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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 for Advancing Business Editing and Writing. 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 Nov 09, 2017

One of the most pressing concerns for the economy today is the gender pay gap. Different sources will give different figures, but almost all data shows that on average women get paid less than men. This is true across occupations, education levels and age. The good news is that data also shows that this gender pay gap is shrinking. In fact, in some cities the gender pay gap has almost disappeared. Below we look at the cities where the gender pay gap has closed the fastest. Read more

by Derek Miller Sep 20, 2018

Do you want to retire early? Starting your golden years sooner may sound enticing but it’s a difficult proposition. You’ll probably need to earn a lot, and you’ll definitely need to save aggressively and budget carefully. There are some states in the U.S. that are better suited for retirees, where your retirement savings would go further. Below SmartAsset finds the best states for an early retirement in 2017. Read more

by Derek Miller Apr 02, 2018

Update December 2017: On December 20, the Senate passed the new GOP tax bill that marks the biggest rewrite of the tax code in decades. Later the same day, the House also gave final approval to the bill. On December 22, it was signed into law by President Trump. This study takes a look at an earlier version of Trump’s tax plan that was released on November 2. That version of the plan, reduced the number of tax brackets from seven to four. The final version of the plan that Congress passed keeps the seven tax brackets but reduces some of the rates. For more on the latest version of the tax bill, see this article. Read more

by Derek Miller Nov 09, 2017

Nursing is one of the fastest-growing occupations in the country, according to data from the Bureau of Labor Statistics. But in some places that growth is higher than in others. Additionally a nurse… Read more

by Derek Miller Nov 07, 2017

The unemployment rate in the U.S. hit 4.2% in September 2017, according to Bureau of Labor Statistics. This is the lowest it’s been in a decade, since the start of the Great Recession. While a low… Read more

by Derek Miller Mar 16, 2018

What makes a city a great place to live? You’ll probably get a different answer from every person you ask. But there are some factors that the majority of people would agree makes a city livable. For… Read more

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… 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… 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… 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 Apr 17, 2019

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