D2D Unveils ‘The Financial Literacy Vortex™’: A 3-Stage System to Reverse the Negative Cycle of Poverty

FOR IMMEDIATE RELEASE

SILVER SPRING, MD — January 14, 2026 — Diapers 2 Deposits, Inc. (D2D) today released the internal mechanics of its proprietary learning model, The Financial Literacy Vortex™. While traditional financial education focuses on single tasks such as "balancing a checkbook," the Vortex addresses the systemic nature of money through a three-stage spiral that begins in first grade.

The Power of the Vortex: Positive vs. Negative. The Vortex model is grounded in financial momentum. A "Negative Vortex" occurs when a single event, such as job loss, spirals into asset depletion, debt, and loss of insurance coverage. D2D’s mission is to install a Positive Vortex through education, where increased income leads to debt elimination, asset building, and total financial freedom.

"The tools to turn a financial life around are the same whether you are six or sixty," says Whitney Ramirez, AFC®, Founder & CEO. "By starting the Vortex in 1st Grade, we make financial success a habit rather than a rescue mission."

The 3 Stages of Mastery:

1. Foundation Stage (Grades 1-5): Focuses on Financial Psychology and D2D’s unique emphasis on Credit & Debt. By teaching credit fundamentals before they are needed, D2D makes interest optional rather than inevitable.

1. Growth Stage (Grades 6-8): Focuses on Business Relations and Risk Management. Students learn to navigate professional networks and protect their assets before entering the workforce.

1. Wealth-Building Stage (Grades 9-12): Moves into Investments and Social Enterprise, teaching students to build generational wealth and use business for social good.

Media Contact:

Whitney Ramirez, AFC®

Email: savvy@diapers2deposits.com

Website: www.diapers2deposits.com

Phone: (844) 70 -SAVVY

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