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G.E. Miller

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20 Something Finance
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Ann Arbor, Michigan, United States
Life stage:
DINK (Dual Income, No Kids)

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Latest Blog Posts

As a unionized nurse, Mrs. 20SF has the benefit of receiving scheduled pay raises with each year of additional service. This is especially wonderful in years when inflation and wage increases are stagnant – she keeps moving forward while those that work for employers who aren’t under a union contract may be stuck in quicksand in the name of fiscal responsibility (enhancing their employers bottom line at the employees expense). ...
Posted: Jun 25 2017 @ 5:45 PM
As human beings, we have the intellectual capacity to recognize that having certain things in our lives can add function, safety, entertainment, comfort, and even happiness at times. For example: Getting quickly from point A to point B adds value through function. Having four walls and a roof surrounding us adds value through safety and comfort. Having insurance adds value through removal of risk. Having gadgets adds value through function ...
Posted: Jun 11 2017 @ 2:26 PM
A few years ago, I moved a Traditional and Roth IRA account from ETrade to Ally Invest (formerly known as “TradeKing” at the time, prior to being acquired by Ally Bank). I had long been a fan of TradeKing as a great online broker option for a number of reasons, and with the change, I wanted to share my first impressions on the change and give a first-look Ally Invest ...
Posted: Jun 03 2017 @ 5:39 PM
The IRS recently published an inflation adjustment increase to the maximum HSA contribution for 2018, and there will be in increase over the maximum HSA contribution for 2017 (also highlighted in this post). More specifically, both the individual and family contribution maximums will increase from 2017 to 2018, which is great news for savers. If you’ve been following along, you know that I have been a big fan of health ...
Posted: May 28 2017 @ 3:28 PM
Conformity can take you a long ways in many areas of your life. That is why we all participate in it – consciously or not. Even if we take pride in our uniqueness, it’s nearly impossible to avoid being a conformist in some areas of your life. Ponder for a moment just how ingrained it is for most of us, most of the time: We conform to certain behaviors, rituals, ...
Posted: May 19 2017 @ 5:23 PM
Saddle up, here we go. Let’s cut right to it – the AHCA (aka “Trumpcare”) legislation that Paul Ryan and House Republicans passed last week, at its core, trades the lives of Americans for tax cuts to the extremely wealthy. It’s not a “plan”, it’s not “reform”, it’s a $765 billion tax cut for the 1%, with window dressing to deceive. It is the single largest redistribution of wealth from ...
Posted: May 08 2017 @ 6:01 PM
The recent “Bumpgate” incident (I prefer “Drag-gate”) from United, in my mind, is not too dissimilar from the situations that have led to Comcast and Epipen (among others) taking advantage of their customers. All are systemic examples of what happens when unchecked capitalism leads to monopolistic control in an industry. The three major U.S. airline carriers – United, American, and Delta are technically an “oligopoly”, which is defined as: “A ...
Posted: Apr 26 2017 @ 10:43 AM
Let’s delve into some philosophy, shall we? Have you ever met a very financially successful individual (i.e. a business owner, CEO, or celebrity) and been absolutely dumbfounded as to just how in the world they got where they are? On the flip side, have you met a super sharp individual with a strong work ethic and been similarly dumbfounded that they never ascended to a more prestigious position? What separated ...
Posted: Apr 19 2017 @ 9:43 AM
When the tax deadline arrives, if you do not file a return on time, it will result in a tax penalty. You can, however, file an IRS tax extension to avoid a late filing penalty, and it’s a whole lot easier than you probably thought, if you haven’t filed for one before. There are a lot of reasons why you might not be ready to file your taxes by the ...
Posted: Apr 15 2017 @ 4:07 PM
If you have self-employment income, SEP IRA’s are a great vehicle for turbo-charging your retirement savings while simultaneously reducing your tax obligation. The only downside to SEP IRA’s is that they aren’t the most intuitive. But don’t let that dissuade you – becoming familiar with a few basics goes a long ways. When you make a contribution to an SEP IRA that you manage, you have the option to contribute ...
Posted: Apr 11 2017 @ 8:41 AM


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