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.

Support this podcast at — https://redcircle.com/javascript-jabber/donations

Privacy & Opt-Out:

Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

Jaksot(734)

Data Wrangling in JavaScript with Ashley Davis - JSJ 484

Data Wrangling in JavaScript with Ashley Davis - JSJ 484

Ashley Davis jumps in to talk to Dan Shappir about wrangling data using JavaScript.Ashley describes his journey into JavaScript and his exposure to the web platform. From there he walks Dan through learning data science and building systems in Python before coming back to JavaScript.He talks through the tools and techniques used to manage data in JavaScript as well as how it can be done!PanelDan ShappirGuestAshley DavisSponsorsDev Influencers AcceleratorRaygun | Click here to get started on your free 14-day trial LinksData Wrangling with JavaScriptData-ForgeProject JupyterCharlie Gerard on TwitterBootstrapping Microservices with Docker, Kubernetes, and Terraform Code CapersData-Forge NotebookJSJ 442: Breaking Into Tech with Danny Thompson | Devchat.tvTwitter: Ashley Davis ( @ashleydavis75 )PicksAshley- AshleyDavis- TwitchDan- Interlude: Rethinking the JavaScript Pipeline OperatorContact Dan:GitHub: Dan Shappir ( DanShappir )LinkedIn: Dan ShappirTwitter: Dan Shappir ( @DanShappir )Special Guest: Ashley Davis.Sponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.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.

18 Touko 20211h 7min

Women on Stage and in Tech with Moran Weber - JSJ 483

Women on Stage and in Tech with Moran Weber - JSJ 483

Moran Weber is the CEO of Women on Stage. She helps women prepare for and speak on stages at conferences in technology and other related areas. She joins the Jabber panel this week to discuss women's place in technology, the importance of them appearing at conferences, and the outcomes of women in the technology space.PanelAimee KnightAJ O'NealCharles Max WoodDan ShappirSteve EdwardsGuestMoran WeberSponsorsDev Influencers AcceleratorLinksMJS 078: Steve Edwards | Devchat.tvMJS 108: Dan Shappir | Devchat.tvViews on Vue: VUE 137: Using Laravel and VueJS in an Enterprise ApplicationCREATE FOLDER RECURSIVELY WITH POWERSHELLTwitter: Moran Weber ( @moranWeber )PicksAimee- Reverse Engineering a Docker Image - The Art of MachineryAJ- Follow Beyond Code Bootcamp: FacebookAJ- Beyond Code Bootcamp - YouTubeAJ- Twitter: Beyond Code Bootcamp ( @_beyondcode )AJ- webinstall.dev/vim-essentialsAJ- Jesus Christ AJ- New TestamentCharles- Dev Influencers | Devchat.tvCharles- Podcast Guest Preparation InstructionsCharles- The Courier (2020)Dan- Music ShowDan- Back/forward cacheMoran- Women tech speakers | Women on StageSteve- Timothy Keller Sermons Podcast by Gospel in LifeSteve- icanhazdadjokeSpecial Guest: Moran Weber . 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.

11 Touko 20211h 19min

Becoming the Go-To Person in Your Technology Area - BONUS

Becoming the Go-To Person in Your Technology Area - BONUS

Chuck was on a strategic call with one of his potential coaching clients talking about cryptocurrencies and realized that this is one of the major reasons that people want to become influencers. Or, rather, that many people aspire to make a difference and/or make money and the best way to do that is to become the person people go to for what you do.So, how do you become the first person people think of when they think of that thing you know how to do? Let Chuck tell you.PanelCharles Max WoodSupport 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.

7 Touko 202116min

Changes in the JAMstack Landscape with Sean C Davis - JSJ 482

Changes in the JAMstack Landscape with Sean C Davis - JSJ 482

Dan kicks the show off by asking our guest Sean C. Davis to define for us what doesn't fall under JAMstack. Sean explains what isn't JAMstack and then dives into what's changed over the last year or so that brings us to the tools and approaches that hybridize the server end of things to bring more server side to the JAMstack.So, JAMstack lifts away from a monolithic backend to provide an independent front-end with a supporting set of back-end tools rather than a back-end with supporting front-end tools. This episodes dives into the implications of this approach as a reaction to the more traditional monolith.PanelAJ O'NealDan ShappirGuestSean C DavisSponsorsDev Influencers AcceleratorRaygun | Click here to get started on your free 14-day trialJavaScript Error and Performance Monitoring | SentryLinksComparing Static Site Generator Build Times | CSS-TricksGrouparoo: Open Source Synchronization  FrameworkUnmute Your Story | UnmutePicksAJ-  Follow Beyond Code | FacebookAJ- Twitter: Beyond Code Bootcamp ( @_beyondcode )AJ- vim-essentials | webinstall.devAJ- StackExchange AJ- Stack Overflow: The Architecture - 2016 EditionAJ- Comparing Static Site Generator Build Times | CSS-TricksAJ- Digital Ocean ($100 or 60 Days Free)Dan- How Wix improved website performance by evolving their infrastructureDan- Who has the fastest F1 website in 2021? Part 1Sean- Free JavaScript ResourcesSean- Ted Lasso Special Guest: Sean C Davis.Sponsored By:Sentry: Resolve JavaScript errors and performance issues with SentryRaygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.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.

4 Touko 20211h 3min

Don't Let These Things Keep You From Podcasting - BONUS

Don't Let These Things Keep You From Podcasting - BONUS

Charles talks about the things that get developers stuck when they're trying to start their podcast or other influencer channel. He explains how to get around having those things hamper your journey.PanelCharles Max WoodSupport 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 Huhti 202115min

Data Oriented Programming with Yehonathan Sharvit - JSJ 481

Data Oriented Programming with Yehonathan Sharvit - JSJ 481

Yehonathan Sharvit joins the Jabber crew to discuss Data Oriented Programming. Data Oriented Programming is a way to reduce complexity by managing the shape of the data before we send it over the wire. Rather than managing data you send between services in class hierarchies, you focus on the data's meaning and manipulate it so the data it includes updates to your datastore like Redux and then cascade changes from your data.PanelAimee KnightAJ O'NealCharles Max WoodSteve EdwardsGuestYehonathan SharvitSponsorsDev Influencers AcceleratorJavaScript Error and Performance Monitoring | SentryLinksTwitter: Yehonathan Sharvit ( @viebel )PicksAimee- Zsh Tricks to Blow your MindAJ- UREVO Under Desk TreadmillAJ- 3 Filter Water FilterAJ- AJ ONeal | FacebookAJ- Beyond Code Bootcamp - YouTubeAJ- Twitter: Beyond Code Bootcamp ( @_beyondcode )Charles- Adventures in Machine Learning | Devchat.tvCharles- She's in Tech | Devchat.tvCharles- Dev Influencers AcceleratorCharles- DoctorsYehonathan- GitHub | viebel/klipse Special Guest: Yehonathan Sharvit.Sponsored By:Sentry: Resolve JavaScript errors and performance issues with SentrySupport 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.

27 Huhti 20211h

BONUS: Relationships Matter Most

BONUS: Relationships Matter Most

Charles Max Wood talks about how to build, grow, and benefit from positive relationships within programming. He talks about how he's built genuine positive relationships with hundreds of programmers and how he and others have grown from those relationships. He also explains that you get out of relationships what you put into them. Finally, he goes into how to begin to build relationships by building a system of influence you can use on behalf of the people you want relationships with.PanelCharles Max WoodSupport 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 Huhti 202119min

JSJ 480: Are Micro Frontends worth the effort? (And if so when?)

JSJ 480: Are Micro Frontends worth the effort? (And if so when?)

Micro frontends are the topic of discussion again, this time with Grgur Grisogono, Principal Consultant at Modus Create and co-author of the Manning book "Ext JS in Action". In particular, Grgur explains the new module federation capabilities introduced by Webpack, and describes how they can be used to construct micro frontends in a much more streamlined and modular fashion.PanelAJ O'NealCharles Max WoodDan ShappirSteve EdwardsGuestGrgur GrisogonoSponsorsDev Influencers AcceleratorRaygun | Click here to get started on your free 14-day trial JavaScript Error and Performance Monitoring | SentryLinksModule Federation | webpackTwitter: Grgur Grisogono ( @ggrgur )PicksAJ- Jim Kwik 10 Morning HabitsAJ- Wayne Brady's Comedy IQAJ- Beyond Code GmbH | FacebookAJ- Beyond Code Bootcamp | YouTubeAJ- Twitter: Beyond Code Bootcamp ( @_beyondcode )AJ- Digital Ocean (2 Months or $100 Free)Charles- The 12 Week Year by Brian P. Moran and Michael Lennington Charles- TrainingPeaks | Hit Your StrideCharles- Phil's Beginner Marathon Plan ( 4-6hrs/wk )Charles- ClickUpDan- Smash BurgerDan- #JavaScriptRiddle | TwitterGrgur- YeastGrgur- Modus CreateGrgur- Modus Create, Inc. | YouTubeSteve- Intagram: ( pun_bible )Steve- Instagram: ( standup.trex )Special Guest: Grgur Grisogono.Sponsored By:Sentry: Resolve JavaScript errors and performance issues with SentryRaygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.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.

20 Huhti 20211h 14min

Suosittua kategoriassa Liike-elämä ja talous

sijotuskasti
psykopodiaa-podcast
rss-rahapodi
mimmit-sijoittaa
ostan-asuntoja-podcast
herrasmieshakkerit
inderespodi
taloudellinen-mielenrauha
rss-rahamania
rss-bisnesta-bebeja
rss-neuvottelija-sami-miettinen
pomojen-suusta
rss-sisalto-kuntoon
rss-seuraava-potilas
rss-paasipodi
rss-johtajien-tyonhakusirkus
sijoitusovi-podcast
juristipodi
rss-porssipuhetta
jahtaa-unelmiasi