Diapers 2 Deposits Is Hiring Financial Literacy Instructors as Programs Expand
The curriculum is written. The partnerships are signed. The school sites are booked. What Diapers 2 Deposits does not have enough of is people who can stand in front of fifteen teenagers and make a credit score matter to them.
That is the whole job, and it is harder than the job description makes it sound.
D2D is expanding this fall from its Baltimore base into new New York City sites, additional Title I school partnerships, workforce program integrations, and homeschool programs across Maryland. Every one of those needs an instructor. If you have taught, coached, counseled, or run a room full of young people and you know your way around money, the rest is trainable.
Key Takeaways
Diapers 2 Deposits has served more than 2,500 youth across 65 program sites in Baltimore, Washington D.C., and New York, and is hiring instructors for new sites this fall.
The FinancialField Trips program received the Association for Financial Counseling and Planning Education's Outstanding Education Program of the Year Award for 2025, presented to Financial Field Trips Corp and founder Whitney Ramirez, AFC.
A D2D financial literacy instructor delivers a built curriculum rather than writing one, supported with prepared lesson plans, student activity sheets, professional development training, and program oversight.
The work is hourly, site-based, and scheduled around after-school hours, so it fits people who want mission-driven work alongside other commitments rather than a desk job.
Current openings are listed at diapers2deposits.com/we-are-hiring and on Indeed.
What a financial literacy instructor actually does at D2D
A D2D instructor teaches structured financial literacy sessions to young people at partner sites, manages the relationship with the school or program staff on the ground, handles session logistics, and represents the organization in the building. The teaching is the visible part. The rest of it is what makes a partner invite you back next term.
A typical week involves:
Delivering curriculum sessions to a set grade band, using lesson plans and activity sheets that are already built
Running the money games, simulations, and hands-on activities that carry most of the learning
Coordinating with the site coordinator on room setup, attendance, and scheduling changes
Tracking participation and outcomes so the partner gets a report that means something
Occasionally supporting a FinancialField Trip, where students visit banks, dealerships, and financial offices to see the systems they have been studying.
The content is credit-first, which is unusual. Most youth financial education starts with budgeting. D2D starts with how credit works, on the reasoning that credit decides access to housing, transportation, and employment long before a budget gets a say. Instructors need to be comfortable with credit scores, APR, interest mechanics, and utilization, and comfortable explaining all of it to someone who has never had a paycheck.
Who D2D serves and where the work happens
D2D delivers programs in public schools, Title I communities, homeschool programs, and workforce development settings across Maryland, Washington D.C., and New York City. Partner organizations include the Mayor's Office of Employment Development, Montgomery County Recreation, Montgomery College, The Young Women's Leadership Schools of New York, the Y of Central Maryland, Excel Beyond the Bell, Blue Bird Education Network, MakingChange, The Agoge Project, Global Children Financial Literacy Foundation, and Inspire Homeschool Co-Op.
The core population is teenagers hitting real financial decisions for the first time. First paycheck. First credit offer. First look at what a decade of minimum payments actually costs. That timing is the point: the curriculum is built for the moment a young person is about to make the decision, not years after.
Program formats vary, which shapes the work. Some sites run 8, 10, or 12 week programs. Others are after-school clubs, one-time pop-up sessions, or push-in instruction during the school day. Recent examples include the Millionaire's Club and Money Club running in Montgomery County this fall.
What the organization hands you before you walk into the room
D2D instructors are not asked to build curriculum. Lesson plans, student activity sheets, professional development training, and program oversight are provided, and instructors are background-checked before placement. The organization handles logistics that instructors at smaller programs usually absorb themselves, including insurance and transportation arrangements for field trips.
Two details say more about how the organization treats instructors than any values statement would. D2D pays instructors to arrive 15 minutes early at the site rather than expecting unpaid setup time. It also reimburses instructors for prizes they buy for students playing the financial literacy games.
There is a credential behind the work as well. Financial Field Trips Corp and founder Whitney Ramirez, AFC, received the AFCPE Outstanding Education Program of the Year Award for 2025, presented at the AFCPE Symposium in Phoenix in November 2025. D2D covered the award and the origin of the program in full. For an instructor, a national award is not a perk. It is evidence that the program you are delivering has been reviewed by people outside the organization and found to be worth replicating.
Who this role suits, and who it does not
The financial literacy instructor role suits someone who already knows how to hold a room of teenagers. Former teachers, youth workers, coaches, counselors, AFC candidates, and finance professionals who want to teach all land well here. Financial credentials help but do not substitute for the classroom management piece, and D2D trains on the curriculum either way.
It is worth being straight about what the role is not. The work is hourly rather than salaried. Sessions are tied to school and after-school schedules, so most of it lands in afternoons rather than a flexible nine to five. Sites are spread across a region, so there is travel between them. And the setting is a school or community room with the ordinary constraints that come with it, not a polished training facility.
If that list reads as a dealbreaker, the role is not a fit, and knowing that now saves everyone the interview. If it reads as a fair trade for work you can see the results of, keep going.
How to apply
Applications run through two paths. Current openings are listed at diapers2deposits.com/we-are-hiring, which is the page to check first because it stays current as new sites open. The active posting is also on Indeed.
Worth doing before you apply: read the D2D team and mission page and be ready to say why credit-first sequencing makes sense to you. Instructors who understand why the curriculum is ordered the way it is teach it better than instructors who are working through a deck.
Frequently asked questions
Do I need a finance degree or a certification to be a financial literacy instructor?
No. D2D hires for the ability to teach young people and trains on the curriculum. Financial credentials such as the AFC are valued, and the organization works with AFC candidates, but classroom presence is what the role turns on.
Is this full-time work?
The instructor role is hourly and tied to program schedules. Check the current posting for the hours attached to a specific site, since program formats range from one-time sessions to 12-week programs.
Do I need to already know the curriculum?
No. Lesson plans, student activity sheets, professional development training, and program oversight are provided. Instructors deliver a built program rather than designing one.
Where are the openings located?
Sites sit across Maryland, Washington D.C., and New York City, with new New York City locations opening this fall. The live posting lists the specific site or region for each opening.
What ages do instructors teach?
Program populations run from elementary through high school and into workforce development settings, though the core group is teenagers making first financial decisions. Curriculum is built for the grade band.
Where to start
D2D is hiring because the programs are growing, and the programs are growing because partners keep asking for more of them. The organization's ability to keep saying yes depends on finding people who can carry the work into the room.
Check current openings first, then apply through the posting that matches your location and availability.
Schools, after-school programs, and youth organizations that want to host a D2D program rather than teach one can review school and district partnership options.
