Maryland Financial Literacy Leader Unveils ‘F.A.S.T. Framework’ to Address Statewide Youth Financial Capability Gap
- Diapers 2 Deposits
- 2 days ago
- 2 min read
FOR IMMEDIATE RELEASE
MARYLAND, USA — January 12, 2026 — Diapers 2 Deposits, Inc. (D2D), a premier Maryland-based financial literacy organization and 2025 Maryland Chamber of Commerce Rising Star, today announced the official launch of the F.A.S.T. Framework. This proprietary educational system is designed to transform traditional financial education into an immersive, high-retention learning experience for Maryland’s youth and young adults.
As schools across the state look for innovative ways to meet evolving educational standards, D2D’s F.A.S.T. Framework offers a research-backed alternative to passive learning. By integrating behavioral neuroscience and social-emotional development, the model ensures that students don't just "pass a test," but develop lifelong financial habits.
The F.A.S.T. Framework Components:
F – Financial Literacy & Field Trips: Merges 10 core instructional domains with experiential learning at banks, local businesses, and investment firms.
A – Application (The Financial Literacy Vortex™): A proprietary learning model that moves students from Awareness to Mastery using the "Learning Pyramid," achieving up to 90% knowledge retention.
S – Standards: Precise alignment with education standards in Math, ELA, Social Studies, and financial literacy, ensuring the program is a core academic asset.
T – Theories: A multidisciplinary foundation built on NeuroFinance, CASEL Social-Emotional Learning (SEL), and the Spiral Curriculum theory.
"Traditional financial education often fails because it lacks connection to real-world contexts and ignores the social-emotional aspects of money," says Whitney Ramirez, AFC®, Founder & CEO of Diapers 2 Deposits. "With the F.A.S.T. Framework and our Financial Literacy Vortex™, we are providing a scalable, evidence-based system that works for any student, in any state, across the nation."
The F.A.S.T. Framework is currently being deployed in programs across Montgomery County, Baltimore County, New York City, and homeschool co-ops, with plans to expand statewide through 2026.
About Diapers 2 Deposits, Inc. Diapers 2 Deposits is an award-winning, Maryland-based financial literacy organization. Led by an Accredited Financial Counselor (AFC®), D2D empowers the next generation of leaders through its proprietary F.A.S.T. Framework and immersive "FinancialField Trip" programs.
Media Contact:
Whitney Ramirez, AFC®
Founder & CEO, Diapers 2 Deposits, Inc.
Email: savvy@diapers2deposits.com
Website: www.diapers2deposits.com
Phone: (844) 70 - SAVVY
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