Youth Financial Literacy Advocate
Parents Prevent Statistics Through Early Financial Discipline.
Adelo Ramirez's: why?
Purpose. Discipline. Legacy
In 2016, after my business had generated over $1.4 million, I found myself with only $400 left to my name. Losing everything forced me to confront a truth I had never been taught: financial stability isn’t luck — it’s learned. And I hadn’t learned it early enough. That moment became the turning point that revealed my WHY: to make sure young people never enter adulthood as unprepared as I once was.
I became a Youth Financial Literacy Advocate because every student deserves the chance to build lifelong money habits before real‑world consequences hit. My mission is to give middle and high school students the guidance, structure, and clarity I wish someone had given me long before adulthood.
My trademarked message, Find Solutions, Not Excuses!®, reflects the heart of my work — a practical, disciplined approach that helps teens shift from spending to saving, from reacting to planning, and from short‑term thinking to long‑term vision.
A key part of my system is simple:
teachers learn it first using their own real salaries and real expenses.
By practicing the daily routines with their own rent, groceries, electric bills, car insurance, and monthly payments, educators experience firsthand how the system works. This prepares them to teach students using their real numbers — their allowance, their parents’ actual salaries, and the real costs of living. When teachers understand the system through their own lives, they can guide students with authenticity, confidence, and clarity.
Whether I’m writing, speaking, or partnering with schools, my WHY remains the same:
to empower the next generation with the confidence and financial foundation they need to build stable, independent, and opportunity‑filled lives.
Build Financial Discipline, Not Just Spending Habits!
What I Offer: Empowerment Through Financial Literacy & Brand Identity
I help students and educators unlock financial clarity and build lifelong money habits for teens. With my book, you’ll learn hands-on money management skills to manage finances, avoid impulsive spending, and start investing early — all through real-life scenarios designed for middle and high school students.
Whether you’re a school leader seeking effective youth financial literacy programs or an advocate for lasting change, I offer sequenced, aligned solutions built for long-term impact.
Whether you’re an adult looking to change your own spending habits or a parent determined to guide your children, this book provides practical tools to break free from trap spending and develop financial discipline, making it an essential resource for every personal finance educator.
Contact Me:
Questions or Comments?
You can send me a message or ask me a general question using this form about financial literacy or money management. As a Personal Finance Youth Advocate, I am passionate about teaching money habits for teens. I will do my best to get back to you soon!
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Adelo Ramirez-Finance Author
10 E 39th St Suite 1127. New York, NY 10016
Direct: +1.3322942875 Email: info@adeloramirez.com
Hours
Today | Closed |
