JavaScript Jabber8 Elo 2017

JSJ 273: Live to Code, Don't Code to Live with 2 Frugal Dudes Sean Merron and Kevin Griffin

JSJ 273: Live to Code, Don't Code to Live with 2 Frugal Dudes Sean Merron and Kevin GriffinThis episode of JavaScript Jabber features panelists Aimee Knight, Cory House, and Charles Max Wood. Special guests Sean Merron and Kevin Griffin discuss how to live frugally. Tune in to hear their advice![00:02:14] Introduction to Sean and KevinSean and Kevin are the hosts of the 2 Frugal Dudes Podcast. They are middle class software engineers. Sean works a 9 to 5 job, while Kevin owns a small business called Swift Kick. Swift Kick is a company that focuses on independent consulting, software development, and training companies for software development.[00:05:50] Different Types of Financial Advisors There is no legal reason that financial advisors have to work in your best interest. On the 2 Frugal Dudes Podcast, Sean and Kevin advise people to use fiduciary advisors. These types of advisors are not legally allowed to accept kickbacks from different funds. This means that they are more likely to help you to the best of their ability. They get paid for their services. Laws are currently changing so that everyone has to be a fiduciary advisor unless clients sign a specific form.[00:10:00] What do I do with money left over at the end of the month that I can’t put into a 401K and Roth IRA?They suggest that you put only the amount of money in your 401K that your company will match. Then, put the rest into a Roth IRA and max that out. Before you decide to do what next, you need to decide why you are saving money. When will you need the money? What will you need it for? Once you know the answer to these questions, you will be able to assess what your money will best be placed. For example, if you are saving to buy a house you need to put your money in a safe investment. A Roth IRA can be used as a savings vehicle or as an emergency fund. Sean believes that a Bank CD is the safest return you can get.[00:14:30] Best Way to Save For those who are self-employed, it is a good idea to have two emergency funds – a personal and a business fund. Business emergency funds should have five months of personal salary. Kevin built his up over two or three years and uses it as self-insurance.Sean says that the employee world is different. For him, he only keeps the minimum amount in his emergency fund. He knows that he is in a field where his job is in high demand, so feels comfortable with being able to get a job quickly. For others, this may not be the case. Have to evaluate how much to save based on how long you think you may need the money. [00:18:50] What is the first thing people should be doing for their own financial well being?Kevin follows Dave Ramsey’s advice.
- Basic emergency fund. He uses $1,000. Most emergencies fall under that amount of money.
- Get rid of all consumer debt. This includes car payments, credit cards, and student loans. Mortgage is not consumer debt.
- Grow an emergency fund to three or six months of expenses.
- Investments. Setting up retirement funds, paying for college, or mortgages.
Sean values early retirement so he focuses on that. What does retirement mean to me? What does rich mean? You should always track your money through a budget. Then you can funnel money towards emergency funds and tackling debt.Self-insurance means that you don’t have to worry about funds. It helps lower your stress knowing that you have your finances in order. It is a peaceful place to be and opens up opportunities for you. If someone has stressors in their life – for example, their car breaks down – and they have no money to fix it, they now have car and money problems. This stress can then potentially lead to other problems such as marriage problems. If the money to fix the broken car would have been there, it would alleviate stress.[00:28:23] Difference between 401k, IRA, and Roth IRAsA 401k is an employer provided, long-term retirement savings account. This is where you put in money before it is taxed. With this plan you are limited with the funds you can choose from to invest in.IRAs are long-term retirement plans as well. The first type of IRA is a Traditional IRA, which is similar to a 401k. You get tax reduction for the money you put in the account. You pay taxes once you withdraw money. A Roth IRA is where you already pay taxes on money that you are putting in, but don’t have to pay taxes when withdrawing money. You can withdraw contributions at anytime without being penalized, you just can’t take out any earnings.Another thing that is potentially good for early retirement is a Roth IRA conversion ladder. This is where you take money from a 401k and convert it into a Roth IRA and use it before 60 years old to fund early retirement.Traditional IRAs are good for business owners looking for tax deductions now. An HSA (Health Savings Account) can also be used as a retirement device. It goes towards medical expenses if needed.[00:34:20] Are there tools or algorithms I can use to figure this stuff out?There are some. Portfolio Visualizer allows you to choose different portfolio mixes and put different amounts of money in each one. Portfolio Charts is similar to Portfolio Visualizer but gives nice graphics. Sean created a JavaScript website to help people use to figure out early retirement.The hardest part is calculating return because you have to estimate what your return will be each year.[00:39:00] Put Your Money SomewhereThe only bad investment is not making an investment. Even making a bad investment is better than not having any at all. Inflation eats away at money that is just sitting.[00:42:05] If you get one of these advisors what advice should you be looking for?Need someone that tries to understand your particular situation. “It depends” is very true and your advisor should know that. No two people will have the same financial goals. They should want to help reach your goals in the least costly way possible. Other things they should be able to do is be honest and help you control your emotions during upswings and downswings. [00:47:08] Why index funds?As an investor, you can buy an index fund cheaper than buying the whole index. A mutual fund will try to buy and sell the stocks in that index in order to follow the index's performance. As an investor, you have the opportunity to buy into a mutual fund that handles it for you.You don’t have to independently invest in companies either. You can invest in an index instead that will look at, for example, top performing technology companies. It is usually a better value.[00:53:33] How much do I invest in my business verses putting money into a Roth IRA or 401k?Sean thinks it comes down to retirement goals. At some point you will want money to come in passively and retire in the future. If you can passively put X amount of dollars into your company then it can be looked at as a form of investment.Kevin evaluates his business goals every quarter. He creates a business budget based off of those goals.PicksCory
- http://www.amazon.com/dp/0393330338/?tag=chamaxwoo-20
- http://www.amazon.com/dp/1612680011/?tag=chamaxwoo-20
- http://www.amazon.com/dp/1591847818/?tag=chamaxwoo-20
Aimee
- Hacker News Thread – How to Not Bring Emotions Home With You
- http://www.phantogram.com/
Charles
- http://www.amazon.com/dp/1476757860/?tag=chamaxwoo-20
- https://www.daveramsey.com/elp
Sean
- http://www.amazon.com/dp/1501164589/?tag=chamaxwoo-20
- https://www.mrmoneymustache.com/
- http://www.mint.com
Kevin
- http://www.amazon.com/dp/0470102101/?tag=chamaxwoo-20
- https://www.youneedabudget.com/
- http://www.amazon.com/dp/1589795474/?tag=chamaxwoo-20
Links
- https://twitter.com/2frugaldudes
- https://twitter.com/seanmerron
- https://twitter.com/1kevgriff?lang=en
- http://www.swiftkick.in
- http://www.kevingriffin.com
- http://earlyretirementroadmap.com/
- http://2frugaldudes.com
Special Guests: Kevin Griffin and Sean Merron.

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Runtime Security With Gal Weizman - JSJ 565

Gal Weizman has professionally done Browser JavaScript security research for almost a decade and currently works in MetaMask. He joins the show to explain more about his profession as a "Browser Javascript Internals Expert." Moreover, he then talks about his project, "Snow". It is a JavaScript shim that applies an important defense mechanism in the browser to the web app's runtime to allow them to secure their same origin realms. About this EpisodeUnderstanding more Supply Chain SecurityHow Snow ❄️ functionsHow Snow provides added security to your appsLearning more about Realm and Realm SecurityAll about LavaMoatOn YouTubeRuntime Security With Gal Weizman - JSJ 565SponsorsChuck's Resume TemplateDeveloper Book Club starting with Clean Architecture by Robert C. MartinBecome a Top 1% Dev with a Top End Devs MembershipLinksawesome javascript realms security ⭐️Snow ❄️Introduction to SnowIntegrating Snow into MetaMaskLive demoMetaMask: The crypto wallet for Defi, Web3 Dapps and NFTsSocket - Secure your JavaScript supply chainLavaMoatGal WeizmanGitHub: weizmanTwitter: @WeizmanGalThe Magic Of Vue Mastery with Adam Jahr -VUE 205Web Testing And Automations With Playwright - VUE 206 PicksAJ - Dream MachineAJ - H1n Audio RecorderDan - AustraliaDan - Web Directions SummitDan - War in UkraineGal - LavaMoatGal - SeveranceSteve - The science of why you have great ideas in the showerSupport this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

17 Tammi 20231h 28min

How To Plan For Success In 2023 - JSJ 564

Join Charles Wood as he takes on a solo episode this week! He tackles different strategies on how to achieve your goals and aspirations. He motivates the listeners by sharing his personal story of how he was able to climb back up on his feet after getting lost a few years ago. Moreover, Chuck dives into his plans for Top End Devs this year and how he can help developers take control of their careers. On YouTubeHow To Plan For Success In 2023 - JSJ 564SponsorsChuck's Resume TemplateDeveloper Book Club starting with Clean Architecture by Robert C. MartinBecome a Top 1% Dev with a Top End Devs MembershipPicksCharles - Exit: The Game – Advent Calendar: The Mystery of the Ice CaveCharles - topenddevs.social - mastodonCharles - Yellowstone - TV Series | Paramount NetworkCharles - JS Remote ConfSupport this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

10 Tammi 202355min

Qwik Part II With Misko Hevery - JSJ 563

Misko Hevery is the Chief Technology Officer at Builder.io. He is also the creator of Angular.io, known for zone.js, and helped co-create karma. He returns to the show to discuss "Qwik" in greater detail alongside AJ and Steve. No matter how complex your website is, Qwik provides the fastest possible page load times. In contrast to other frameworks, Qwik has special features that make it more user-friendly.About This EpisodeHow Qwik addresses any issueDifferent Qwik features that make it convenient and efficient to useOverview of precision lazy-loadingIntroduction to MitosisOn YouTubeQwik Part II With Misko Hevery - JSJ 563SponsorsChuck's Resume TemplateDeveloper Book Club starting with Clean Architecture by Robert C. MartinBecome a Top 1% Dev with a Top End Devs MembershipLinksQwikPapanasi UI LibraryMitosis FiddleBuilder.io and Qwik - JSJ 540Qwik with Misko Hevery - JSJ 549PicksAJ - Vornado heatersAJ - Replacement Parts for Office ChairsMisko - Flux | Where the world builds hardwareSupport this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

2 Tammi 20231h 27min

WebAuthn With Dan Moore - JSJ 562

Dan Moore is the Head of DevRel at FushionAuth. He joins AJ and Chuck to talk about the new API called, “WebAuthn”. Using biometric, secure authentication techniques, WebAuthn is a new approach for confirming your users' identities. He goes into detail about the usage of this API and how this is a good choice for users to validate web applications with ease and convenience. About this EpisodeFeatures and benefits of WebAuthnRegistration process of WebAuthnWebAuthn With Dan Moore - JSJ 562 | YouTube VideoSponsorsChuck's Resume TemplateDeveloper Book Club starting with Clean Architecture by Robert C. MartinBecome a Top 1% Dev with a Top End Devs MembershipLinksWhat is WebAuthn and why should you care?WebAuthn ExplainedYou can add biometric authentication to your webpage. Here's how.Auth. Built for Devs, by Devs - FusionAuthbest buy supported in DecPassword Free Authentication With Intuit And FIDO AuthenticationPassword-less authentication in NextJS application with WebAuthn and NextAuth - DEV Community 👩‍💻👨‍💻Twitter:@FusionAuthTwitter: @mooredsPicksAJ - UmbrelAJ - Dell OptiPlex Micro (better than Raspberry Pi 4)AJ - CBDCs are totalitarianism in an App and a currency (from Livestream #150)AJ - GitHub & NPM Support TouchID via WebAuthn's "This Device"!AJ - The Con Behind The Crypto Blood Bath – Dirty Secrets RevealedAJ - Vornado HeaterCharles - Cheap computers on Walmart.comCharles - Exit: The Game – Advent Calendar: The Mystery of the Ice Cave | Board Game | BoardGameGeekCharles - - Top End DevsCharles - Google Mail Charles - GmeliusDan - Station Eleven (TV Mini Series 2021–2022) - IMDbDan - Dan's Twitter persimmon pollSupport this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

22 Joulu 20221h 14min

Astro with Fred K. Schott - JSJ 561

Steve and A.J. welcome Fred K. Schott to the show to talk about Fred's latest project, Astro. After initially discussing some of Fred's previous projects (Snowpak, Pika) and the joys of esbuild, they dive into Astro, including how it works, its use cases, and the newly finalized dynamic SSR capability. They finish with some picks going back to the very early web, and, as always, Steve's fabulous dad jokes.JSJ 561 - Youtube Sponsors "Wrangle, who helps with Slack approval workflows."Chuck's Resume TemplateDeveloper Book Club starting with Clean Architecture by Robert C. MartinBecome a Top 1% Dev with a Top End Devs MembershipLinksAstro with Fred K. Schott - VUE 195Introduction - LitAstroArrowJsFred K. SchottTwitter: @FredKSchottPicksAJ - Deku Deals - Nintendo Switch price tracking and wishlist notificationsAJ - NEW! - BonziBUDDY!Fred - Funny eCards - Send Custom Greeting Cards Online w/ JibJab!Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

13 Joulu 20221h 12min

The State of WASM - JSJ 560

WebAssembly (WASM) is a core technology of the Web and supported by all browsers as well as various other runtimes. Yet despite this fact most Web devs don't use it and have little or no familiarity with it. This week we are joined by Istvan Szmozsanszky "Flaki" to discuss some of the significant transformations currently taking place with this tech, which could make it much more mainstream. SponsorsChuck's Resume TemplateDeveloper Book Club starting with Clean Architecture by Robert C. MartinBecome a Top 1% Dev with a Top End Devs MembershipLinksGitHub: flakiFlakiTwitter: @slsoftworksPicksAJ - Savvi Legal: The Legal Hub for the Startup EcosystemAJ - DashCharles - Topenddevs.socialCharles - Tenpenny ParksCharles - World Cup 2022Dan - MoaDan - SnipdDan - Ongoing war in UkraineFlaki - SuborbitalFlaki - GrainFlaki - Support local animal shelterFlaki - DaybreakSupport this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

6 Joulu 20221h 48min

All Things TypeScript with Maina Wycliffe - JSJ 559

Maina Wycliffe is a Full-stack Software Engineer, Google Developer Expert, and Mentor who currently works at Flanksource. He is a Typescript Enthusiast and is the author of All things Typescript. He joins Chuck and Steve as he shares the reason behind starting his newsletter. His main goal is to teach developers to learn more about it and its typing system. About this EpisodeHow Maina handles and future plans in his newsletterAll about TypescriptFeatures of TypescriptTransitioning to Typescript SponsorsChuck's Resume TemplateDeveloper Book Club starting with Clean Architecture by Robert C. MartinBecome a Top 1% Dev with a Top End Devs MembershipLinkstc39/proposal-type-annotationsWeekly Content Development Strategies with GDE Maina Wycliffe - AiA 357Twitter: @mwycliffe_devMaina WycliffePicksChuck - Betrayal at House on the Hill | Board GameChuck - Developer Book Club starting with Clean Architecture by Robert C. MartinChuck - Gather town - Gather AmbassadorChuck - Neverseen (4) (Keeper of the Lost Cities)Chuck - Sign Up For Your DreamsMaina - Watch The Dragon Prince | Netflix Official SiteSupport this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

29 Marras 202253min

How To Recession Proof Your Job - BONUS

Get the Black Friday/Cyber Monday "Double Your Productivity by 5pm Today" DealCoupon Code: "THRIVE" for a GIANT discountAre you looking at all the layoffs and uncertainty going on and wondering if your company is the next to cut back? Or, maybe you're a freelancer or entrepreneur who is trying to figure out how to deliver more value to gain or retain customers?Mani Vaya joins Charles Max Wood to discuss the one thing that both of them use to more than double their productivity on a daily basis.Mani has read 1,000's of productivity books over the last several years and has formulated a methodology for getting more done, but found that he lacked the discipline to follow through on his plans.The he found the one thing that kept him on track and made him so productive that he is now getting all of his work done and was able to live the life he wants.Chuck also weighs in on how Mani's technique has worked for him and allows him to spend more time with his wife and kids, run a podcast network, and a nearly full time contract.Join the episode to learn how Chuck and Mani get into a regular flow state with their work and consistently deliver at work. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

24 Marras 20221h 12min

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