Loading
Tap on the profile icon to edit
your financial details.

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 24, 2018

The best way to prepare for retirement is to get a head start by saving early and often, letting your 401(k) accrue interest as you head toward your golden years. But even the best-laid plans may go awry, and sometimes it’s difficult to save for retirement. This can leave seniors relying on Social Security to make ends meet during their retirement.  Read more

by Derek Miller Jan 23, 2018

The job market can change quickly. The decline in manufacturing jobs was a focus during the 2016 presidential election and the BLS projects some jobs like data entry keyers will be in serious decline by 2026. To stay ahead of these trends, and to make sure your savings account never runs dry, it’s a good idea to know what jobs are most in demand. Below we rank those jobs looking at which have the best short- and long-term prospects. Read more

by Derek Miller Mar 28, 2018

Big cities can be challenging places to live. But if you are trying to leave a big city it can be difficult to find a smaller city worthy of moving to. Big cities tend to get the most attention when it comes to cost of living, quality of life and availability of economic opportunity. But there are plenty of smaller cities which are just as, if not more, livable than the big cities. Below we look at data to find the most livable small cities in the country. Read more

by Derek Miller Jan 17, 2018

Many taxpayers fret over where their hard-earned money goes once they’ve paid their share of taxes. This is true for residents of all states. But some states get a better deal when it comes to income… Read more

by Derek Miller Jan 18, 2018

As winter drags on you may catch yourself wondering if summer is ever coming back. But it doesn’t have to be that way. There are plenty of towns across America where it’s possible to spend a few… Read more

by Derek Miller Jan 10, 2018

Many Americans try to reduce the stress of filing taxes by using online tax software or hiring an accountant. In some states getting this tax help is easier than others due to more affordable rates… Read more

by Derek Miller Feb 15, 2018

Around 64% of Americans drink a daily cup of coffee, while 11% drinks four cups or more. This makes coffee not only one of America’s favorite beverages but also the preferred fuel for getting the day… Read more

by Derek Miller Jan 10, 2018

It can be tough to balance work and play. The highest-paying jobs often require the longest hours and the most exciting cities typically come with budget-busting rents. But, while every city has its… Read more

by Derek Miller Dec 29, 2017

Getting in shape is one of the most common New Year’s resolutions in America. Despite this, obesity rates in the U.S. continue to climb. While it’s never easy to hit your fitness goals, some cities… Read more

by Derek Miller Dec 27, 2017

Beer is Americans’ favorite alcoholic beverage, according to a Gallup poll of alcohol-consuming Americans. In fact, except for a short-lived period between 2005 and 2006 Americans, on average, have… Read more

by Derek Miller Dec 19, 2017

STEM jobs are some of the most desired in the country. These jobs tend to offer the best pay and the best benefits. However, as inequality remains a problem in American society, more people are… Read more

by Derek Miller Mar 19, 2018

Starting new businesses is the key to growing any economy. But starting businesses can get expensive, and unless you are a trendy new startup, getting funding can be difficult. While many people may… Read more

by Derek Miller Feb 06, 2018

The economy is finally starting to heat up. In fact, the economy is moving so fast the Federal Reserve recently increased the interest rate in an attempt to thwart potential inflation. But this… Read more

by Derek Miller Jan 16, 2018

One constant in the U.S. economy over the past 40 years has been the ascendency of women in the work place. In 1976 the number of men in the workforce was about 47% higher than the number of women … Read more

by Derek Miller Dec 12, 2017

Housing costs may be the most important factor people consider when choosing where to live. But safety is often a close second. When deciding where to raise a family, for example, many parents place… Read more

by Derek Miller Dec 13, 2017

Flying over the holidays is never an exciting prospect. December means snow in any many parts of the country, and snow means grounded flights, long delays and missed connections. Plus, it seems like… Read more

by Derek Miller Aug 15, 2018

The first cohort of millennials entered the workforce around the time of the Great Recession, when the economy was sputtering. Combine that fact with the constantly changing make-up of the modern… Read more

by Derek Miller Dec 11, 2017

Conferences bring together like-minded individuals for the chance to trade information, network and conduct business. Conferences are also an economic boon to the cities which welcome them, filling… Read more

by Derek Miller Dec 08, 2017

For long periods in this nation’s history manufacturing was the dominant industry, providing jobs and financial security for wide swaths of the population. Today manufacturing is not the force it… Read more

by Derek Miller Nov 28, 2017

It’s hard to overstate the value of an education. An education can boost long-term earnings and open up new career paths. But it can be tricky to measure the precise impact of pursuing higher degrees… Read more

by Derek Miller Nov 20, 2017

Thanksgiving is traditionally known for spending time with family and eating delicious food. But more recently, time spent eating and giving thanks has been losing ground to time spent shopping.… Read more

by Derek Miller Nov 16, 2017

People advise you to do what you love. But sometimes doing what you love doesn’t pay your mortgage bills. Of course, it’s possible to combine your interests with a career with solid earning potential… Read more

by Derek Miller Nov 16, 2017

The United States is the second-most generous country in the world, according to 2016 data from the Charities Aid Foundation. But not all states in the United States are equally generous. Residents… Read more

by Derek Miller Nov 15, 2017

Almost half of renters (46%) spend more than 30% of their income on rent, according to Census Bureau data. This means they are classified as housing cost-burdened based on guidelines from the… Read more

by Derek Miller Nov 09, 2017

Many people decide to become teachers for idealistic reasons. They want the opportunity to teach and mold tomorrow’s generation. However that doesn’t mean teachers cannot make strategic decisions… Read more