Innovating Financial Education: The Power of Financial Field Trips with Whitney Ramirez

In this episode of Real Money, Real Experts, co-hosts Rachael DeLeon and Dr. Brandy Baxter are joined by Whitney Ramirez, founder of Diapers to Deposits and Financial Field Trips, to discuss innovative approaches to financial education that move beyond traditional instruction. Whitney shares how her experiential learning model—“financial field trips”—helps learners apply financial concepts in real-world settings, from visiting banks and apartment complexes to exploring car dealerships. By meeting individuals where they are and building on their existing knowledge, her approach fosters deeper understanding, confidence, and long-term behavior change. We explore key concepts including the financial literacy vortex , the importance of application-based learning, and how educators, counselors, and financial professionals can better engage both youth and adult learners. This conversation offers practical insights for anyone looking to make financial education more impactful, relevant, and sustainable. Show Notes: 03:19 The Story Behind the LED Backpack & Standing Out 04:20 How Financial Field Trips Began 05:28 The FAST Framework Explained 07:01 Applying Financial Education in Real Life 11:13 How Behavior Change Happens 13:24 Why Financial Field Trips Work 15:25 Applying These Strategies with Adult Clients 18:03 Teaching Through Storytelling: The “Loan Shark” Lesson 20:23 Planting Seeds Early in Financial Education 21:08 Whitney’s 2 Cents Show Note Links: Learn more about D2D Youth Money Hub! Connect with Whitney! Want to get involved with AFCPE®? Here are a few places to start: Become a Member, Sign up for an Essentials Course , or Get AFC Certified today! Want to support the podcast? We love partnering with organizations that share our mission and values. Download our media kit.

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Innovating Financial Education: The Power of Financial Field Trips with Whitney Ramirez is an episode from Real Money, Real Experts by AFCPE®.

This episode is 27:15 long.

This episode was published on Mar 31, 2026.

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