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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

I run a personal finance blog. And I do not have kids. When people find out these two facts about me, many of them jump to the conclusion that I don’t have kids BECAUSE I run a personal finance blog (“this dude watches his money, therefore he’s stingy, and limits spending on things that lead to joy and fulfillment, like kids”). It’s a derogatory thing to assume, but whatever, I’m ...
Posted: Aug 20 2017 @ 4:34 PM
A few weeks ago, it was tough to avoid stories in the news media that glorified Jeff Bezos’s ascent to the richest person on earth. And then, just a day later, in a stunning fall from grace, “Bezos dropped to the second richest person as Bill Gates reclaimed the #1 spot!“. This annoyingly petty play-by-play commentary and glamorization of those with obscene levels of wealth has been around for ages. ...
Posted: Aug 06 2017 @ 7:57 PM
Costco has long been known for selling bulk quantities of high quality foods and other consumables at discount prices. And those discounts are even sweeter when they are packaged with the Costco store brand – Kirkland Signature. As a decade-plus Costco customer and occasional beer, wine, and spirits consumer (responsibly and in moderation, of course), I had always found the Costco liquor selection to be somewhat under-developed over the years. ...
Posted: Jul 30 2017 @ 3:06 PM
Most of us pay too damn much for insurance. Let me clarify… I’m not talking about how we shop for insurance, policy discounts we might be missing out on, or which providers we buy from (although all of those certainly can have an impact on insurance premiums). Rather, I’m talking about the level of insurance coverage that we buy. We give insurance companies too much of our money over our ...
Posted: Jul 23 2017 @ 6:22 PM
Aside from housing, my largest expense category, by far, is groceries. This is partly because I’ve cut everything else to minimalist levels, partly because I have expensive/healthy tastes, and partly because I rarely dine out (side note: sadly, restaurant expenses have recently surpassed grocery expenses for the first time ever. As a result, I’ve had a laser-like focus on saving money on my grocery bill for a number of years, ...
Posted: Jul 12 2017 @ 10:49 AM
In honor of Independence Day and the patriotism that we all feel towards our country, let’s veer off the personal finance path for a moment. For starters, if you have read the Declaration of Independence, Constitution, or Bill of Rights lately, please do yourself the favor. No better day than today. After that, let’s start the conversation with this question: “What makes a country “great”?” I think this is a ...
Posted: Jul 04 2017 @ 4:13 PM
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


"This is one of the best, most informative personal finance web sites I've ever seen"

-- Daffy Duck, DaffyIsSoTaffy.com

"This guy clearly knows his shit; with every post, I feel like he's got my back as one of those "savers", and his web site is pretty damn cool, too"

-- Scuba Steve, MyScubaGearIsSoWet.com

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