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Moving to Maryland: Does Your Teen Still Need Personal Finance to Graduate?
Maryland has no statewide personal finance requirement, but Fort Meade's district now does. What the MIC3 waiver covers after a PCS move, and what it misses.
Whitney Ramirez, AFC
Aug 318 min read


Why Financial Literacy Doesn't Stick Without Experience
Most financial education doesn't change behavior. What the research says about experiential learning, and where Maryland's standards need it most.
Whitney Ramirez, AFC
Aug 268 min read


New Maryland Math Standards: What Changed for K-2
A Maryland first grader will be assessed this year on knowing what a quarter is worth. That was not true a year ago, and most parents have not been told. Maryland's revised math standards, adopted by the Maryland State Board of Education on July 29, 2025 and implemented starting in the 2026-2027 school year, add money to first grade for the first time. Standard 1.GR.C.6 requires first graders to identify and know the value of the penny, nickel, dime and quarter, and the $1, $
Whitney Ramirez, AFC
Aug 258 min read


Accredited Financial Counselor: A Military Family Guide
What the Accredited Financial Counselor (AFC) credential actually requires, why the military relies on it, and how to verify one in about two minutes.
Whitney Ramirez, AFC
Aug 248 min read


166 Baltimore YouthWorkers Started the Same Simulation With $1,000. They Did Not Finish the Same Way.
D2D ran its Game of Life financial literacy workshop for 166 MOED YouthWorks participants at six Baltimore sites. Inside the numbers the simulation shows.
Whitney Ramirez, AFC
Aug 197 min read


Two Financial Literacy After School Programs Are Confirmed in Montgomery County for Fall 2026
D2D confirms two fall 2026 programs: Money Club at Watkins Mill Elementary, plus a new Millionaire's Club at Neelsville Middle worth 15 MCPS SSL hours.
Whitney Ramirez, AFC
Aug 187 min read


What the Military Compensation Educational Campaign Covers, and What It Leaves to the Classroom
The War Department's Military Compensation Educational Campaign covers pay, BRS and benefits. Here is what it explains, and the TSP matching detail it skips.
Whitney Ramirez, AFC
Aug 177 min read


MCPS Recognized This Summer RISE Host for Work Its Interns Actually Shipped
MCPS honored Diapers 2 Deposits with a Summer RISE 2026 Host Certificate. A look at youth workforce development in Maryland where 10 interns did real work.
Whitney Ramirez, AFC
Aug 126 min read


Three New Financial Literacy Programs, and Where to Ask Us About Them on Aug. 22
Diapers 2 Deposits is at four MCPS Back-to-School Fairs on Aug. 22. Site times and three financial literacy programs Montgomery County families can join.
Whitney Ramirez, AFC
Aug 115 min read


Credit Freeze for Military Families: What an AFC Learned Teaching 100 Soldiers at a Time
An AFC who taught Army soldiers explains how military families can freeze credit at all three bureaus, add an active duty alert, and thaw it in an hour.
Whitney Ramirez, AFC
Aug 108 min read


Diapers 2 Deposits Completes the NSF I-Corps Lean Startup Accelerator
Diapers 2 Deposits completed the NSF I-Corps Lean Startup Accelerator on August 4, one of 15 teams, and leaves with a clearer buyer and fall pilots.
Whitney Ramirez, AFC
Aug 55 min read


Diapers 2 Deposits Earns MCPS Approval for Student Service Learning Hours
Diapers 2 Deposits has been approved for MCPS Student Service Learning hours. Grades 6 to 12 earn verified SSL hours teaching credit to younger peers.
Whitney Ramirez, AFC
Aug 44 min read


Financial Literacy for Military Kids: Lessons From an Army Post
An AFC who taught soldiers on an Army post explains what military kids need from financial education, and how families keep it going through a PCS.
Whitney Ramirez, AFC
Aug 36 min read


Inside a Youth Financial Literacy Internship: What Students Built
Through MCPS Summer RISE, Diapers 2 Deposits' summer interns built 170+ assessments, 100+ investing cards, and a live leaderboard. Here's what the work taught them.
Whitney Ramirez, AFC
Jul 294 min read


How a Financial Literacy Simulation Teaches Real Money Skills
See how Diapers 2 Deposits runs its Game of Life financial literacy simulation: four hands-on stations that teach youth to budget, handle surprises, and invest.
Whitney Ramirez, AFC
Jul 294 min read


Virtual Financial Field Trips Head to Market via NSF I-Corps
Diapers 2 Deposits founder Whitney Ramirez is validating Virtual Financial Field Trips through the NSF Lean Startup Accelerator. What VFFT is and why the format works.
Whitney Ramirez, AFC
Jul 294 min read


Investor's Club Brings Teen Investing to Baltimore City Schools
The D2D Investor's Club is teaching teens to invest through real market decisions at Baltimore City high schools this summer, in person and online.
Whitney Ramirez, AFC
Jul 215 min read


Financial Readiness for Military Families: Why a Late Payment Is Never Just a Late Payment
Missed payments can put a security clearance at risk. Here is how financial readiness protects military families, and where to build the habit early.
Whitney Ramirez, AFC
Jul 206 min read


Why Michigan's Personal Finance Mandate Held Outcomes Flat and Needs an AFC Train-the-Trainer Delivery
Diapers 2 Deposits documents AFC Train-the-Trainer delivery for state personal finance mandates, anchored by spring 2026 classroom data from TYWLS Astoria.
Whitney Ramirez, AFC
May 286 min read


MCPS Summer RISE 2026 Names Diapers 2 Deposits a Host for Personal Finance and Soft Skills Career Track
MCPS Summer RISE 2026 names Diapers 2 Deposits a host for the June 22 cohort, pairing personal finance and soft skills training across five weeks in Rockville.
Whitney Ramirez, AFC
May 274 min read
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