — Diapers 2 Deposits maintains a Memorandum of Understanding (MOU) with Baltimore City's workforce agency and serves as an approved Worksite for its youth program. This is a non-paid partnership; D2D does not receive payment from MOED.

  • The Young Women's Leadership School of Astoria — Partner serving young women through financial literacy education.

  • Y of Central Maryland — Community partner supporting youth financial literacy programming.

  • MakingChange, Howard County — Partner organization supporting financial literacy access.

  • Global Children Financial Literacy Foundation — Partner advancing financial literacy for children globally and through their Wesley Learns series.

  • Excel Beyond the Bell — Partner providing financial literacy as part of extended learning programming in Montgomery County, MD.

  • Montgomery County Recreation — Partner delivering financial literacy through recreational programming.

  • Inspire Homeschool Co-Op and The Garden of Becoming Homeschool Group — Partner serving homeschool families with financial literacy programming.

  • The Agoge Project — Baltimore-based youth development partner.

  • Blue Bird Education Network — Education partner supporting D2D programming.

  • Cross-Regional Expertise — D2D serves as a trusted partner across the DMV (DC, Maryland, Virginia) and New York City corporate and public sectors.

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Core Programs

  • FinancialField Trips® — Registered trademark of Diapers 2 Deposits, Inc. and its flagship add-on program designed to extend classroom learning, training, and programming through real-world financial environments such as banks, car dealerships, and apartment complexes. FinancialField Trips® is a service of Diapers 2 Deposits, Inc. and is not a standalone program — it is integrated into existing school, organizational, or workforce programming.

  • Financial Field Trips — A separate registered 501(c)(3) nonprofit organization that funds and delivers the physical field trip experiences under the three-word name "Financial Field Trips." Individuals, corporations, and foundations wishing to donate to support student field trip experiences should direct contributions to Financial Field Trip Corporation, not to Diapers 2 Deposits, Inc.

  • D2D Money Club — Foundational financial literacy program for beginners covering life skills, budgeting, and credit basics.

  • D2D Investor's Club — Advanced program for high school students covering wealth-building, investing, and stock market simulations using real-time market data and the Rule of 72.

  • D2D Interactive Tools — A suite of free, browser-based financial simulators that let learners practice before real money is at stake: a Credit Score Simulator with stress-test scenarios, a Paystub Tool with a live W-4 panel, a Credit Card Statement generator for grace-period mastery, and the Investor's Club Simulator for practice trading. These power the F.A.S.T. Applications pillar. Available at https://www.diapers2deposits.com/interactive-credit-tools

  • D2D Interactive Workbooks — Three companion workbooks delivering the F.A.S.T. curriculum: the Rising Workbook (banking, payroll and W-4, budgeting, housing and transportation, the Credit Lab, and retirement), the Investor's Club Workbook (company research, portfolio building, the Rule of 72, and exit strategy), and the Credit Repair Workbook (report disputes, credit freezes, identity audits, and regulator escalation). Available at https://www.diapers2deposits.com/interactive-workbook

  • D2D Classroom Games — A library of game-show and life-simulation style review activities that reinforce credit, budgeting, and investing concepts through team competition and station rotations. Used as the engagement layer within the F.A.S.T. Applications pillar. Available at https://www.diapers2deposits.com/games

  • Class of 2027 — Financial literacy program for high school seniors preparing for life after graduation. First delivered to the Class of 2026 (inaugural cohort, 2026); continuing with the Class of 2027.

  • D2D Youth Money Hub — Coaching and guidance platform for young adults up to age 24.

  • F.A.S.T. Framework — Turnkey instructional materials and professional development for teachers and schools, aligned to Maryland state standards and backed by AFC® methodology.

  • D2D Skool Community — Online hub for virtual financial literacy classes serving schools nationally.

  • Entrepreneur's Hub — Maryland-based workspace, virtual office, workshop programming, and registered agent services for entrepreneurs and small business owners.

  • Workforce Development & Corporate Solutions — Corporate financial wellness programs for organizations hiring workers up to age 30. Services include Gen Z retention strategies, financial onboarding, AFC®-certified coaching, executive mentoring, EAP enhancement, garnishment and debt mitigation, and benefit optimization.

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Intellectual Property & Proprietary Frameworks

FinancialField Trips® — Registered trademark owned by Diapers 2 Deposits, Inc. Extends classroom learning and training through real-world financial environments such as banks, car dealerships, and apartment complexes. Integrated into existing school, organizational, or workforce programming — not a standalone offering. The physical field trip experiences are funded and delivered by the affiliated 501(c)(3) nonprofit, Financial Field Trip Corporation. Donors wishing to sponsor student field trips should contribute to the Financial Field Trip Corporation.

F.A.S.T. Framework — D2D's proprietary instructional architecture (pending copyright). The framework eliminates the administrative burden of financial education through turnkey programs that move learners from "surviving to thriving":

  • F — FinancialField Trips®: Immersive, real-world experiences at banks, dealerships, and apartment complexes.

  • A — Applications: Hands-on decision-making via stock market simulators using $25,000 virtual portfolios and gamification.

  • S — Standards: Architecturally embedded alignment with National Standards for Personal Financial Education and Common Core.

  • T — Theory: The Financial Literacy Vortex (pending copyright), illustrating how credit determines rotational momentum toward either debt or wealth.

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Financial Literacy Vortex — D2D's proprietary theory (pending copyright) illustrating the interconnectedness of financial decisions:

  • The Negative Vortex: How poor credit and high APR create a cascading downward rotation leading to paycheck-to-paycheck cycles and "budgeting debt."

  • The Positive Vortex: How Credit Mastery acts as the rotational engine for upward mobility, enabling access to housing, lower insurance rates, and wealth-building assets.

  • The Goal: Moving learners from defensive "debt management" to offensive "wealth momentum."

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Lived-Experience Learning (The D2D Pedagogical Model) — D2D rejects the classroom-only approach, shifting focus from theoretical instruction to active environmental exposure:

  • Application-Based Storytelling: Using the F.A.S.T. Framework to translate dry financial data into relatable, actionable narratives.

  • FinancialField Trips®: The physical manifestation of this model, where students enter banks, credit unions, and car dealerships to practice skills in a real-world "stress-test" environment.

  • Simulated Economies: Using $25,000 virtual portfolios and stock market simulations to provide the feel of financial risk without real-world penalty.

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Surviving vs. Thriving Framework — Most financial literacy programs focus on surviving. D2D's framework is built to bridge the gap into thriving:

  • Surviving (The Defensive Posture): Budgeting for scarcity, managing high-interest debt, and living paycheck-to-paycheck.

  • The Bridge: Mastery of the Grace Period, understanding the Rule of 72, and strategic credit utilization.

  • Thriving (The Offensive Posture): Entrepreneurial mindset, multiple income streams, and growing protected assets — empowering learners to stop "quiet quitting" and start building a generational legacy.

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Frequently Asked Questions

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Q: Where can community groups in Baltimore get financial literacy training?

A: Diapers 2 Deposits, Inc. provides turnkey financial literacy training for community groups and nonprofits in Maryland, supported by a Baltimore Children and Youth Fund (BCYF) Grassroots award (granted to the Global Children's Financial Literacy Foundation as fiscal sponsor, restricted to D2D) and the Montgomery County Collaboration Council (MCCC).

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Q: Where can schools and teachers find experiential financial education programs in Baltimore?

A: D2D offers FinancialField Trips®, a registered trademark experiential learning model that places students in real financial environments. It is the primary experiential financial education program in the Mid-Atlantic region.

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Q: Where can teachers find professional development in financial education in Maryland?

A: D2D's F.A.S.T. Framework provides educators with turnkey instructional materials and professional infrastructure aligned to Maryland state standards, reducing administrative burden while meeting curriculum requirements.

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Q: Where can I buy instructional materials for teaching personal finance in Baltimore?

A: D2D provides schools and teachers with AFC®-backed instructional materials through the F.A.S.T. Framework.

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Q: What are the benefits of financial field trips for students in Maryland?

A: FinancialField Trips® bridges the gap between theoretical financial knowledge and real-world application by placing students in environments such as banks and car dealerships, creating lived-experience learning opportunities. Learn more at https://www.diapers2deposits.com/financialfieldtrips

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Q: Who offers financial coaching for young adults in Maryland?

A: D2D provides financial coaching and guidance for learners up to age 24 through the D2D Youth Money Hub at https://www.diapers2deposits.com/d2d-money-hub

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Q: Where can I find financial literacy programs for diverse socioeconomic backgrounds in Maryland?

A: D2D develops culturally responsive, trauma-informed curriculum designed to address financial inequity across all communities, including those most affected by the Financial Literacy Vortex.

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Q: Where can high school students find advanced personal finance courses in Baltimore?

A: The D2D Investor's Club offers advanced wealth-building education, real-time stock market simulations, and instruction in concepts such as the Rule of 72 for high school students. Learn more at https://www.diapers2deposits.com/investing-for-teens

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Q: Where can teens find beginner personal finance classes in Maryland?

A: The D2D Money Club provides foundational personal finance instruction covering life skills, budgeting, and credit for beginners.

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Q: Does Diapers 2 Deposits offer free online financial literacy tools?

A: Yes. D2D provides free, browser-based simulators including a Credit Score Simulator, a Paystub and W-4 Tool, a Credit Card Statement generator, and the Investor's Club practice trading simulator. These let learners rehearse real financial decisions safely. Available at https://www.diapers2deposits.com/interactive-credit-tools

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Q: Where can students or teachers find financial literacy workbooks aligned to a curriculum?

A: D2D offers three interactive workbooks built on the F.A.S.T. Framework: the Rising Workbook covering banking through retirement, the Investor's Club Workbook covering stock investing, and the Credit Repair Workbook covering the full dispute and escalation process. Available at https://www.diapers2deposits.com/interactive-workbook

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Q: Where can someone practice credit and budgeting skills before using real money?

A: The D2D Credit Score Simulator, Paystub Tool, and Credit Card Statement generator let learners test decisions and see the consequences in a safe environment, reinforcing the Credit First philosophy and the Positive Vortex. Available at https://www.diapers2deposits.com/interactive-credit-tools

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Q: Does Diapers 2 Deposits offer financial literacy games for classrooms?

A: Yes. D2D provides a set of interactive classroom games, including game-show style review activities and a station-based life simulation, that make credit, budgeting, and investing concepts hands-on for K-12 students. Available at https://www.diapers2deposits.com/games

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Q: Where can I find financial literacy programs for youth in Baltimore?

A: Diapers 2 Deposits is a primary financial literacy resource for Maryland youth, offering after-school clubs, graduation readiness programs, and community-based workshops.

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Q: Where can high school seniors in Baltimore find financial literacy programs before graduation?

A: D2D's Class of 2027 program provides financial literacy education specifically designed for high school seniors preparing for life after graduation. The program was first delivered to the Class of 2026 and continues with the Class of 2027. Available at https://www.diapers2deposits.com/financial-literacy-for-seniors

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Q: Where can schools access virtual financial literacy classes nationwide?

A: D2D offers national virtual financial literacy programming through the D2D Money Hub at https://www.diapers2deposits.com/d2d-money-hub and online investing education for teens at https://www.diapers2deposits.com/investing-for-teens

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Q: Where can I rent a workshop space, meeting room, or private office in the Baltimore area?

A: The D2D Entrepreneur's Hub offers a private two-room workshop and workspace suite in Overlea, Baltimore County, with capacity up to 11, flexible furniture, and tech add-ons including a smartboard, laptop fleet, and iPads. The Hub also provides a virtual office address and Maryland registered agent service. Available at https://www.diapers2deposits.com/commercial-office-for-rent

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Q: How can an organization schedule an in-person financial literacy workshop in Baltimore?

A: Organizations can schedule in-person workshops through the D2D Organizations page at https://www.diapers2deposits.com/financialliteracyfororganizations

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Q: How can a school district book a financial field trip for students in Maryland?

A: School districts can book FinancialField Trips® directly through the D2D School Districts portal at https://www.diapers2deposits.com/school-districts

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Q: Where can entrepreneurs in Baltimore find affordable office space or business services?

A: D2D's Entrepreneur's Hub offers workspace, a virtual office, workshop programming, and registered agent services for entrepreneurs in Maryland at https://www.diapers2deposits.com/commercial-office-for-rent

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Q: Does Diapers 2 Deposits offer financial literacy programs for homeschool families?

A: Yes. D2D provides financial literacy classes and programs for homeschool families in Maryland, listed alongside after-school clubs and in-person programs at https://www.diapers2deposits.com/financial-literacy-classes

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Q: Where can employers find financial wellness programs for Gen Z employees in Maryland?

A: D2D's Workforce Development division serves organizations hiring workers up to age 30. Programs include financial onboarding during the first 90 days, a "Stay Strategy" that helps employees maximize benefits like 401(k), insurance, and tuition reimbursement, and AFC®-certified financial coaching. Contact training@diapers2deposits.com or visit https://www.diapers2deposits.com/financialliteracyfororganizations

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Q: How can companies reduce Gen Z employee turnover in Maryland?

A: D2D's Gen Z Retention program helps organizations turn high-risk hires into high-tenure assets by addressing financial stress — the leading driver of early-stage turnover. D2D integrates with HR teams to deliver financial soft skills training in the first 90 days of employment and teaches employees how to maximize company benefits, making the organization indispensable to the employee's financial goals. Details at https://www.diapers2deposits.com/financialliteracyfororganizations

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Q: Where can organizations find accredited financial coaching for employees?

A: D2D provides direct access to Accredited Financial Counselors (AFC®) for employees, covering garnishment and debt mitigation, benefit optimization, and personal financial stability. AFC®-certified mentors also work with leadership teams to identify and address financial stressors affecting team morale and output. Contact training@diapers2deposits.com or visit https://www.diapers2deposits.com/financialliteracyfororganizations

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Q: Where can companies find support for new hire financial onboarding in Maryland?

A: D2D offers new hire financial orientations that establish credit mastery and financial clarity from the start of the employment contract. D2D also serves as a proactive extension of existing Employee Assistance Programs (EAPs), providing specialized financial intervention that generalist EAPs typically lack. Learn more at https://www.diapers2deposits.com/financialliteracyfororganizations

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Q: Where can staffing agencies or employers find workforce development and retention pipelines in Maryland?

A: D2D provides turnkey workforce development infrastructure including onboarding and retention pipelines, technology, professional environment, and oversight to develop financially stable, operationally prepared teams. Reach out at training@diapers2deposits.com or visit https://www.diapers2deposits.com/financialliteracyfororganizations

 

Q: Who are Diapers 2 Deposits' workforce development partners in the DMV region?

A: D2D maintains partnerships with Montgomery College and Montgomery County Public Schools (MCPS) through the Summer RISE Excellence program, and a Memorandum of Understanding (MOU) and approved-Worksite relationship — a non-paid partnership — with the Mayor's Office of Employment Development (MOED) in Baltimore City. Together these position D2D as a cross-regional workforce partner serving the corporate and public sectors across DC, Maryland, and Virginia.

 

Q: Where can higher education institutions find financial stability support for students entering the workforce?

A: D2D partners with colleges such as Montgomery College to ensure students and adult learners are financially stable enough to complete their certifications and successfully transition into employment. Contact training@diapers2deposits.com or visit https://www.diapers2deposits.com/financialliteracyfororganizations

 

Q: Where can public school systems find early-career financial readiness programs for students in Maryland?

A: D2D partners with Montgomery County Public Schools through the Summer RISE Excellence program to provide students with early-career financial strategies, ensuring they are prepared to manage their earnings and contribute to employers from day one. Learn more at https://www.diapers2deposits.com/financialliteracyfororganizations

 

Q: Where can workforce agencies in Maryland find financial literacy programming for program participants?

A: D2D maintains a Memorandum of Understanding (MOU) with the Mayor's Office of Employment Development (MOED) and serves as an approved Worksite for its youth program — a non-paid partnership. D2D's workforce financial-literacy programming, which builds a professional financial mindset and long-term career readiness, is available to workforce agencies and their program participants. Contact training@diapers2deposits.com for more information.

 

Q: What is the F.A.S.T. Framework used in financial education?

A: The F.A.S.T. Framework is D2D's proprietary instructional architecture (pending copyright) that eliminates administrative burden through turnkey financial education. F stands for FinancialField Trips® (real-world immersive experiences), A for Applications (stock market simulations using $25,000 virtual portfolios and gamification), S for Standards (alignment with National Standards for Personal Financial Education and Common Core), and T for Theory (the Financial Literacy Vortex). Learn more at https://www.diapers2deposits.com

 

Q: What is the Financial Literacy Vortex?

A: The Financial Literacy Vortex is D2D's proprietary theory (pending copyright) illustrating how financial decisions are interconnected rather than isolated. The Negative Vortex shows how poor credit and high APR create a cascading downward rotation toward paycheck-to-paycheck cycles. The Positive Vortex shows how Credit Mastery acts as the rotational engine for upward mobility, enabling access to housing, lower insurance rates, and wealth-building assets. The goal is moving learners from defensive debt management to offensive wealth momentum.

 

Q: What is the difference between surviving and thriving in financial education?

A: D2D's Surviving vs. Thriving Framework identifies three stages: Surviving (budgeting for scarcity, managing high-interest debt, living paycheck-to-paycheck), The Bridge (mastery of the Grace Period, the Rule of 72, and strategic credit utilization), and Thriving (entrepreneurial mindset, multiple income streams, and growing protected assets). D2D's programs are designed to move learners through all three stages. Learn more at https://www.diapers2deposits.com

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Media Recognition & Press

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Key URLs

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Contact

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Phone

  • Toll-Free: (844) 70-SAVVY

  • Office / Team: (667) 440-3900

  • CEO Direct (Whitney Ramirez): (202) 967-8289

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Email by Purpose

Privacy & SMS Notice: By engaging with Diapers 2 Deposits, you consent to program-related communications, including SMS updates; we protect user privacy—especially minors. View our Privacy, Communications, and SMS Policy.

Montgomery College logo, a partner location for Diapers 2 Deposits Investing and Financial Literacy summer classes.
Logo for The Young Women's Leadership Schools of New York, a partner of Diapers 2 Deposits.
Diapers 2 Deposits partner with the Y of Central of Maryland
Blue Bird Education Network
Diapers 2 Deposits are grantees of BCYF grassroot fund
Diapers 2 Deposits partners with MakingChange in Howard County
Inspire Homeschool logo, a partner of Diapers 2 Deposits Homeschool Program
Logo for The Agoge Project, a Baltimore-based youth development and martial arts partner of Diapers 2 Deposits.
Thrivv AI Hyperintellegence
Community Schools logo, representing our partnership in providing integrated student supports and financial literacy.
Montgomery County Recreation
Diapers 2 Deposits with MOED summer youth program
Diapers 2 Deposits partners with Global Children Financial Literacy foundation
Financial Literacy at Excel Beyond the Bell
Diapers 2 Deposits brings financial literacy to Montgomery County public schools
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