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 385: What Can You Build with JavaScript?

JSJ 385: What Can You Build with JavaScript?

SponsorsRxJS LivePanelCharles Max WoodChristopher BeuchelerEpisode SummaryToday Charles and Christopher discuss what can you do with JavaScript. They talk about the kinds of things they have used JavaScript to build. They discuss non-traditional ways that people might get into JavaScript and what first drew them to the language. They talk about the some of the non-traditional JavaScript options that are worth looking into. Christopher and Charles talk about some of the fascinating things that have been done with JavaScript, such as Amazon Alexa capabilities, virtual reality, and games. They spend some time talking about JavaScript usage in game creation and building AI. They talk about how they’ve seen JavaScript change and progress during their time as developers. They talk about areas besides web that they would be interested in learning more about and what kinds of things they would like to build in that area. They finish by discussing areas that they are excited to see improve and gain new capabilites. LinksNode.jsWebGLReactReact NativeQuakeTenserFlow.jsWebAssemblyHermes Follow DevChat on Facebook and Twitter PicksCharles Max Wood:InstagramJavaScript Jabber ReccomendationsNew shows: Adventures in Block Chain, Adventures in .NetChristopher Beucheler:Pair programmingVS Code Live ShareSupport 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.

22 Elo 201949min

JSJ 384:  FaunaDB: Support for GraphQL and Serverless Development with Evan Weaver

JSJ 384: FaunaDB: Support for GraphQL and Serverless Development with Evan Weaver

SponsorsSentry– use the code “devchat” for $100 credit  PanelCharles Max WoodAJ O’NealJoe EamesAimee KnightWith Special Guest: Evan WeaverEpisode SummaryEvan Weaver is the CEO and cofounder of FaunaDB, a serverless database and a great way to get started with GraphQL. Evan talks about what went into building the FaunaDB and his background with Twitter. FaunaDB arose from trying to fix Twitter’s scalability issues, and the panel discusses scalability issues encountered in both large and small companies. They talk about the difference between transient and persistent data. They discuss how to develop locally when using a serverless database and the importance of knowing why you’re using something. Evan talks about how developing locally works with FaunaDB. He addresses concerns that people might have about using FaunaDB since it is not backed by a tech giant. Evan talks about some of the services FaunaDB offers and talks about the flexibility of its tools. He talks about how to get started with FaunaDB and what the authentication is like. Finally, Evan talks about some well known companies that are using FaunaDB and what they are doing with it. LinksFaunaDBGraphQLNetlifyAWS LambdaApollo.ioSQLJamstack  AkkerisGraphile Follow DevChat on Facebook and Twitter PicksCharles Max Wood:Captain SonarCannyJSJ ReccomendationsAimee Knight:Falling in ReverseJoe Eames:BattlestationsEvan WeaverForza MotorsportFollow Evan on Twitter and Github @evanSpecial Guest: Evan Weaver. 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 Elo 201951min

JSJ 383: What is JavaScript?

JSJ 383: What is JavaScript?

SponsorsRxJS LivePanelCharles Max WoodChristopher BeuchelerAimee KnightEpisode SummaryToday’s episode is an exploration of the question “What is JavaScript?”. Each of the panelists describes what they think JavaScript is, giving a definition for both technical and non-technical people. They talk about how the different layers of JavaScript tie into their definitions. They agree that it’s incorrect to call JavaScript one of the ‘easy’ programming languages and some of the challenges unique to JavaScript, such as the necessity of backwards compatibility and that it is used in tandem with CSS and HTML, which require a different thinking method. They discuss the disdain that some developers from other languages hold for JavaScript and where it stems from. They discuss methods to level up from beginner to mid level JavaScript programmer, which can be tricky because it is a rapidly evolving language. They revisit the original question, “What is Java Script?”, and talk about how their definition of JavaScript has changed after this discussion. They finish by talking about the story they want to tell with JavaScript, why they chose JavaScript, and what is it they are trying to do, create, become through using the language. They invite listeners to share their answers in the comments. LinksJQueryJavaScriptJSONReact.js Follow DevChat on Facebook and Twitter PicksCharles Max Wood:The Dungeoncast  Aimee Knight:This Patch of SkyChristopher Beucheler:Silversun Pickups album Widow’s Weeds Andrew Huang YouTube channelSupport 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.

15 Elo 201944min

JSJ 382: Mental Health with Anatoliy Zaslavskiy

JSJ 382: Mental Health with Anatoliy Zaslavskiy

SponsorsSentry– use the code “devchat” for $100 credit  PanelCharles Max WoodWith Special Guest: Anatoliy ZaslavskiyEpisode SummaryAnatoliy Zaslavsky works for Hover, made framework called Pickle.js, and has been on JavaScript Jabber before. Today Chuck and Anatloliy are talking about the importance of mental health. Anatoliy has Bipolar Disorder, and he talks about what it is and his experience with it and how his manic and depressive episodes have affected him. Thankfully, his employers at Hover have been extremely supportive. Chuck and Anatoliy talk about what people should do when they are suffering from a mental illness so that they can do the things they love again. Some of the best ways of coping with mental health issues are to keep a lifeline out to friends and family, go to a professional therapist, stay on a consistent exercise and sleep pattern, and stay away from substances. They talk about how to support someone that is suffering from a mental illness. Anatoliy talks about some of the symptoms and behavioral changes he has during both manic and depressive episodes and how it has affected him in the workplace. Mental health issues are almost always accompanied by changes in behavior, and Chuck and Anatoliy talk about ways to approach a person about their behavior. Anatoliy gives advice on how to work with your employer while you are suffering from a mental illness. For mental illnesses that aren’t as dramatic as Bipolar Disorder, Anatoliy talks about coping mechanisms such as staying away from triggers, knowing what motivates you and communicating it to your employer, and other practices that have helped him. He talks about some of his triggers and how it has affected his work, both for the better and worse. Finding out what helps you cope and what triggers you is often trial and error, but it can help to talk to other people in your field who struggle with the same mental health issues. Anatoliy talks about the pros and cons of working from home or in an office when you have a mental illness. They finish by talking about a few other points on mental health and resources for those suffering from a mental illness to get the help they need.  LinksBipolar disorderPickle.js Ketamine therapyRuby Rogues ep. 142: Depression and Mental Illness with Greg BaugesJSJ 358: Pickle.js Tooling and Developer Happiness with Anatoliy ZaslavskiyNAMIDBS Alliance Follow DevChat on Facebook and Twitter PicksCharles Max Wood:ExpressVPNAnatoliy Zaslavskiy: Contact Anatoliy at toli@toliycodes.com Visit his website tolicodes.comMisu app (in beta)Special Guest: Anatoliy Zaslavskiy. 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.

13 Elo 201953min

JSJ 381:  Building a Personal Brand with John Sonmez

JSJ 381: Building a Personal Brand with John Sonmez

SponsorsSentry– use the code “devchat” for $100 credit  RxJS LivePanelCharles Max WoodChristopher BeuchelerAJ O’NealWith Special Guest: John SomnezEpisode SummaryJohn is the founder of Bulldog Mindset andSimple Programmer, which teaches software developers soft skills, and the author of a couple books. He specializes in creating a personal brand and marketing. He addresses the rumors of him leaving software development and gives an introduction to marketing yourself as a software developer and its importance. The panel discusses their experience with consulting and how marketing themselves has paid off. John talks about the importance of having soft skills. In his opinion, the most important soft skills for programmers are communication, persuasion and influence, people skills and charisma. He talks about highlight those soft skills. The truth is, more and more people are hiring for people skills rather than technical skills. The panel discusses more about the importance of people skills.John talks about ways to build your personal brand. One of the easiest ways is blogging but he talks about other methods like podcasts YouTube, writing books, and others. A key to building a personal brand is choosing something that you can become the best at, no matter how small it is. The panel shares their experiences of what things have gotten them attention and notoriety and talk about how other influential programmers got famous. They talk about interacting with central platforms like Medium and Github. Building a personal brand for software developers is the same as any other personal brand, such as having a consistent message, consistent logos and color schemes, and repeated exposure). Most people in the software world aren’t willing to do what’s necessary to build a personal brand, so it makes you stand out when you do it. John talks about the importance of controlling your image so that companies want to hire you. John gives a brief overview of his course How to Market Yourself as a Software Developer. Click here to cast your vote NOW for JavaScript Jabber - Best Dev Podcast AwardLinksJohn Somnez’s booksData Grid GirlFollow JavaScript Jabber on Facebook and Twitter PicksCharles Max Wood:To Sell is HumanHow to Win Friends and Influence PeopleJohn Somnez: Follow John at bulldogmindset.com and simpleprogrammer.comThe Little Book of StoicismTraining PeaksChristopher Beucheler:Strasborg, FranceAJ O’NealDistant Worlds: Music from Final FantasyParallelsCam SlideSpecial Guest: John Sonmez. 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 Elo 20191h 9min

JSJ 380: Expo for Web with Charlie Cheever

JSJ 380: Expo for Web with Charlie Cheever

SponsorsDatadogSentry– use the code “devchat” for $100 credit PanelCharles Max WoodWith Special Guest: Charlie CheeverEpisode SummaryGuest Charlie Cheever joins the discussion on JavaScript Jabber today. He was previously on React Round Up episode 47. Charlie works on Expo, which is a way to make React apps on every platform. Right now, Expo supports IOS, Android, and Web, provides a standard library of features, and takes care of services like builds and updates over the air. There are also code generators and templates available in Expo. Expo is focused on use cases where you just need to use a little bit of React Native in your app. Charlie talks about the origins of Expo, which was born from increased access of websites from people’s phones and the desire for a cross-platform tool that was as easy as building on the web. One of the biggest benefits is that Expo gives you the peace of mind knowing your app will work across all phones and all platforms.They discuss how to approach building your API’s for Expo so that it’s easy for people to use and have it consistent across all these different systems. Expo also has a voting board canny.expo.io where people can submit suggestions for new features. Expo is compatible with map view and React Native maps. Currently, Expo is missing bluetooth and things where the underlying platform wants to have a direct relationship with the developer, such as in-app purchases. Charlie talks about other components available in Expo, all of which can be modified. They discuss the influence of React on augmented reality and VR. Charlie talks about the updating feature of Expo. Charlie talks about the evolution of Expo and their goal to be a “developer first” company. He talks about the company, libraries, The Client, and services. He gives advice on how to get started with React Native development and using Expo. There is also Expo Web, which can be used to create a website, and if you create an app with Expo you get a website too. Expo hopes to be a stable, easy, coherent way of using all these tools across your entire experience of building your application so that you can relax a little bit. Click here to cast your vote NOW for JavaScript Jabber - Best Dev Podcast AwardLinksExpoFlexValvejQueryExpo voting boardLottieFilesSQLiteReact Native MapsThe Client appSnack.expo.ioNPM Follow DevChat on Facebook and Twitter PicksCharles Max Wood:Vdot02Zoom H6 Portable 6 track RecorderShure SM58-LC Cardioid Dynamic Vocal MicrophoneChain React ConfCharlie Cheever:Draft bit (still in beta)AWS AmplifyFollow Charlie @ccheeverSpecial Guest: Charlie Cheever. 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.

6 Elo 201950min

JSJ 379: FindCollabs and Podcasting with Jeff Meyerson

JSJ 379: FindCollabs and Podcasting with Jeff Meyerson

SponsorsNetlifyRxJS Live  PanelAimee KnightAJ O’NealCharles Max WoodWith Special Guest: Jeff MeyersonEpisode SummaryJeff Meyerson is the host of the Software Engineering daily podcast and has also started a company called FindCollabs, an online platform for finding collaborators and building projects. Jeff started FindCollabs because he believes there are all these amazing tools but people are not combining and collaborating as much as they could, when so much good could be accomplished together. FindCollabs is especially useful for working on side projects. The panelists discuss the problems encountered when you try to collaborate with people over the internet, such as finding people who are facing similar and gauging interest, skill, and availability. Thankfully, FindCollabs has a feature of leaving reviews and rating your partners so that users can accurately gauge other’s skill level. Users can also leave comments about their experience collaborating with others. The only way you can show competence with an interest is to contribute to another project. FindCollabs is also a good place to look for mentors, as well as for Bootcamp graduates or people going through an online coding course. If you are part of an organization, you can create private projects. The company plans to expand this feature to all users in the future.The panelists talk about their past experiences with collaborating with other people.Jeff talks about his podcast Software Engineering Daily and how it got started and the focus of the podcast. As someone working in technology, it is important to stay current on up and coming technology, and listening to podcasts is an excellent way to do that. Jeff talks about where he thinks podcasting is going, especially for programmers. The panel discusses some of the benefits of listening to programming podcasts. Jeff talks about how he is prepping Software Engineering Daily for the future. He shares the audience size for Software Engineering Daily and some of the statistics for his different channels. Jeff has also released an app for Software Engineering Daily, and he shares some information on how it was written. Finally, Jeff gives advice for people who want to use FindCollabs and some of the next steps after creating a profile.Click here to cast your vote NOW for JavaScript Jabber - Best Dev Podcast AwardLinksFindCollabsGreenlockTelebitSwingCycleSoftware Engineering Daily Follow DevChat on Facebook and Twitter PicksAimee Knight:Burnout and the BrainAJ O’Neal:Saber’s Edge from Final Fantasy by Distant WorldsGreenlock on FindCollabsTelebit on FindCollabsCharles Max Wood:Adventures in Machine Learning on FindCollabsAdventures in Virtual Reality on FindCollabsAdventures in Python on FindCollabsAdventures in Java on FindCollabsAir conditioningMFCEO ProjectJeff Meyerson:Follow Jeff  @the_prion Listen NotesLinbin’s Podcast PlaylistHidden Forces PodcastSpecial Guest: Jeff Meyerson. 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.

1 Elo 201959min

JSJ 378: Stencil and Design Systems with Josh Thomas and Mike Hartington

JSJ 378: Stencil and Design Systems with Josh Thomas and Mike Hartington

SponsorsDatadogSentry use code “devchat” for 2 months free PanelAimee KnightChris FerdinandiJoe EamesAJ O’NealCharles Max WoodWith Special Guests: Josh Thomas and Mike HartingtonEpisode SummaryToday’s guests Josh Thomas and Mike Hartington are developers for Ionic, with Josh working on the open source part of the framework on Ionic. They talk about their new compiler for web components called Stencil. Stencil was originally created out of work they did for Ionic 4 (now available for Vue, React, and Angular) and making Ionic 4 able to compliment all the different frameworks. They talk about their decision to build their own compiler and why they decided to open source it. Now, a lot of companies are looking into using Stencil to build design systemsThe panel discusses when design systems should be implemented. Since Ionic is a component library that people can pull from and use themselves, Jeff and Mike talk about how they are using Stencil since they’re not creating a design system. The panel discusses some of the drawbacks of web components. They discuss whether or not Cordova changes the game at all. One of the big advantages of using Stencil is the code that is delivered to a browser is generated in such a way that a lot of things are handled for you, unlike in other systems.The panelists talk about their thoughts on web components and the benefits of using a component versus creating a widget the old fashioned way. One such benefit of web components is that you can change the internals of how it works without affecting the API. Josh and Mike talk about some of the abilities of Stencil and compare it to other things like Tachyons. There is a short discussion of the line between frameworks and components and the dangers of pre optimization. If you would like to learn more about Stencil, go to stenciljs.com and follow Josh and Mike @Jtoms1 and @mhartington. Click here to cast your vote NOW for JavaScript Jabber - Best Dev Podcast AwardLinksBuilding Design Systems book StencilCordovaShadow DOMTachyons Ionic 4 Follow DevChat on Facebook and Twitter PicksAimee Knight:What Does Debugging a Program Look Like?AJ O’Neal:Legend of Zelda: Link’s AwakeningNeon Genesis Evangelion soundtrackPrettierChris Ferdinandi:Kindle PaperwhiteCompany of OneCharles Max Wood:Ladders with feetLighthouseAcornsJoe Eames:Moment.jsHow To Increase Your Page Size by 1500% articleDay.jsJosh Thomas:Toy Story 4Mike Hartington:Building Design SystemsYoumightnotneed.comSpecial Guests: Josh Thomas and Mike Hartington. 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.

30 Heinä 201952min

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