Terry Miller-Newcomb was born at Southern Nevada Memorial Hospital in Las Vegas, Nevada. Her grandparents on both sides were Nevada residents, and her mother and father were born in Reno and McGill, respectively. Her younger sister was born at Sunrise Hospital shortly after it opened.
Miller-Newcomb's father taught drafting and Phys Ed and coached the basketball team at Rancho High School from 1955 to 1958. Her mother, Theresa Drakulich, was hired at the new Ruby S. Thomas Elementary School to teach kindergarten. Terry attended kindergarten through second grades at Tom Williams, and from third grade on went to Ruby Thomas E.S. Her junior high school years were spent at Orr Middle School, and she attended Valley High School through graduation.
Terry Miller-Newcomb's father was hired at the University of Nevada, Las Vegas in 1958 to start the Phys Ed program there. She remembers Frazier Hall and the old gym where she played on the gymnastics equipment while her father conducted basketball practice. Her parents would host a party every Christmas as part of the basketball Holiday Classic program.
Miller-Newcomb chose to attend UNR after she graduated high school in 1974. She was hired at R&R Advertising in the summer of '78 and worked at the Reno office for two years. She then transferred to the Las Vegas office to work as account executive. She oversaw all advertising for Democrat and Republican campaigns, including road signs, radio and TV spots, and billboards.
Between 1984 and 1987 she made several major changes in her life. She started a master's program in a totally new area, worked as a church administrator for an income, and was remarried. She finished her master's in 1987 and opened a private practice in marriage and family therapy in 1988.