top of page
Profile
Join date: Nov 5, 2022
About
Whitney Ramirez, AFC® is a Maryland-based financial literacy expert and the founder of Diapers 2 Deposits. With a mission to bridge the wealth gap, she provides AFC®-backed financial education virtually and in-person for youth across Maryland, Washington D.C., and the NYC five boroughs.
A recognized leader in the field, she is the 2025 Inspire MD Award winner and the creator of the trademarked FinancialField Trips® program. Her work has been supported by the Montgomery County Collaboration Council and Baltimore Children and Youth Fund (BCYF). When she isn't leading workshops for partners like Student Leadership Network or The Young Women’s Leadership Schools, she can be found speaking at national conferences on youth financial empowerment.
Posts (93)
Aug 31, 2026 ∙ 8 min
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.
1
0
Aug 26, 2026 ∙ 8 min
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.
1
0
Aug 25, 2026 ∙ 8 min
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, $5, $10 and $20...
6
0
bottom of page