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 300: Celebration

JSJ 300: Celebration

Panel: Charles Max WoodAimee KnightCory HouseAJ O'NealJoe EamesSpecial Guests: NoneIn this episode, the JavaScript Jabber panelists speak on where they are what they are up to today. Aimee is still in Nashville, Tennessee, and it is currently working at Built Technologies and is working with JavaScript. Cory is still authoring courses for Pluralsite, has more recently been doing consulting with React, and is the principal engineer at Cox Automotive. Joe is doing a lot of Pluralsight work, puts together conferences, and is working on a new podcast with Charles. AJ recently did some side work with Dash, is interested in working on a new domain service, and recently got married. Charles is currently at ngATL conference, and has been attending a lot of conferences recently. He is also starting to head over to the video realm and is creating a new podcast called React Roundup and a View Podcast with Joe. They also talk about what they each have planned in the upcoming year for their careers and their lives.In particular, we dive pretty deep on:Built TechnologiesJavaScriptFront End and Full StackPluralsiteReact consultingCox AutomotiveFront end appsView and React podcastAngular JS to AngularPluralsight coursesBig Picture React coursesFork of Bitcoin called DashNew domain servicengATLReact Roundup PodcastNew podcasts on artificial intelligence, IOT, augmented and virtual reality game development, pythonNode, JavaScript, and RustAnd much, much more!Links:LinodeBuilt TechnologiesPluralsiteCox AutomotiveDashngATLDevChat.tv YoutubeFreshBooksPicks:CharlesATR2100 MicrophoneZoom H6Apple AirPodsngATLngGirlsAimeeImproving Ourselves to DeathWhat Does Code Readability Mean?CoryJavaScript Tip Tweet AJHow to Start a Startup YouTube SeriesSingham Movie JoeWebFlow.comSupport 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.

14 Helmi 201856min

JSJ 299: How To Learn JavaScript When You're Not a Developer with Chris Ferdinandi

JSJ 299: How To Learn JavaScript When You're Not a Developer with Chris Ferdinandi

Panel: AJ O’NealJoe EamesAimee KnightSpecial Guests: Chris FerdinandiIn this episode, JavaScript Jabber panelist speak with Chris Ferdinandi. Chris teaches vanilla JavaScript to beginners and those coming from a design background. Chris mentions his background in Web design and Web Develop that led him JavaScript development. Chris and the JSJ panelist discuss the best ways to learn JavaScript, as well as resources for learning JavaScript. Also, some discussion of technologies that work in conjunction with vanilla JavaScript.In particular, we dive pretty deep on:Teaching JavaScript - Beginners and Design patronsWeb Design and Web DevelopmentCSS Tricks Todd MottoHow to do jQuery Things without jQueryDoing things like mentors (Todd)When JavaScript makes sense.CSS is easier to learn then JS?Being good at CSS and JS at the same time?How about Node developers?jRuby, DOMDocumentationAnd much more!Links:https://github.com/cferdinandihttps://gomakethings.com @ChrisFerdinandihttps://www.linkedin.com/in/cferdinandi Picks:AJDiscover CardMistborn AimeeYour Smart Phone is Making You Stupid…Crypto CurrencyJoeMystic ValeKediChrishttps://gomakethings.comTeva MushSupport 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.

7 Helmi 20181h 11min

JSJ 298: Angular, Vue and TypeScript with John Papa

JSJ 298: Angular, Vue and TypeScript with John Papa

Panel: Charles Max WoodCory HouseJoe EamesAimee KnightSpecial Guests: John PapaIn this episode, JavaScript Jabber panelist speak with John Papa. John has been doing web programming for over twenty years on multiple platforms and has been contributing to the developer communities through conferences, authoring books, videos and courses on Pluralsight.John is on the show to discuss an articles he wrote on A Look at Angular Along Side Vue, and another article on Vue.js  with TypeScript. John talks about the new features with the different versions of Angular technologies, anxiety in the different features, comparisons between the technologies and use case with Angular.In particular, we dive pretty deep on:A look at Angular Along Side Vue - ArticleAngular 5, Amber,Vue,  React, AngularAngular 2 - different featuresCLISpell WebpackComparisons - Why the anxiety?Opinions of Angular and sprinkling in other technologiesVue is the easy to use with AngularAre there breakpoints with the uses case?Choosing technologiesTalk about working with Vue and AngularDSL - Domain Specific LanguageVue and 3rd party librariesTalk about Vue working with TypeScriptVue.js  with TypeScriptVue with TypeScript looks similar to AngularVeturWhat does 2018 have in store for Angular?Native apps and web functionalityAnd much more!Links:https://johnpapa.netVue.js  with TypeScriptA Look at Angular Along Side Vue@john_papahttps://github.com/johnpapaPicks:Coreycypress.ioCharlesE Myth RevisitedProfit First DunkirkAimeeCrucial Conversations Ripple or XRPJoeThe Greatest ShowmanBetter Late Then NeverVue7 Languages In 7 Weeks  - BookJohnJumanji 2017Emotional IntelligenceSpecial Guest: John Papa. 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.

31 Tammi 201842min

JSJ 297: Scrollytelling with Russell Goldenberg and Adam Pearce

JSJ 297: Scrollytelling with Russell Goldenberg and Adam Pearce

Panel: Charles Max WoodJoe EamesAimee KnightSpecial Guests: Russell Goldenberg and Adam PearceIn this episode, JavaScript Jabber panelist speak with Russell Goldenberg and Adam Pearce Russell creates visualizations, interactive graphics, and documentaries for the web. Currently an editor at The Pudding.  Adam is a graphics editor at The New York Times and a journalist engineers/developer  Russell and Adam are on the show to talk about what Scrollytelling is, as well as Scrollama. Scrollama is a modern and lightweight JavaScript library for scrollytelling using IntersectionObserver in favor of scroll events. This is a great episode to understand another technology/tool created with JavaScript.In particular, we dive pretty deep on:What is Scrollytelling!Graph Scroll libraryWhat is the intersection Observerable?How long does it take to build an interactive graphic…?How do you test something like this?Test on a lot of different devicesCan you do automated testing?Do you have to understand the use cases or can you implement quickly?Recommendation for getting started?Is this a skill set people have to have before that some on board?How do design these interactions?Scroll jackingWhat JS developers should know about this technology.Position stickyWhat are other uses cases?What can devs use it for?Tax calculatorAnd much more!Links: https://github.com/russellgoldenberg/scrollamahttps://pudding.cool/process/introducing-scrollama/ @codenberg @adamrpearcehttps://pudding.cool/http://russellgoldenberg.github.iohttps://github.com/1wheel?direction=desc&sort=created&tab=starshttps://roadtolarissa.comPicks:AdamDominion - Broad GameCharlesSmokerTiny Epic GalaxiesIndiegogo Dev Chat TVAimeeDeadlinesQuest Protein PowderJoeGiving!Board Game - AzulRusselCrokinoleBust OutSpecial Guests: Adam Pearce and Russell Goldenberg. 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 Tammi 201842min

JSJ 296: Changes in React and the license with Azat Mardan

JSJ 296: Changes in React and the license with Azat Mardan

Panel: Charles Max WoodCory HouseJoe EamesAimee KnightSpecial Guests: Azat MardanIn this episode, JavaScript Jabber panelist speak with Azat Mardan. Azat is a return guest, previously on JSJ Episode 230. Azat is an author of 14 books on Node JS, JavaScript, and React JS. Azat works at Capital One on the technology team. Azat is the founder and creator of Node University.Azat is on the show to talk about changes in React and licensing. Some of the topics cover Facebook,  licensing with React, using the wrong version of React, patent wars, and much more in-depth information on current events in React.In particular, we dive pretty deep on:Facebook - Licensing with ReactUsing the Wrong version of React in some companiesBSD licensingPatent warsFacebook developing ReactDifference in Preact and InfernoRewriting applicationsWhat did Capital One do about the changes?React 16Pure ReactWas the BSD patents - Med and Sm CompaniesPatents explainedReact Developers at FacebookFiber - New Core ArchitectureAnd much more!Links:http://azat.cohttps://node.universityhttps://devchat.tv/js-jabber/230-jsj-node-at-capital-one-with-azat-mardanPicks:CoryAxel Rauschmayer postPrettierCharlesIndiegogo for Dev Chatforum.devchat.tvAimeeDev TeesHacker News - Question on Stack Exchange and Estimates JoeHeroku El Camino ChristmasAzatPMP Azat - Short LectureSpecial Guest: Azat Mardan. 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 Tammi 201857min

JSJ 295: Developers as Entrepreneurs with Ryan Glover

JSJ 295: Developers as Entrepreneurs with Ryan Glover

Panel: Charles Max Wood Cory HouseJoe EamesAimee Knight  Special Guests: Ryan GloverIn this episode, JavaScript Jabber panelist speak with Ryan Glover. Ryan is on JavaScript Jabber to talks about Entrepreneurship as a developer.  Ryan runs Clever Beagle in Chicago Illinois. Clever Beagle is a mentorship company that helps people build their first software Product. Ryan and the panel discuss the many roads of entrepreneurship, startup business ideas, servicing and teaching the community, how to’s, and psychological challenges, hiring, seeing your ideas through to the end, and privilege. In particular, we dive pretty deep on:How do you get started as an entrepreneur? Clever BeagleThe Meteor ChefWhere are people getting stuck on the builds? Fear, unknownsSimple, but not easy Drive and ability to step into the unknownSurvival of the fittestHire before you are already Losing your marblesStarting on a smaller scaleHow do I know my idea is going to work? Book - Brick by BrickMultiple lines of businessManaging a portfolio of business Revenue streams Marketing QuitterWhen do I quit? 6-12 months of cash before you quitMaking mistakes in entrepreneurship?Be a reader and studyGo out a read books! Experiential not taught Luck and PrivilegeVideo - Life of Privilege Explained in a $100 RaceProcrastinate on PurposeAnd much more! Links:Clever Beagle The Meteor Chefhttps://www.linkedin.com/in/ryanggloverhttp://www.ryanglover.netBrick by BrickQuitterProcrastinate on PurposeDo Thing That Don’t Scale@rgloverPicks:CoryThe Power of MomentsThe 50th LawCharlesReactDevSummit.comIndiegogo for Dev Chat.NetRocksAimeeLife of Privilege Explained in a $100 RaceJoeEverybody LiesMurder on the Orient Express RyanTurning Pro - Steven Pressfield seriesThe Power of Beliefs in BusinessSpecial Guest: Ryan Glover. 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 Tammi 20181h 5min

JSJ 294: Node Security with Adam Baldwin

JSJ 294: Node Security with Adam Baldwin

Panel: Charles Max WoodAJ O’NealJoe EamesSpecial Guests: Adam BaldwinIn this episode, JavaScript Jabber panelist speak with Adam Baldwin. Adam is a return guest and has many years of application security experience. Currently, Adam runs the Node Security Project/Node Security Platform, and Lift Security. Adam discusses the latest of security of Node Security with Charles and AJ. Discussion topics cover security in other platforms, dependencies, security habits, breaches, tokens, bit rot or digital atrophy, and adding security to your development.In particular, we dive pretty deep on:What is  the Node Security Project/Node Security PlatformDependency treesNPMTokens and internal dataWhat does Node Security do for me?NPX and NSPCommand Line CILBit Rot or Digital AtrophyHow often should you check repos.AdvisoriesIf I NPM install?Circle CI or TravisNSP CheckWhat else could I add to the securities?Incorporate security as you build thingsHow do you find the vulnerabilities in the NPM packagesTwo Factor authentication for NPMWeak PasswordsOL Dash?Install ScriptsFavorite Security Story?And much more!Links:Node Security Lift Securityhttps://github.com/evilpacket@nodesecurity@liftsecurity@adam_baldwinPicks:AdamKey BaseHave I been Pwned?CharlesNettie Pot convo.comAJThis Episode with Adam BaldwinFree the Future of Radical PriceMade In America Sam WaltonSonic - VGM AlbumJoePych - MovieNG ConfWhy We Don’t SuckSpecial Guest: Adam Baldwin. 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 Tammi 20181h 8min

JSJ 293: Big Data with Nishant Thacker

JSJ 293: Big Data with Nishant Thacker

Panel: Charles Max WoodSpecial Guests: Nishant ThackerIn this episode, JavaScript Jabber speaks with Nishant Thacker. Nishant is the technical product manager for all things big data at Microsoft. Nishant mentions the many new technologies and announcements he is in-charge of at Microsoft.Nishant is on the show to talk about Big Data and gives advice on how to process data and acquire deep insight of your customers. This is a great episode to understand the development of data systems that are the backbone of some marketing tools.In particular, we dive pretty deep on:Processing MetricsProcessing into report and usable informationData lakeCollecting data pointsCreating and maintaining the data lake in its raw formScale up engines and limitsCommodity machines and leverageBig data means to scale outSpecialized engines for audio and video filesHow to have a cohesive report?Writing and Querying across dataStoring raw data and retrieve dataData clusterWhat does the data box look like?And much more!Links:https://www.linkedin.com/in/nishantthacker@nishantthackerPicks:NishantRobot ICharlesZoom H6Shure SM 58Lavalier MicsSpecial Guest: Nishant Thacker. 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 Joulu 201734min

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