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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BONUS: Start Building Video Games with Jason Weimann

Learn to Build Your Own Games with Jason's Course (Get 10% Off with Code DEVCHAT)Over the years, I've had dozens of developers tell me that they got into programming because they wanted to build video games. Today, it's easier and more approachable than ever. This episode dives into how to get started with game development.Jason Weimann has built games for big studios and has been teaching others to build video games with the Unity game engine. Jason talks through his journey into game development and explains how others can get started with building all sorts of games using the Unity game engine.You can get started prototyping a game by dragging a few elements in and writing a minimal amount of C#. Chuck and Jason compare front-end components to game components and then explain the ins and outs of building and designing a game. Learn to Build Your Own Games with Jason's Course (Get 10% Off with Code DEVCHAT) 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 Joulu 202031min

JSJ 462: The Ultimate Guide to JavaScript Testing with Lucas da Costa

Testing JavaScript Applications by Lucas da Costa (Coupon for 40% off: podjsjabber19)Lucas da Costa literally wrote the book on testing JavaScript. He's also maintainer on ChaiJS and Sinon. The podcast follows a three part structure for testing: Entrance tests, integration tests, and structural tests. These form a pyramid of testing that has the entrance tests at the base and the structural and system tests at the top. The episode also covers TDD and approaches to different kinds of JavaScript testing.PanelAJ O’NealAimee KnightSteve EdwardsGuestLucas da CostaSponsorsAudible.comRaygun | Click here to get started on your free 14-day trialLinksTesting JavaScript Applications bookLucas' WebsiteLucas' Terminal GuideWhy Flat Earthers are Bad at QAPicksLucas - HiDPI (Retina) on any displayLucas - RDM:Lucas - Quartz Debug (XCode Additional Tools)Aimee - Vanilla-todoAJ - iTerm2AJ - Fish ShellAJ - Cloud Encabulator linkSteve - https://www.youtube.com/watch?v=BRupqYXNUVwLucas - The Sense of Style by Steven Pinker (Audiobook)Lucas - On Writing WellLucas - Actionable Agile Metrics For Predictability: An IntroductionLucas - https://github.com/neovim/neovimTesting JavaScript Applications by Lucas da Costa (Coupon for 40% off: podjsjabber19)Special Guest: Lucas F. Costa.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.

8 Joulu 20201h 10min

BONUS: Adding a Content Engine to Your App with a Headless CMS with Jake Lumetta

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4 Joulu 202023min

JSJ 460: The Things Every JavaScript Developer Must Know, Part 2

The panel continues its discussion of various JavaScript programming topics, and whether or not they are required knowledge for JavaScript programmers. This time the debate gets even more heated with topics such as promises and async / await, regular expressions (regex), the DOM and Service Workers. Ultimately we conclude that some you must indeed know to be successful at JavaScript development, but some you just need to know enough about to know to stay away from them.PanelAJ O’NealAimee KnightSteve EdwardsDan ShappirCharles Max WoodLinksJSJ 449: The Things Every JavaScript Developer Must Knowhttps://stackoverflow.com/a/1732454/151312PicksAimee - The MarkupAimee - Yasso Frozen YogurtDan - picks Steve Edwards (volunteer firefighter) for his service and saving livesAJ - XKCD DependencyAJ - YC’s How to Start a StartupAJ - https://webinstall.dev/arcAJ - https://webinstall.dev/un7z (still not working)AJ - HarakaAJ - EmkeiAJ - MxtoolboxAJ - Mail-tester.comAJ - https://blog.codinghorror.com/so-youd-like-to-send-some-email-through-code/Steve - https://blog.logrocket.com/new-features-in-vue-3-and-how-to-use-them/Charles - https://brendon.com/podcast/Charles - https://stimulusjs.org/Charles - https://github.com/alpinejs/alpineSupport 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.

1 Joulu 20201h 12min

BONUS: How to do LARGE Volumes of HIGH Quality Work - While Spending Fewer Hours Working

Get the Black Friday/Cyber Monday "Double Your Productivity by 5pm Today" Deal Coupon Code: "DEEP" for a GIANT discountMani provides us with strategies and tactics to get Deep Work time and how to get our minds into that focused state for hours at a time.He has read hundreds of books that have taught him the secrets to getting more done by getting into this state.He starts by telling us how he was passed over for a promotion at Qualcomm in favor of someone younger and less experienced and how that inspired him to figure out what the other guy was doing differently. He learned that he needed to get more done with the time he was spending on his projects.The trick? Deep Work!Deep Work is the ability to spend uninterrupted, focused time on a task to bend your entire mind toward the goal.Other developers call it "Flow" or "the Zone."Mani provides us with strategies and tactics to get Deep Work time and how to get our minds into that focused state for hours at a time. Get the Black Friday/Cyber Monday "Double Your Productivity by 5pm Today" Deal Coupon Code: "DEEP" for a GIANT discount 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.

27 Marras 202047min

JSJ 459: Codota Tabnine and the Rise of Ai-powered Developer Tooling with Kyle Simpson PT 2

Imagine a world in which your editor / IDE can actually write some of your code for you. Where you're able to produce software faster and more efficiently because your development environment "knows" what you want to do, based on code you've written before. Turns out you can start experiencing this in the present using the free TabNine editor extension by Codata. In this episode Kyle Simpson, Codata's Lead of Developer Empowerment, joins the panel to describe how they use Machine Learning to enhance and accelerate software development. Kyle explains what's already possible in the present, and what ML technology promises to enable in the future for developer experience.PicksAimeeTerraform cost estimation: https://github.com/antonbabenko/terraform-cost-estimationDanhttps://www.se.rit.edu/~tabeec/RIT_441/Resources_files/How To Write Unmaintainable Code.pdfKylehttps://medium.com/nmc-techblog/introducing-the-async-cookie-store-api-89cbecf401fAJ3-Wolf Moon: https://amzn.to/3dGkRE6Watchexec: https://webinstall.dev/watchexecDotenv: https://webinstall.dev/dotenvSpecial Guest: Kyle Simpson. 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 202045min

JSJ 458: Codota Tabnine and the Rise of Ai-powered Developer Tooling with Kyle Simpson

Imagine a world in which your editor / IDE can actually write some of your code for you. Where you’re able to produce software faster and more efficiently because your development environment “knows” what you want to do, based on code you’ve written before. Turns out you can start experiencing this in the present using the free TabNine editor extension by Codata. In this episode Kyle Simpson, Codata’s Lead of Developer Empowerment, joins the panel to describe how they use Machine Learning to enhance and accelerate software development. Kyle explains what’s already possible in the present, and what ML technology promises to enable in the future for developer experience.SponsorsRaygun | Click here to get started on your free 14-day trialAudible.comCacheFlyPanelAJ ONealAimee KnightDan ShappirSpecial GuestKyle SimpsonLinkstabnine AI autocomplete with Vim (REACTION)How To Write Unmaintainable CodePicksAimeeTerraform cost estimationAJ3-Wolf MoonWatchexecDotenvKyle SimpsonIntroducing: The Async Cookie Store API Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Kyle Simpson.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.

17 Marras 202057min

JSJ 457: Career Transitioning with Laura Harvey

This week the panel talks with a UK boot camp student about her decision to switch careers and learn to program. They discuss unique challenges such as being part of an underrepresented group and entering the field during a pandemic. Additionally, they discuss technology choices and overall, seek to gain a deeper understanding of the state of JavaScript for new developers.SponsorsRaygun | Click here to get started on your free 14-day trialAudible.comCacheFlyPanelAimee KnightDan ShappirSteve EdwardsSpecial GuestLaura HarveyPicksAimeeGoReleaserhttps://www.purpose.jobs/blog/hiring-tech-jobs-has-increased-in-midwestern-citiesDanTechnical Tweetstwitter.com/kentcdodds/statusLaura Harveyhttps://www.youtube.com/channel/lauracharveyhttps://dev.to/lauracharvey Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Laura Harvey.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.

10 Marras 202057min

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