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 424: UI5 and web components with Peter Muessig

JSJ 424: UI5 and web components with Peter Muessig

In this episode of JavaScript Jabber the panelists and guest delve into the advantages of the shadow dom, transitioning from polymer js polyfills to native web components when moving for SAP UI to UI5, which works within React, Vue, Angular, and others.PanelAJ O’NealAimee KnightSteve EdwardsDan ShappirGuestPeter MüßigFollow Peter on Twitter > @pmuessig, GithubSponsorsTaiko, free and open source browser test automation____________________________________________________________ "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________LinksOpenUI5Home - SAPUI5 SDKPicksAJ O’Neal:Vinyl ClocksAcrylic StandAJ's YouTube Channel (AMA)Aimee KnightAnnouncing Div Ops as the Slack and Reddit communitiesSteve EdwardsToday on Pearls Before Swine - Comics by Stephan PastisDan ShappirThe Wixing Street Interview | Facts about Wixing in GermanyWix.com werbung | versuch nicht zu lachenUI5 Web ComponentsPeter MüßigJavaScript Jabber Follow JavaScript Jabber on Twitter > @JSJabber Special Guest: Peter Muessig. 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 Maalis 202042min

JSJ 423: State of JS

JSJ 423: State of JS

The panelists discuss that latest State of JS survey. They begin talking about the merits and methods of the survey and then discuss the value you can extract from the survey. They also consider the various comparisons and trends presented by the survey and what they may mean.Panel:AJ O’NealAimee KnightCharles Max WoodDan ShappirSponsors:G2i | Enjoy the luxuries of freelancing ____________________________________________________________  "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________Links:The State of JavaScript 2019Picks:Aimee Knight:Fruit and Veggie TraysA curated list of Chaos Engineering resources.AJ O’Neal:Gear.Club UnlimitedCharles Max Wood:Clean Coders PodcastWorkshops with ChuckDan Shappir:Wix Engineering BlogBeating Textbook Algorithms in String Search Follow JavaScript Jabber on Twitter > @JSJabber   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.

3 Maalis 202050min

JSJ 422: CSS and Houdini with Una Kravets

JSJ 422: CSS and Houdini with Una Kravets

Una Kravets talks to the panel about CSS and its future. We dive into what Houdini is and how much of it is implemented in the browsers. She explains how the changes outlined in Houdini will improve the user experience on the web and developer experience for web developers.Panel:Aimee KnightAJ O’NealCharles Max WoodGuest:Una KravetsSponsors:Split____________________________________________________________  "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________Links:CSS HoudiniWorking with the new CSS Typed Object ModelPaintWorklet.registerPaint | MDNIs Houdini Ready Yet?extra.cssNew horizons in CSS: Houdini and the Paint APICSS Houdini ExperimentsPicks:Aimee Knight:Things you can do with a browser in 2020AJ O’Neal:SD Card WalletSP 128gb MicroSDRocketekCharles Max Wood:Gmelius (Affiliate link)MyPillowChilipad (Affiliate link)Una Kravets:Follow Una on Twitter - @UnaUna's Podcast - ToolsdayWeb Series: Designing in the BrowserHaving a nice CouchBob's Discount FurnitureSpecial Guest: Una Kravets. 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.

25 Helmi 20201h

JSJ 421: Semantic HTML with Bruce Lawson

JSJ 421: Semantic HTML with Bruce Lawson

Bruce Lawson is an expert in and proponent of semantic HTML. After receiving some good natured ribbing, Bruce walks the panel through the benefits of semantic HTML. He provides several examples on how it's used and in particular how it helps with other issues like accessibility and navigability on your websites.PanelAJ O’NealAimee KnightCharles Max WoodDan ShappirGuestBruce LawsonSponsorsG2iSpringboard | Promo code "JABBER" gives $500 off the job-guaranteed Course____________________________________________________________ "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________LinksWebAIM: Web Accessibility In Mind<input type="date">The 4 minute business case for accessible online shoppingPicksAJ O’Neal:Better Mic SoundCanon T4i 650DCanon T5i CourseMagic LanternFilmic Pro & PromovieAimee Knight:AddyOsmani.com - Native image lazy-loading for the web!Charles Max Wood:Codineer - 100 days of Vue challengeDan Shappir:Alex Russell - The Mobile Web: MIABruce Lawson WebsiteBruce Lawson:Taffy music bandFollow Bruce on Twitter @brucelSpecial Guest: Bruce Lawson. 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 Helmi 20201h 8min

JSJ 420: OpenAPI, Redoc, and API Documentation with Adam Altman

JSJ 420: OpenAPI, Redoc, and API Documentation with Adam Altman

Adam dives into how to document your application using OpenAPI (formerly Swagger) and then how to generate great documentation for your API's using Redoc. He gives us the history of Redoc, breaks down the process for building API documentation, and understanding the OpenAPI specification.PanelistsAimee KnightDan ShappirAJ ONealSteve EdwardsGuestAdam AltmanSponsorsG2i____________________________ "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________Linkshttps://twitter.com/redoclyHttps://Redoc.lyhttps://www.facebook.com/redoclyPicksSteve Edwards:https://wesbos.com/announcing-my-css-grid-course/https://flexbox.io/Aimee Knight:https://github.com/ErikCH/DevYouTubeListDan Shappir:Old Kingdom Book SeriesAJ O’Neal:Final Fantasy VII and VIII (Physical Copy, English) on Play AsiaAdam Altman:concepts.appSpecial Guest: Adam Altman. 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 Helmi 202045min

JSJ 419: Google App Script with Ben Collins

JSJ 419: Google App Script with Ben Collins

Today’s guest is Ben Collins, who creates online courses, writes tutorials, and teaches workshops around G Suite and App Script. Apps Script is a scripting platform developed by Google for light-weight application development in the G Suite platform. It is an implementation of JavaScript with the express purpose of extending Google apps. App Script was started 10 years ago as a side project, and it eventually took on its own life. Ben talks about some of the different things that App Script can do and where things are stored. They discuss different ways you can get into the script and how to import external scripts from a CDN. Ben gives two examples, one simple and one sophisticated, that you might build from App Script. He talks about event triggers and how authentication is handled. He goes over the three deployment options, namely web app, app executable, sheets add-on, and deploying from the manifest. Ben talks about how triggers are managed in App Script and options for debugging. There is also the option to develop locally as well as in the browser. The show ends with him talking about how to build using HTML in App Script.PanelistsAimee KnightSteve EdwardsDan ShapirGuestBen CollinsSponsorsG2iSplit____________________________ "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________LinksG SuiteAppScriptClaspPicksSteve Edwards:King Kong ApparelAimee Knight:Developers Mentoring Other DevelopersDan Shapir:The Web AlmanacAJ O’Neal:PhotographyMagic LanternBem Collins:Cold Turkey appFollow Ben at Benlcollins.com and TwitterSpecial Guest: Ben Collins. 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 Helmi 202049min

JSJ 418: Security Scary Stories and How to Avoid Them with Kevin A McGrail

JSJ 418: Security Scary Stories and How to Avoid Them with Kevin A McGrail

In this episode of JavaScript Jabber the panel interviews security expert, Kevin A. McGrail. He starts by explaining what security frameworks and what they do. The panel wonders how to know if your developers are capable of self-auditing your security or if you need help. Kevin shares recommendations for companies to look at to answer that question. Aimee Knight explains the hell she has been in making changes to be compliant with CCPA. The panel considers how policies like this complicate security, are nearly impossible to be compliant with and how they can be weaponized. They discuss the need for technical people to be involved in writing these laws. Kevin explains how you can know how secure your systems actually are. He shares the culture of security first he tries to instill in the companies he trains. He also trains them on how to think like a bad guy and explains how this helps developers become security first developers. The panel discusses how scams have evolved and how the same scams are still being run. They consider the importance of automated training and teaching developers to do it right the first time.Finally, they consider the different ways of authentication, passwords, passphrases, sim card, biometrics. Kevin warns against oversharing or announcing vacations. The panel discusses real-world tactics bad guys use. Kevin explains what he trains people to do and look out for to increase security with both social engineering and technical expertise. PanelistsAimee KnightAJ O’NealCharles Max WoodDan ShappirSteve EdwardsGuestKevin A McGrailSponsors ABOUT YOU | aboutyou.com/applySplitCacheFly____________________________________________________________ "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________LinksGhost in the Wireshttps://www.infrashield.com/ Follow DevChatTV on Facebook and Twitter PicksAimee Knight:The More Gender Equality, the Fewer Women in STEM  AJ O’Neal:I'll Let Myself In: Tactics of Physical Pen Testers  Copying Keys from Photos, Molds & More  The LED Traffic Light and the Danger of "But Sometimes!"  Regina Spektor  The Weepies  Dan Shappir:This is what happens when you reply to spam email  What is Your Password?  Kevin A McGrail:XKCD Security  IT Crowdhttps://spamassassin.apache.org/Steve Edwards:XKCD Password Generator  Nerd SnipingSpecial Guest: Kevin A. McGrail. 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.

28 Tammi 20201h 29min

JSJ 417: Serverless with Microsoft Azure with Burke Holland

JSJ 417: Serverless with Microsoft Azure with Burke Holland

Burke Holland works for Microsoft on the Azure team in developer relations. He starts the show talking about how he got started in serverless. He’s careful to note that just because things are marketed as serverless doesn’t always make them so. In order for something to be serverless, it must be sufficiently abstracted in terms of technology, only require payment for what is used, and infinitely scalable. He talks about the statelessness of serverless, and the panel discusses what it means to be stateless. Burke reminds listeners that serverless is not for long-lived operations, but there are features in serverless providers that can help you get around this. Burke talks about how writing serverless code differs from standard or previous coding approaches and practices. He advises that serverless functions are best kept small, and talks about how to fit them in with other kinds of APIs. The panelists talk about the multi-cloud and why people would want to be on multiple cloud servers. Burke talks about what Microsoft has done with Serverless Frameworks to accomplish multi-cloud compatibility. The JavaScript experts discuss the advantages and disadvantages of picking JavaScript over other languages, and Burke talks about why he prefers TypeScript and the Easy-Off feature. They talk about speed on a serverless platform, especially concerning the cold start time, which Azure is relentlessly trying to lower. He does talk about some things that can be done to decrease load time and about premium functions. The panel discusses how to debug serverless functions and tools that are available, such as the Azure Functions extension. They talk about ways to set up more secure functions to keep things from racking up charges. Burke talks about some things Microsoft does internally to control cloud costs, such as sending monthly reports with reminders to delete and using tools like Azure Reaper to delete short-lived projects. Azure can also put spending caps on subscriptions, but when you hit that cap you can’t serve any more requests. Burke concludes by saying that most of the time, going serverless is a lower-cost way to improve productivity, and because it’s event-driven, it allows you to tie into things that you’re already doing in the cloud. Serverless almost always justifies itself from an ease of use point of view and a cost point of view. PanelistsAimee KnightSteve EdwardsDan ShapirAJ O’NealCharles Max WoodGuestBurke HollandSponsorsG2iSplit____________________________ > "The MaxCoders Guide to Finding Your Dream Developer Job" by Charles Max Wood is now available on Amazon. Get Your Copy Today! ____________________________________________________________LinksMicrosoft AzureSwaggerGraphQLKongServerless FrameworksTypeScriptServerless Doesn’t Have to Be an Infuriating Black BoxAzure FunctionsCosmoDB Is Serverless Really as Cheap as Everyone Claims?Azure ReaperPicksSteve Edwards:Louis L'Amour books, especially The Lonesome GodsUltra Sabers Azure ReaperBurke Holland: Follow Burke on GithubDan Shapir:Taking a vacationAJ O’Neal:Hello World by Hannah FryIkea KallaxCharles Max Wood:The MaxCoders Guide to Finding Your Dream Developer JobBuy Me a CoffeeDevchat is looking for show hosts and sponsors!Special Guest: Burke Holland. 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.

21 Tammi 20201h 18min

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