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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JSJ 475: DevOps for the JavaScript Developer

JSJ 475: DevOps for the JavaScript Developer

In recent years the term DevOps has become ubiquitous - you'll find DevOps engineers in most every tech organization. But what does DevOps actually mean, and how does it differ from previously existing System and Network engineering and DBAs? In this episode our own Aimee Knight, who is currently expanding her role into DevOps, answers these questions, and provide further information about it.PanelAimee KnightAJ O'NealDan ShappirSponsorsDexecureRaygun | Click here to get started on your free 14-day trialJavaScript Error and Performance Monitoring | SentryLinksPulumixkcd: MoneyDevchat.tv | JSJ 440: Why Serverless with Gareth McCumskeyPicksAimee- The many lies about reducing complexity part 2: CloudAJ- Life as a Bokoblin - A Zelda Nature DocumentaryAJ- lbry.tvAJ- Everything GameCube Homebrew in 6 MinutesAJ- webinstall.dev/gitdeployAJ- Mic Shootout: Best Value & Budget Lavs under $50 - Røde, Giant Squid, Boya, Movo, Power DeWiseDan- Wix Student Program | Wix EnterDan- DHH on TwitterSponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.Sentry: Resolve JavaScript errors and performance issues with SentryDexecure: Exclusive Offer For Javascript Jabber Listeners Promo Code: DEXJSJAB 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.

16 Maalis 20211h 6min

JSJ 474: Things JavaScript Developers Should Know, Part 1

JSJ 474: Things JavaScript Developers Should Know, Part 1

Having done a three-part series on the things JavaScript developers MUST know, Dan now leads a panel discussion on the things that JavaScript developers SHOULD know. These are things that devs can get by without knowing, but that will improve their abilities if they do know and understand. Subjects covered include: passing functions args by value vs by reference, sparse arrays, property descriptors, event capture, and more.PanelAimee KnightAJ O'NealDan ShappirSteve EdwardsSponsorsDexecureDev Heroes AcceleratorLinksBubbling and capturingPicksAimee- Load balancing and its different typesAJ- Ethan Garofolo - YouTubeAJ- XMissionAJ- LuaJITAJ- rclone | webinstall.devAJ- USB-C Cozy for USB C Adapters AJ- xkcd: SecurityDan- Tel Aviv weatherDan- Axel RauschmayerDan- 2ality – JavaScript and moreDan- JavaScript for impatient programmers (ES2021 edition)Sponsored By:Dexecure: Exclusive Offer For Javascript Jabber Listeners Promo Code: DEXJSJAB 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.

9 Maalis 20211h 22min

JSJ 473: The Elements framework with Chris Mather

JSJ 473: The Elements framework with Chris Mather

Steve and A.J. talk with Chris Mather, the creator of the Elements framework, a new monolith-style web framework for generating web apps. They discuss the reason for adding YAF (Yet Another Framework), the pieces that are used to build the framework, and how it all works together.PanelAJ O'NealSteve EdwardsGuestChris MatherSponsorsDexecureRaygun | Click here to get started on your free 14-day trialDev Heroes AcceleratorLinksElementsGitHub | elementscode/applicationPicksAJ- Ubiquiti - Simplifying ITAJ- UHD Friendly Blu-Ray LibreDriveChris- Having a babySteve- The COVID-19 Vaccines and God’s ProvidenceSpecial Guest: Chris Mather.Sponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.Dexecure: Exclusive Offer For Javascript Jabber Listeners Promo Code: DEXJSJAB 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.

2 Maalis 20211h 17min

JSJ 472: RedwoodJS Brings Full-Stack to the JAMstack with Anthony Campolo

JSJ 472: RedwoodJS Brings Full-Stack to the JAMstack with Anthony Campolo

Anthony Campolo joins the conversation to lead the discussion of RedwoodJS. RedwoodJS is a full-stack framework that provides a way of building a fast and secure front-end that JAMstack gives you with the power and flexibility of a backend.It doesn't have an official ORM, instead it uses GraphQL through Prisma. This discussion goes deep into the history and implementation of RedwoodJS.PanelAimee KnightAJ O'NealDan ShappirSteve EdwardsGuestAnthony CampoloSponsorsDev Heroes AcceleratorLinksFSJam PodcastA First Look at RedwoodJS - Complete SeriesPicksAimee- GCP Outpaces Azure, AWS in the 2021 Cloud ReportAJ- xkcd: File TransferAnthony- RedwoodJS CommunityAnthony- RedwoodJS - Bringing full-stack to the JamstackDan- State of JS 2020Steve- The Man Who Knew Too Much (1956)Special Guest: Anthony Campolo. 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.

23 Helmi 202153min

JSJ 471: Things Every JavaScript Developer Must Know - Part 3

JSJ 471: Things Every JavaScript Developer Must Know - Part 3

In this episode, the panel discusses the final list of things that developers need to know and how and when they're important. These topics include:Duck typingTypeScriptVarious programming terms and concepts: recursion, garbage collection, MVC, etc.JS number and Math system (NaN, precision, BigInt, …)At least one frameworkAt least one testing frameworkA bundler (WebPack or Rollup or Parcel etc)PanelAimee KnightAJ O'NealDan ShappirSteve EdwardsSponsorsDexecureRaygun | Click here to get started on your free 14-day trialDev Heroes AcceleratorPicksAimee- 10 Powerful Life Skills for the New DecadeAJ- Epic React by Kent C. Dodds $300 React | Kent C DoddsAJ- Udemy $10 React | Stephen GrinderAJ- Zoom H1n ( Amazon )AJ- Zoom H1n ( Ebay )AJ- Apple M1 (MacBook) AirDan- Youtube | Chromium UniversitySteve- Greater (2016)Sponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.Dexecure: Exclusive Offer For Javascript Jabber Listeners Promo Code: DEXJSJAB 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.

16 Helmi 20211h 12min

JSJ 470: Fine Tuning Your Psychological Stack, or DevOps For Your Brain

JSJ 470: Fine Tuning Your Psychological Stack, or DevOps For Your Brain

You're working on planning and executing your professional and technical journeys, but what about your psychological journey? The reality is that without taking better care of yourself, you are potentially setting yourself up for failure, and potentially also putting your health and wellbeing at risk. We are joined by Wei-Ming Lam, a coach and Yoga Instructor who provides practical advice for constructing and tuning your psychological stack.PanelAJ O'NealDan ShappirSteve EdwardsGuestWei-Ming LamSponsorsDexecureDev Heroes AcceleratorLinksThe Middle WeiYoutube | The Middle WeiPicksAJ- As a Man Thinketh by James Allen AJ- Deep Work: Rules for Focused Success in a Distracted World by Cal Newport AJ- The Mind and the Brain: Neuroplasticity and the Power of Mental Force by Jeffrey M. Schwartz MDAJ- The War of Art by Steven PressfieldAJ- M1 Macbook AirAJ- PLEXAJ- EmbyAJ- webinstall.dev/syncthingDan- Covid-19 VaccineDan- Should The Web Expose Hardware Capabilities? by Noam RosenthalSteve- Tenet (2020)Steve- The Essential Compendium of Dad Jokes by Thomas Nowak Steve- Psychiatrist: Americans Are Suffering From ‘Mass Delusional Psychosis’ Because Of Covid-19Wei- Ming- Grit: The Power of Passion and Perseverance by Angela DuckworthWei-Ming- Whetstone Knife SharpenerWei-Ming- Blade Sharpening FundamentalsWei-Ming- Get a houseplant Special Guest: Wei-Ming Lam.Sponsored By:Dexecure: Exclusive Offer For Javascript Jabber Listeners Promo Code: DEXJSJAB 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.

9 Helmi 20211h 21min

BONUS: Measuring Apps and Entrepreneurship with John-Daniel Trask

BONUS: Measuring Apps and Entrepreneurship with John-Daniel Trask

John-Daniel Trask, founder and CEO of Raygun, talks about his experience building a monitoring company and about how to measure the speed and quality of your code. 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.

5 Helmi 202150min

JSJ 469: The Case for JavaScript Iterators and Generators, part 2

JSJ 469: The Case for JavaScript Iterators and Generators, part 2

This is the follow on to the episode first recorded regarding JavaScripts iterators and generators. Dan takes the lead and picks up from last time. The panel discusses how JavaScript uses and implements iterators and where people are likely to see them. Then they dive into generators and briefly discuss the concept and their uses.CODE:x = {[Symbol.iterator]() {let i = 0;return {next: () => ({done: i >= 10,value: i++})};}};for (const v of x) console.log(v);console.log([…x]);console.log(…x);function* g() {for (let i = 0; i < 10; ++i) yield i;}PanelAJ O'NealCharles WoodDan ShappirSponsorsDexecureRaygun | Click here to get started on your free 14-day trialNext Level MastermindLinksA Promise of a Bright Future With Async Iterators, Generators, and Pipes, Part 1Devchat.tv | JSJ 437: Inside the Brave Browser with Jonathan SampsonFlint 4kPicksAJ- Charles WoodAJ- 12 Rules for Life PosterAJ- Brave BrowserAJ- Need for Speed Hot Pursuit (Remastered)Charles- Devchat.tv | The Dev RevCharles- Most Valuable DeveloperCharles- Elgato Cam Link 4KCharles- Podcast PlaybookCharles- The Hero with a Thousand Faces by Joseph CampbellDan- Netflix Series: The Queen's GambitDan- Automating audits with AutoWebPerfSponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.Dexecure: Exclusive Offer For Javascript Jabber Listeners Promo Code: DEXJSJAB 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.

2 Helmi 20211h 18min

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