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 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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Partytown with Adam Bradley - JSJ 550

Partytown with Adam Bradley - JSJ 550

Today we talk with Adam Bradley, the Director of Technology at Builder.io. He previously worked at Ionix as a creator of Ionic Framework, a mobile UI interface builder for web applications, and StencilJS which powers Ionix. Currently he works on both Qwik and Partytown at Builder.io.In today’s episode we dive into Partytown, discussing the unique ways it improves website performance. When there are so many third-party scripts injected into the average website, you can quickly lose control of speed. We learn how Partytown addresses this with a remote web worker, and how it still gets the data it needs synchronously. SponsorsTop End DevsRaygun | Click here to get started on your free 14-day trialCoaching | Top End DevsLinksGitHub: BuilderIO/partytownGitHub: BuilderIO/qwikBuilder.ioRun Third-Party Scripts From A Web WorkerGitHub: Adam BradleyTwitter: @adamdbradleyPicksAdam- uvuAdam- @playwright/testCharles- Irish GaugeCharles - Book Club for developer books (coming soon)Charles - How to Stay Current Course (coming soon)Charles- JavaScript Remote Conference 2022Charles- ActiveCampaign - #1 Customer Experience Automation Platform - ActiveCampaignDan- TPAC 2022Dan - War in UkraineSteve - Dad JokesSupport 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.

20 Syys 20221h 16min

Qwik with Misko Hevery - JSJ 549

Qwik with Misko Hevery - JSJ 549

Today we talk with Misko Hevery about solving the loading speed issue for websites constructed using JavaScript frameworks. Such websites are often slow to load, which is detrimental to their ability so succeed. After 16 years at Google, where he created Angular, he now works on the Qwik framework at Builder.io, a headless visual CMS. We learn how Qwik dramatically improves page speed metrics through an innovative architecture that enables resumability instead of hydration. We talk about how this is implemented, and about how you can get started with it. SponsorsTop End DevsCoaching | Top End DevsLinksng-conf 2022Builder.io and Qwik - JSJ 540Core Web Vitals and Whatnot - JSJ 537JSJ 476: Understanding Search Engines and SEO (for devs) - Part Resumable Frameworks: | Miško Hevery | ng-conf 2022 WebinarFramework reimagined for the edge!Twitter: Miško Hevery PicksAJ- JULIAN SMITH - MalkAJ- webinstall.devAJ- Watch The Sandman | Netflix Official SiteCharles- JavaScript Remote Conference 2022Charles- HomeDan- Gentleman Bastard SeriesDan - War in UkraineMisko- Thinking, Fast and SlowSteve - Dad JokesSupport 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 Syys 20221h 11min

Web Performance and the Google WordPress Team with Felix Arntz - JSJ 548

Web Performance and the Google WordPress Team with Felix Arntz - JSJ 548

Today we talk with Felix Arntz, a developer relations engineer at Google.  Hired on the Google WordPress team, and involved with the Sidekick plugin, we discuss some of the challenges and approaches of improving performance on WordPress sites, as well as other open source CMS’s. SponsorsTop End DevsRaygun | Click here to get started on your free 14-day trialCoaching | Top End DevsLinksCore PerformanceSlackWordPress + SlackTwitter: @DanShappirTwitter: @wonder95Twitter: @JSJabber- Top End DevsFelix ArntzTwitter: @felixarntzGitHub: felixarntzPicksAJ- Just Use An npm PackageAJ- Engineering FestivusAJ- Caddy 2 - The Ultimate Server with Automatic HTTPSAJ- webinstall.devDan- Watch Better Call Saul Season 6 Online | AMCDan- Web DirectionsDan - War in UkraineFelix- Prey (2022) - IMDbFelix - Man jumps out of plane at 25,000 ft without parachuteSteve- A New Vertical Farm Will Grow 3 Million Pounds of Mycelium a Year for Fungi-Based BaconSteve - Dad JokesSupport 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 Syys 20221h 24min

Supply Chain Security with Stephen Chin - BONUS

Supply Chain Security with Stephen Chin - BONUS

There is no question that the volume, sophistication, and severity of software supply chain attacks is on the rise.  How do you navigate your supply chain security?  Stephen Chin joins the show today to discuss various strategies and action plans for how to best prevent and address these types of attacks. In this episode…Where do you start with supply chain security?Spotting attackers and preventionHow do you know who to trust?Dependency injections and malicious packages Network reliability and uptimePyrsia and JFrog as software toolsConnect with Stephen ChinTwitter: @steveonjavaLinksDevOps Tools for Java DevelopersThe Decentralized Package Network | Pyrsia.ioSoftware Supply Chain to Release Fast & Secure, Continuously | JFrogSupport 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 Syys 202243min

Even More JavaScript Features You Should Avoid - JSJ 547

Even More JavaScript Features You Should Avoid - JSJ 547

Today’s episode is a continuation of the previous JavaScript Jabber Episode 543, where we discuss JS language features to avoid.  Do you agree with the list?  Today we talk about:for inforEachelsenullobject.createA named function using the arrow operator switchlabels SponsorsTop End DevsCoaching | Top End DevsPicksCharles- OrbisCharles- Diablo ImmortalCharles- Richard Paul EvansCharles- JavaScript Remote Conference 2022Charles- - Top End DevsDan- John Carmack: Doom, Quake, VR, AGI, Programming, Video Games, and RocketsDan - BuilderIO framework benchmark mitosisDan - War in UkraineSteve- James Webb Space Telescope Shows Big Bang Didn't Happen? Wait...Steve - Dad JokesSupport 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.

30 Elo 20221h 15min

Vue Courses, Top End Devs, and More... Oh, My! - JSJ 546

Vue Courses, Top End Devs, and More... Oh, My! - JSJ 546

Today Steve and Charles talk about the many updates and events coming to Top End Devs, from upcoming conferences to new courses and content.  Check out the conference lineup at https://topenddevs.com/conferences.  If you are interested in building courses or would like to speak at any of the conferences, contact Charles.  We also dive into a conversation about what it really means to be a 10x developer and a top 1% developer. SponsorsTop End DevsCoaching | Top End DevsLinksOverview - Nuxt 3 Essentials | Vue MasteryAtomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones- Podcast Playbook- Top End Devsvue/CHANGELOG.mdPicksCharles- QuiddlerCharles- Chart.jsCharle- Business Software and Services Reviews | G2Steve- JSON Creator Douglas Crockford Interview by EvroneSteve - Dad JokesSupport 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.

23 Elo 202248min

JavaScript and IoT with Nick Hehr and Peter Hoddie - JSJ 545

JavaScript and IoT with Nick Hehr and Peter Hoddie - JSJ 545

Steve, Dan and A.J talk with Nick Hehr and Peter Hoddie about using JavScript with IoT devices. They cover a wide range of topics, including the XS JavaScript Engine, the only complete ECMAScript 2018 engine optimized for embedded devices (created by Moddable), and even get into the nitty gritty of how it is built and how it works. They also cover TC53 - the standards committee for JS in embedded systems, a committee that Nick and Peter are part of. In picks, they get into a great discussion on home security systems and their various security issue, and of course, Steve brings the great dad jokes. SponsorsTop End DevsRaygun | Click here to get started on your free 14-day trialCoaching | Top End DevsLinksTC53Resuscitating IoT with JavaScript - Peter Hoddie & Lizzie Prader, Moddable - YouTubeECMA-419: The ECMAScript Embedded Systems API and J5e - Donovan Buck, BrandExtract - YouTubeHipsterBrownModdableTwitter: @hipsterbrownTwitter: @phoddiePicksAJ- GitHub - BeyondCodeBootcamp/jsdoc-typescript-starterAJ- Typing without TranspilationAJ- Eyeglasses Online | Eyewear for Everyone™ | Zenni OpticalAJ- Amazon.com. Spend less. Smile more.AJ- Oakley MX L Frame Adult Tear-Off Off-Road/Dirt Bike Motorcycle Eyewear AccessoriesNick -MicrocenterNick- Abode Home Security - #1 DIY Wireless Home Security SolutionNick-  Build With Matter | Smart Home Device SolutionPeter- The Extensible Web ManifestoPeter- Fanny Mendelssohn - WikipediaSteve-  Introducing multitasking to Arduino | Arduino BlogSupport 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.

16 Elo 20221h 38min

The Story of Mel with Tomer Lichtash and David Frankiel - JSJ 544

The Story of Mel with Tomer Lichtash and David Frankiel - JSJ 544

Today we have special guests Tomer Lichtash and David Frankiel, a web developer and programmer behind the epic hacker folklore project The Story of Mel, a comprehensive guide to The Story of Mel.   This story, which has survived through all the changes in the internet since its birth in 1983, and has morphed through all its iterations into something almost poetic in nature.  This allegory tells the story of the birth of of high-tech culture as we know it today, and creates some heated debate among our panelists as to the validity of its meanings.  Tomer and David tell some of the back story into their journey to discover if the story is a hoax, or if is truly real. SponsorsTop End DevsCoaching | Top End DevsLinksMel's Loop - A Comprehensive Guide to The Story of MelCreeds of Craftsmanship · Issue #18 · BeyondCodeBootcamp/beyondcodebootcampTwitter: @tomerlichtashtomerlichtash - OverviewPicksAJ- Form follows function - WikipediaAJ- dotGo 2015 - Rob Pike - Simplicity is ComplicatedAJ - The UnexplainedDan - Downturn in the Tech IndustryDan- The Thief, His Wife and the Canoe (TV Mini Series 2022) - IMDbDan - War in UkraineDavid- What is Windows Presentation Foundation - WPF .NETDavid - Nouran ZoharDavid - In theory there is no difference between theory and practice, but in practice there is.Tomer - Net Pioneers 1.0Tomer- Post-Gogol World, by The Daniil KharmsSupport 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.

9 Elo 20221h 6min

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