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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Splatty-doo and Other JavaScript Features You Should Avoid - JSJ 543

Splatty-doo and Other JavaScript Features You Should Avoid - JSJ 543

Today in this all panelist episode, we talk about JS features you should avoid using.  However opinions don't always align, and some come with much debate!  Although we couldn’t cover them all, today we discuss:eval withargumentsdo while for I++continue classesprototypesthisvar with letdeleteSponsorsTop End DevsRaygun | Click here to get started on your free 14-day trialCoaching | Top End DevsLinksJavaScript Remote Conference 2022Twitter: ‎@cmaxwPicksAJ- Virginia Ctenucha Ctenucha virginica (Esper, 1794) | Butterflies and Moths of North AmericaAJ- The Mistborn Trilogy by Brandon SandersonAJ- Thread pitch gauge at Lowes.com: Search ResultsCharles- AntidoteCharles- Conferences | Top End DevsCharles- 1883 - Yellowstone Prequel (Official Site) Watch on Paramount+Dan- Can I use... Support tables for HTML5, CSS3, etcDan - War in UkraineDan- Webb Space Telescope GSFC/NASASteve- Coworker Standing At Desk Obviously Just Hasn't Learned About Chairs YetSteve - 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.

2 Elo 20221h 16min

Upcoming Performance Metrics for the Web - JSJ 542

Upcoming Performance Metrics for the Web - JSJ 542

Today we have three guests on the show, Annie Sullivan, Yoav Weiss, and Michal Mocny, all of who are engineers who work for Google on the Chrome Web platform.  Looking forward to Google’s new developments for measuring web performance, we dive deep into upcoming performance metrics Largest Contentful Paint (LCP) and Interaction to Next Paint (INP), a full page lifecycle metric.  We discuss what user page interactions we can measure successfully and which we cannot.  We discuss the challenges of single-page applications when looking at core web vitals. SponsorsTop End DevsCoaching | Top End DevsLinksTop End Devs | ConferencesTwitter: @anniesullieTwitter: @mmocnyTwitter: @yoavweissPicksAJ- GothamGo 2018 - Things in Go I Never Use by Mat RyerAJ - AmericaAnnie- Keynote by Mr. Thomas Dullien - CyCon 2018Charles- Just OneDan - Felix Arntz and WordPress PerformanceDan - WatermelonsDan - War in UkraineMichal- Single Handed PodcastMichal - Samurai CarpenterSteve - Dad JokesYoav - No meetings weekYoav- TPAC 2022Yoav- performance.now(); October 27-28, 2022, AmsterdamSupport 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.

26 Heinä 20221h 16min

Navigating Online Events and Conferences - JSJ 541

Navigating Online Events and Conferences - JSJ 541

Today, in this all-panelist episode we talk about upcoming online events and conferences.  With upcoming Top End Devs meetups and conferences, starting in August, we talk about all the benefits of being in person at an event, and the camaraderie at and after the event.  We talk about the ways that Airmeet allows for a good connection between the speakers and audience.  You’ll also pick up some tips on becoming a speaker at one of these events. SponsorsTop End DevsRaygun | Click here to get started on your free 14-day trialCoaching | Top End DevsLinksTop End Devs | ConferencesGitHub - dadoomer/markdown-slidesThe Original Skunk Works - Nickolas Means | The Lead Developer UK 2017PicksAJ- CrowdNode Masternode Hosting - CrowdNodeAJ- coolaj86/crowdnode-cliAJ- Uniquely Human: A Different Way of Seeing AutismCharles - Airmeet.comCharles - Riverside.fmCharles - Devchat.tvCharles - Premium podcasts from Top End Devs are coming soon!Charles - TopEndDevs.comCharles - Dice ForgeCharles- JavaScript Remote Conference 2022Dan- The Curious Incident of the Dog in the Night-Time: A Novel (Vintage Contemporaries)Dan - The importance of taking care of your bodyDan- Web DirectionsDan - War in UkraineSteve- Vue MasterySteve - 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.

19 Heinä 20221h 7min

Builder.io and Qwik - JSJ 540

Builder.io and Qwik - JSJ 540

Today we talk with Steve Sewell, co-founder and CEO of Builder.io, about their visual editor and designer which connects to many open source systems.  Running within a website wysiwyg, it integrates with most modern front end frameworks, such as React, Due and Svelte.  We discuss how it functions and connects to various systems.  We also dive into the backstory of how and why builder.io created their framework called Qwik. SponsorsTop End DevsCoaching | Top End DevsLinksSteve - Builder ioDrag and drop page builder and CMS - Builder.ioTop End Devs | ConferencesTopEndDevs (@topenddevs) TikTok | Watch TopEndDevs's Newest TikTok VideosTwitter: @Steve8708Steve (Builder.io) (u/steve8708) - RedditInstagram: steve8708TikTok: steve8708PicksAJ- Sapiens: A Brief History of HumankindAJ- JavaScript: The Good Parts: The Good PartsCharles- Lost Ruins of ArnakCharles- Top End Devs | ConferencesCharles- Anedot | Powerful giving tools made easyDan - Callout to Twitter thread comparing Copilot to tabnineDan- Spinning Silver: A NovelDan - War in UkraineSteve Edwards - GitHub Copilot available to all developerSteve Sewell - TikTokSteve Sewell - DesignerTom (@designertom) TikTok | Watch DesignerTom's Newest TikTok VideosSupport 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.

12 Heinä 20221h 24min

Hydrogen and Oxygen - JSJ 539

Hydrogen and Oxygen - JSJ 539

Today we talk with Josh Larson a senior staff developer at Shopify who is front and center in development of Hydrogen.  We learn how Hydrogen addresses the varying needs of shop owners to build storefronts quickly and effectively.  With rendering on the server only, this metaframework provides a toolkit helping customers build a more customized web presence.  We learn about Oxygen, which allows customers to host and deploy Hydrogen. We also discuss the decision behind the decision to use React to build this framework, how the framework provides super-custom experiences for the user, and discuss some of the technical challenges faced when building it.   SponsorsTop End DevsRaygun | Click here to get started on your free 14-day trialCoaching | Top End DevsLinksShopify Developers Platform-Build. Innovate. Get paid.HydrogenJosh LarsonTwitter: @jplhomerjplhomer - OverviewGitHub - Shopify/hydrogenJosh Larson - Senior Staff Developer - Shopify | LinkedInHow We Built Hydrogen: A React Framework for Building Custom Storefronts- Top End DevsPicksAJ- Muscle Rack - Freestanding Shelving Units - Shelving - The Home DepotAJ- "WHAT IS A WOMAN?"Charles- Legendary: A Marvel Deck Building Game - Fantastic FourCharles- Legendary: A Marvel Deck Building Game - The New MutantsCharles- Conferences | Top End DevsCharles - TopEndDevs on TikTokDan-  Dan - Matt Pockock - TypescriptDan- The ins and outs of Core Web Vitals Dan- The ins and outs of Core Web Vitals by Dan ShappirDan - Take a vacationDan - Stranger ThingsDan - War in UkraineJosh- The Incredibles Official Site presented by Disney MoviesJosh- Incredibles 2Support 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.

5 Heinä 20221h 4min

To TypeScript or Not to TypeScript - JSJ 538

To TypeScript or Not to TypeScript - JSJ 538

Today we talk with Matt Pocock, who comes from Oxfordshire, England.  As a big fan of TypeScript and maintainer of the Xstate library, we discuss the benefits and downsides of TypeScript.  As the discussion gets a bit heated, we debate the true value of TypeScript, and where it holds value to the programming community. SponsorsTop End DevsCoaching | Top End DevsLinksAdvanced TypeScript - Become a TS WizardTypeScript Error TranslatorPodcast Hosting and Analytics - Welcome to Fireside!Transistor - podcast hosting for creatives, brands, professionalsStately - Visualize your application logicMatt Pocock - YouTubeTwitter: @mattpocockukPicksAJ- dotGo 2015 - Rob Pike - Simplicity is ComplicatedAJ- GothamGo 2018 - Things in Go I Never Use by Mat RyerAJ- GopherCon 2019: Mat Ryer - How I Write HTTP Web Services after Eight YearsAJ- Plain Text - Dylan Beattie - NDC Oslo 2021AJ - coolaj86 on TwitchCharles- Legendary: A Marvel Deck Building Game - Dark CityCharles - Conferences | Top End Devs Charles - Sponsors | Top End Devs Charles- Trusted CDN Provider | Faster Content Delivery | CacheFlyCharles - Podcasts | Top End Devs Matt- The Crew: The Quest for Planet NineMatt - Race for the GalaxySteve - 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.

28 Kesä 20221h 11min

Core Web Vitals and Whatnot - JSJ 537

Core Web Vitals and Whatnot - JSJ 537

Today’s guest Annie Sullivan, a software engineer on the Chrome Platform team, focussing on core web vitals metrics which is all about performance and user experience metrics for websites.  We discuss topics such as Largest Contentful Paint (LCP), and how it works behind the scenes.  We also touch on Cumulative Layout Shift (CLS) and things that impact browser experience.   SponsorsTop End DevsRaygun | Click here to get started on your free 14-day trialCoaching | Top End DevsLinksCrUX and Core Web Vitals - What to Measure on the Web with Rick Viscomi - JSJ 486Annie SullivanMartin SplittTwitter: @anniesullieSponsors | Top End DevsConferences| Top End DevsJason Weimann - YouTubePicksAJ- The Pretender | Apple TVAJ- ‎@coolaj86AJ- AJ ONeal - YoutubeAJ- Beyond Code BootcampAnnie- Google I/O 2022 Session DetailsAnnie- Procreate® - Sketch, Paint, Create.Annie- Art with Flo - YouTubeCharles- TACO CAT GOAT CHEESE PIZZACharles - Tag someone that has made a difference in one of our podcasts!Dan- ‎@anniesullieDan- Safari is crippling the mobile market, and we never noticedDan - War in UkraineSteve - New York City removes the last payphone from serviceSteve - 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.

21 Kesä 20221h 21min

Gal Schlezinger and Edge Functions - JSJ 536

Gal Schlezinger and Edge Functions - JSJ 536

Today we talk with Gal working on developer tooling for the last decade.  Previously working at WIX, and now working at Vercel, he has created an open source FNM fast node version manager within that operates within Rust.  We talk about Vercel’s Edge Functions, which allows users to insert routing strategies with user code without having performance hits.    SponsorsTop End DevsCoaching | Top End DevsLinksDevelop. Preview. Ship. For the best frontend teams - VercelEdge Functions - VercelBun - fast JavaScript & CSS bundlerfnmsolving puzzles using TypeScript typesGal SchlezingerTwitter: @galstarPicksAJ - None Dare Call It ConspiracyAJ - WHO KILLED BITCOIN? - DocumentaryDan - How To Use Google CrUX To Analyze And Compare The Performance Of JS FrameworksDan - A deep dive into optimizing LCPDan - War in UkraineGal - RaycastGal - Working with smarter peopleSteve - Podcast from syntax.fmSteve - 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.

14 Kesä 20221h 15min

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