Real Money, Real Experts: Tax-Smart Ways to Donate to Charities with Dr. Barbara O’Neill
In this episode of TRUE money, TRUE Whitney Ramirez, founder of Diapers to Deposits and Financial Field Trips, joins experts and co-hosts Rachel DeLeon and Dr. Brandi Baxter, to discuss innovative approaches to financial education that go beyond traditional education.
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 promotes deeper understanding, trust and long-term behavior change.
We explore key concepts including The financial literacy spiralThe importance of app-based learning, and how educators, advisors and financial professionals can better engage young and adult learners.
This talk 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 and its excellence
04:20 How did financial field trips begin?
05:28 Quick frame explained
07:01 Applying financial education in real life
11:13 How does behavior change happen?
13:24 Why do financial field trips work?
15:25 Apply these strategies with adult clients
18:03 Teaching through Storytelling: The “Loan Shark” Lesson.
20:23 Plant the seeds early in financial education
21:08 Whitney 2 cents
Show notes links:
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