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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

Long-time readers here know that personal savings rate is one of my favorite personal finance metrics (along with safe withdrawal rate, crossover point, net worth, and “usable net worth”, to name a few). No other metric is as apt at diagnosing your current “personal business” of household cash flow management. In its simplest form, Personal savings rate (over a specified period of time) = net savings (or losses) / total ...
Posted: Mar 12 2018 @ 12:23 PM
Tax and economic policy is a key contributor to personal finance. And it’s important for us to know what kind of policy we’re helping enact when we vote – for our economic future and for our country’s future. I’m a bit of an enigma when it comes to tax policy opinion. I’m a fiscal conservative, but also in favor of more progressive taxation. Irresponsible tax cuts that blow up deficits ...
Posted: Mar 04 2018 @ 6:16 PM
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Posted: Mar 04 2018 @ 6:16 PM
I considered titling this post “CD’s: Nuts to Hold on to Them”, but figured a few 90’s gangsta rap fan pop culture LOL’s weren’t worth the otherwise poor title. See – I’m cool and funny. Jokes aside, if you have a bunch of old compact discs laying around, collecting dust, I think you will be pleasantly surprised at how much they could potentially be worth, with a few selling tips. ...
Posted: Feb 25 2018 @ 9:08 PM
The readership here is heavy on those completing school for the first time and going back to school to further their education. So I’ve updated this post to reflect the 2017 tax year (with notes on what changes for 2018 with the 2018 Congressional budget deal). The good news is that if you’re paying for school (for yourself or others), there are a many education tax credits and deductions available ...
Posted: Feb 19 2018 @ 6:12 PM
A Basic Guide to Help Making Filing your Taxes Easier Tax return season is here. Filing your taxes does not need to be difficult. For most Americans, it can be completed in a few hours or less. However, if you visit the IRS website and have a look around, there really is no simple tax guide to get you started, and things can seem overwhelming. And if you’re a first-time ...
Posted: Feb 18 2018 @ 6:03 PM
Whenever there is a noteworthy stock market decline, a parade of headlines (like this) loudly proclaiming that stocks are on sale are never far behind. They equate investing to retail “door-buster” sales – “Buy now – our prices are so low that they are INSANE!”. But the reality is we really have no clue where stock prices are going to go from here. Even after the recent market declines of ...
Posted: Feb 11 2018 @ 7:32 PM
I’ve now given up hope that the popular Residential Home Energy Tax credits for Energy Star efficiency improvements will be retroactively restored for 2017 as part of some grand budget bargain, as they have previously. It could still happen, but it seems highly unlikely, given the war on “the war on coal”. I’ll update this post if anything, changes, but for now (and 2018), I wanted to get out the ...
Posted: Feb 04 2018 @ 5:00 PM
Tax return e-filing is now open (as of today)! If you haven’t already purchased your tax prep software this year – hold off for a few more days – because I am giving you an opportunity to score free tax prep! The H&R Block giveaway is back – but this year, the game has been upped. I am giving away five $200 key codes for H&R Block online tax prep ...
Posted: Jan 29 2018 @ 2:34 PM


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