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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Replacing Create React App: Why Create TS Router App Is the Future of React Development - JSJ 675

Replacing Create React App: Why Create TS Router App Is the Future of React Development - JSJ 675

We’ve been diving into the evolving landscape of React app development and why tools like Create TS Router App (CTA) are stepping up to fill the gap left by the deprecation of Create React App (CRA). What we’ve learned is that SSR (server-side rendering) isn’t one-size-fits-all—e-commerce sites need it for SEO and performance, but internal tools and dashboards often don’t. That’s where CTA shines. It gives us a fast, modern, Vite-powered setup with TanStack Router built in, so we can start small and scale up without committing to heavy frameworks like Next.js from day one.What we love about CTA is how it keeps things familiar (same structure as CRA) while giving us type safety, file-based routing, and the flexibility to add only the features we need—like Clerk, Sentry, or even SolidJS support. Whether we’re building a simple prototype or a full-featured app, CTA makes the experience smoother, more intuitive, and future-friendly.Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

2 Touko 1h 30min

Empowering Devs and Innovators: Inside Vercel’s Impact, Feature Flags, and the Rise of v0 - JsJ 674

Empowering Devs and Innovators: Inside Vercel’s Impact, Feature Flags, and the Rise of v0 - JsJ 674

In this episode, Lee Robinson, who works at Vercel, discusses the company’s impact on web development despite its relatively small size. He explains their approach to empowering small, founder-led teams to build impactful tools, highlighting their new open-source Flags SDK. They also discuss the importance of server-side feature flagging to improve performance and reduce UI shifts, while warning against exposing sensitive data through client-side experimentation. The conversation then shifts to Vercel’s internal innovation culture, particularly the development of v0, an AI-driven tool for building full-stack web applications quickly, which is especially accessible for non-developers with creative ideas.Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

21 Huhti 1h 22min

Building 50 Apps in 50 Days: The Power of Boring Stacks with Kelvin - JsJ_673

Building 50 Apps in 50 Days: The Power of Boring Stacks with Kelvin - JsJ_673

In this episode, we dive into an engaging conversation with Kelvin, where we explore his approach to full-stack JavaScript development and the power of using simple, stable technologies to speed up app development.Kelvin shares his exciting project, "Project 50," where he’s challenging himself to build 50 apps in 50 days, highlighting the importance of leveraging "boring" stacks to streamline the development process. We also touch on his journey in teaching web development through free resources and screencasts, aiming to make it easier for developers to build real-world apps quickly. Along the way, we discuss the value of strategy games like chess and Go, and how they help foster critical thinking and continuous learning. It’s a great mix of tech, strategy, and entertainment, making this episode a must-listen for developers and anyone looking to level up their skills. Tune in for a fun and insightful discussion!Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

14 Huhti 1h

Breaking Into Tech: Lessons from My Career Path - JsJ 672

Breaking Into Tech: Lessons from My Career Path - JsJ 672

This episode is a little different—thanks to a U.S. holiday, I’m flying solo. But that just means we get to have a one-on-one chat!I dive into my career journey—not to brag, but to offer insights for anyone feeling stuck, of how my inventor grandfather sparked my early interest in tech, how I transitioned from electrical engineering to computer engineering, and how I went from IT support to discovering my love for programming while solving real-world problems at Mosey with Ruby on Rails.Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

7 Huhti 44min

Pioneers of Computing: A Journey Through Tech History with Bob Martin - JsJ 671

Pioneers of Computing: A Journey Through Tech History with Bob Martin - JsJ 671

In this episode, we dive into a fascinating mix of tech history, personal stories, and entertainment recommendations. We chat with Bob Martin, who shares insights from his new book, offering a look back at the pioneers of computing, including early breakthroughs and the industry's evolution. Bob talks about the challenges of leaving out influential figures like Margaret Hamilton, Donald Knuth, and Linus Torvalds, while also reminiscing about his early career as a self-taught developer during the 70s.The conversation takes a fun turn when we discuss some mind-blowing tech feats, including a wild project where Doom was implemented using TypeScript’s type system—a true demonstration of the power of programming languages. For those into entertainment, we share some great picks, like the classic science fiction novels When Worlds Collide and After Worlds Collide, plus a rundown of TV shows like Reacher and the intriguing comparison between the Expanse books and TV show. Packed with history, tech talk, and plenty of geeky fun, this episode is a must-listen for anyone interested in the past, present, and future of computing!Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

1 Huhti 1h 9min

Beyond Aesthetics: What the Next Generation of Frameworks Should Offer - JsJ_670

Beyond Aesthetics: What the Next Generation of Frameworks Should Offer - JsJ_670

In this episode of JavaScript Jabber, our host Charles Max Wood, panelist Dan Shappir, and special guest Yoav Abrahami, CTO of Wix Enterprise, engage in a fascinating discussion on the evolving landscape of web frameworks. They dive into the functional and nonfunctional requirements of frameworks, the emerging innovations in meta frameworks, and the significant market shifts driven by increasing regulations and AI advancements. Yoav shares insights into his work on creating a collaborative web framework aimed at bridging the gap between designers and developers, while also addressing crucial future trends in security and design-to-code capabilities. Tune in to explore the dynamic future of web development with insights from industry leaders.Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

6 Maalis 1h 15min

A Guide to AI Models: From Tokenization to Neural Networks with Ishaan Anand - JsJ_669

A Guide to AI Models: From Tokenization to Neural Networks with Ishaan Anand - JsJ_669

In this enlightening episode of JavaScript Jabber, hosted by Charles Max Wood and Steve Edwards, panelist AJ O'Neil is joined by guest Ishaan Anand to delve deep into the intricacies of AI and large language models. Ishaan, an expert with over two decades of experience in engineering and product management, shares insights into his innovative implementation of GPT-2, providing a comprehensive breakdown of how transformers work in AI. The discussion covers various aspects of AI, including how models predict the next word, the concept of tokenization, embeddings, and the attention mechanism which is central to transformer architectures. Listen in as they explore practical applications, challenges, and the evolving landscape of AI, with a special emphasis on mentorship and education through Ishaan's unique course offering. Whether you're an AI aficionado or a JavaScript developer eager to expand your knowledge, this episode offers valuable perspectives and learning opportunities.Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

21 Helmi 1h 38min

Exploring ReactScan: Aiden Bai's Tool for Identifying React Performance Issues - JsJ 668

Exploring ReactScan: Aiden Bai's Tool for Identifying React Performance Issues - JsJ 668

In this episode of JavaScript Jabber, panelist Dan Shappir sits down with guest Aden Bai to delve into the nuances of React performance. Broadcasting from Tel Aviv, Dan welcomes Aden, who is based in San Francisco, for an insightful discussion on optimizing React apps. Aden, known for his projects Million JS and ReactScan, shares his journey into coding and his focus on enhancing web performance. Together, they explore the intricacies of the virtual DOM, React rendering processes, and the common pitfalls that developers face in managing performance. Aden introduces ReactScan, a tool designed to visualize and troubleshoot performance issues in React applications, making complex profiling accessible to a broader range of developers. The conversation also touches on broader performance metrics like Core Web Vitals and the challenges of maintaining efficiency across various devices and browsers. Whether you're a seasoned developer or new to React, this episode offers valuable insights into creating faster and more efficient web applications. Tune in to learn how you can improve your React project's performance and user experience with tools and techniques from top industry experts.Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

13 Helmi 1h 7min

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