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Derek Miller

Mortgage, Retirement and Budget Expert

Derek Miller is a graduate of the University of Edinburgh where he studied economics. He is passionate about using data to help people make better financial decisions. Derek is a Certified Educator in Personal Finance® (CEPF®) and a member of the Society of American Business Editors and Writers. He is a data journalist whose expertise is in finding the stories within the numbers. Derek's writing has been featured on Yahoo, AOL, and Huffington Post. He believes the biggest financial mistake people make is waiting too late to save for retirement and missing out on the wonders of compounding interest. Derek lives in Brooklyn.

Posts by Derek Miller:

by Derek Miller Jan 08, 2018

There are 2.6 million workers in the United States who are paid at or below the federal minimum wage, according to the BLS. About half of these workers are over the age of 25, including adults who support themselves and their families on the minimum wage. What happens when minimum wage workers want to buy a home? In some cities, high home values and low minimum wages may make this almost impossible. Read more

by Derek Miller Oct 25, 2017

Whether it’s $14 avocado toasts, $5 lattes or $1,000 iPhone Xs, millennials have become the punchline of many jokes for their alleged profligacy. But is this reputation earned? SmartAsset gathered spending data to analyze millennial money habits. Read on as we discover how single male and female millennials spend their money. Read more

by Derek Miller Apr 04, 2018

North Carolina is the ninth-most populous state in the country. Millions of parents in the Tar Heel state have to decide where to raise families. Should they go to Charlotte, a bustling city with the third-largest banking sector in the country? Or head west to live near the Great Smoky Mountains? Below we look at factors like housing affordability and job opportunity to find the best places in North Carolina to raise a family. Read more

by Derek Miller Oct 19, 2017

As the effects from climate change become more and more apparent, many Americans are wondering what they can do. For some that means recycling more or using less water. For others, it might mean… Read more

by Derek Miller Oct 18, 2017

Just under 10% of Americans chose Halloween as their favorite holiday, according to a 2015 Harris Poll. The chance to dress up and eat candy is always a treat, especially for the younger generation.… Read more

by Derek Miller Oct 18, 2017

Oregon is known for its geographic diversity. The dense forests and bodies of water which dot the Oregon countryside make it a haven for nature lovers. And there are big populous metro areas like… Read more

by Derek Miller Oct 12, 2017

Finding the right place to buy a family home can be difficult. Families with more than one child need enough space to live comfortably. But larger homes can be tough to find, especially large homes… Read more

by Derek Miller Feb 14, 2018

Americans love to tout their hard-working natures. In fact, among countries in the Organization for Economic Cooperation and Development (OECD), the average American ranks around 13th for most hours… Read more

by Derek Miller Oct 10, 2017

It’s widely accepted that baseball is America’s pastime, but for many people baseball starts and ends with the major leagues. However, there are over 150 teams plying their trade in the minor leagues… Read more

by Derek Miller Nov 20, 2017

Raising a family in a small city can be an enriching experience. Small cities come without much of the hustle and bustle of larger cities or the sky-high costs of living. Plus, many small cities… Read more

by Derek Miller Oct 04, 2017

Visitors made 82 million trips to national parks across the United States in 2016, according to data from the National Park Service. That’s 17 million more visits than were made in 2012. But which… Read more

by Derek Miller Jan 16, 2018

How much home you can afford depends on your income. Many experts recommend that homebuyers should generally purchase homes worth 2.5 times their annual income. Yet, in many of the largest cities… Read more

by Derek Miller Sep 28, 2017

High rents are forcing more and more people to live with roommates. The Census estimates that 5.8 million Americans currently have a roommate. The benefits from living with another person vary from… Read more

by Derek Miller Sep 27, 2017

For many Americans, being your own boss is a long-held aspiration. But striking out on your own can be challenging and risky. There are many factors that can add potential roadblocks to people hoping… Read more

by Derek Miller Sep 27, 2017

The best places to live are often the most expensive. This is especially true in some of the biggest cities in the country. But there are still some fantastic places in the United States boast more… Read more

by Derek Miller Sep 21, 2017

Data from the Census Bureau shows that the average full-time working woman earns about 80% of what the average full-time working man does. But this pay gap is different across every profession. Below… Read more

by Derek Miller Oct 17, 2017

Capital cities can be the best places to live in their states. They tend to have low unemployment rates, are the focal point for political activity for the state and are sometimes even affordable.… Read more

by Derek Miller Sep 19, 2017

As any young professional knows, where you start your career is important. You want to be in a place that offers high pay and good opportunities. Unfortunately, some of the places that come to mind… Read more

by Derek Miller Oct 17, 2017

Stress can be hard to avoid. In fact trying to avoid stress can itself be stressful. Almost everyone is worried about how much sleep they are getting or how many workouts they are missing. For many… Read more

by Derek Miller Sep 13, 2017

Americans don’t move as much as they used to. According to Census Bureau data, Americans in 1948 moved almost twice as often as Americans in 2016. In fact, the current rates at which Americans move… Read more

by Derek Miller Mar 01, 2018

Deciding where to move for work can be a daunting challenge. Is moving to a less affordable area in order to take a higher income going to end up doing more damage to your budget than its worth? And… Read more

by Derek Miller Sep 07, 2017

Colorado is an attractive state to raise a family. The unemployment rate is low and the state offers access to some of the best natural attractions in the country. Home prices are also on the rise in… Read more

by Derek Miller Oct 17, 2017

Most people have a budget in mind when they spend money. But people in different cities tend to spend in different ways. For example in New York, the population density means high housing costs, but… Read more

by Derek Miller Sep 06, 2017

There’s no question that pizza is one of the most beloved foods in America. According to a USDA report, about one in eight Americans consume pizza on any given day. That number jumps to one in four… Read more

by Derek Miller Sep 07, 2017

Young adults today are less likely to move than they were in previous generations. Data from the Census Bureau shows that the mobility rate for young adults is at the lowest rate it has been at in 50… Read more