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 284 : Helping Developers Build Healthy Bodies

JSJ 284 : Helping Developers Build Healthy Bodies

Panel: Amiee KnightCharles Max WoodSpecial Guests: JC HiattIn this episode, JavaScript Jabbers speak with JC Hiatt. JC is a software consultant, and working a starting a company called DevLifts. DevLifts is a company that helps developers learn to live healthier lives. JC mentions this business was base on this health journey.JC and the panel discuss output and mental clarity to get work done in a healthy fashion. Also, the benefits of eating a healthy diet, rather it is the Keto Diet or others types of healthy clean eating, there is a physical and mental benefit. JC and the panel talk about count macros, healthy food intake, and a basic outline of getting into ketosis. Also, the panel discusses finding the motivation to get into a healthy lifestyle to benefit work and your lifestyle.In particular, we dive pretty deep on:Mental ClarityKeto DietCutting out processed foodsCounting MacrosGetting into KetosisSupporting brain functionMotivation for a healthy lifestyleGaining energyGetting started  - Walking, Eat Whole. Etc.Pack your own lunchMindset change -  you are responsible for anyone else’s healthy choicesDrink WaterYou can find a healthy balance and practice moderationCheat day?SugarSitting to0 long at workSleep - brain wave activity, caffeine, and lightNapsAnd much more!Links:@jchiatt@devliftsdevlifts.ioPicks:Amieehttps://www.womenwhotech.com/panelist-bioshttps://github.com/AllThingsSmitty/css-protipsCharlesGunnar blue blockers FluxReactDevSummit.comJSDevSummit.com JCAmerican VandalConfession Tapes Qalohttps://lodash.comSpecial Guest: JC Hiatt. 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 Loka 201757min

JSJ BONUS: Cloud Services and Manifold with Matthew Creager and Peter Cho

JSJ BONUS: Cloud Services and Manifold with Matthew Creager and Peter Cho

Panel:Amiee KnightCharles Max WoodJoe EamesSpecial Guests: Matthew Creager and Peter ChoIn this episode, JavaScript Jabbers speak with Matthew Ceager and Peter Cho. Matthew and Peter are part of the team at Manifold. Manifold is a marketplace for developer services. Matthew takes care of growth and relations, and Peter oversee products at Manifold.The panel discusses with Peter and Matthew what Manifold does and the benefits of a Cloud Service. Matthew gives perspective on how developers can get their cloud product on the market compared to open source.  Further discussion goes into how this will help the developer to get their products or services turned into a business quicker and save time  Also learn about when it is the ideal time to move to cloud services vs. running a server yourself.In particular, we dive pretty deep on:Different kinds of definition of Cloud ServicesAnything you would rely on as a third party serviceWhat is the cloud service ecosystem - Services that connect to an applicationIndependent market place -  because it is difficult to turn a product into a businessWhere are people using cloud services or running their own serverSpinning up a version of it is easier.Time verses doing it yourself?Experts running the servicesFocusing on your product instead of managing the server and suchWhere does the data live and who has access to that?Lock In’s?Tourist - Credentials managementHow do I get this setup? Command Line or register onlineAnd much more!Links:Manifoldhttps://github.com/mattcreager@manifoldco@etcpeter@matt_creagerblog.manifold.comPicks:AmieeRyan McDermottCharlesGitLab AdminLTEJoeWhat You Can’t SayMattStar TrekPuppeteerPeterPlayer Unknown Battle Ground Sourdough   by Robin SloanSpecial Guests: Matthew Creager and Peter Cho. 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 Loka 201746min

JSJ 283:  A/B Testing with Nick Disabato

JSJ 283: A/B Testing with Nick Disabato

Panel:Aimee KnightCharles Max WoodSpecial Guests: Nick DisabatoIn this episode, Java Script Jabbers talk with Nick Disabato. Nick is a newbie to JavaScript Jabber. Nick is the founder of Draft, an interaction design agency where he does research driven A/B testing of E-commerce business.This is a practical episode for those who are running a business and doing marketing for the products and services. Nick talks about A/B testing for a number scenarios within the company, such as for websites, funnels, and various marketing mechanisms. Nick further goes into how this helps companies strategically increase revenue by changing things such as websites design or building funnels.In particular, we dive pretty deep on:Testing of changes of Copy, Websites, etc.What does it mean of changes, Tools, Framework, Plugins, etcDoes it matter what tools you use? Framework that works within your stackHow do make we company moneyResearching for the next testTesting for conversion rate to decide which design to go implement - VariantResponsibility for the designsFeature and getting pay for the serviceLearn more about the resources and Copy HackersLarge organization or developers, or a QA departmentOptimization teamsUsability tests and coming up with A/B testsExpertiseWhy should be care?And much more!Links:DraftNick Disabato@nickdConversionXLAB Testing ManualWider Funnels Copy HackersPicks:AmieeNodevember CharlesMike Gehard Admin LTENickHotJar.comSpecial Guest: Nick Disabato. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

17 Loka 201742min

JSJ 282: Trails.js with Scott Wyatt

JSJ 282: Trails.js with Scott Wyatt

Panel:Joe EamesAimee KnightCharles Max WoodCory HouseSpecial Guests: Scott WyattIn this episode, JavaScript Jabbers talk with Scott Wyatt. Scott is the Co-founder, CTO, UEX at Cali StyleTechnologies, and is a Node developer and graphic designer.  Scott is on JavaScript Jabber to talk about Trails.js. and its simplistic build, but many useful functions.Scott mentions that Trails.js was created by Travis Webb. Scott gives us an introduction to the Trails.js framework, as the Jabbers take apart and dive deep into the build, functions, and uses.  Scott goes into what trail packs are, and the similar or related projects. Scott talks about the ease of using trails to build with, and not ending up in frustration.In particular, we dive pretty deep on:Trails.js is Node Framework and lightweight or BlueprintSimilar to Redux?Is it MVC like RailsYou don’t need to understand it, it is all under the hood.Tuple SpaceIs this sole for server-side rendering?Closest projects - SailsAvoid problems like React.Not dealing with corporationsWhy would you want to use trails instead of other projects like Sails, rails, etc.How do you get started - trailjs.ioQuickest way to learn Trails is to build a Trail PackDon’t be afraid to kill you darlingsTestingIt Trails production ready?It is a particular type of app where Trails shines?Linkstrailsjs.ioTravis WebbPicksAmyFull Stack Developers by Brad FrostTracking MacrosJoeThe Behavior GapCharlesProfit First Keto Dietscott-wyatt/GitHub CoryNever write another high Order ComponentScottProxy EngineSpecial Guest: Scott Wyatt. 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 Loka 201745min

JSJ 281: CodeSponsor - Sustaining Open-Source Software through Ethical Advertising with Eric Berry

JSJ 281: CodeSponsor - Sustaining Open-Source Software through Ethical Advertising with Eric Berry

Panel: Aimee KnightAJ O'NealCharles Max Wood Guest: Eric BerryThis week on Ruby Rogues, we interview our very own, Eric Berry, to talk about the sustainability of open-source projects through ethical advertising. The team talks about once open source projects like PhantomJS, Cancan, and many others.The Rogues dive into the many different scenarios that lead open source projects astray. Problems like working on the project without compensation, be overworked, and no interest are many of the reasons these are not sustained in the long run.However, are there solutions like donations or sponsorship to sustain such projects? And how do we go about finding funding or compensation for these open source projects? Eric describes that advertising tactics and strategies for open source. Eric talks about his work with Code Sponsor and how they support the open source community with funding.In particular, we dive pretty deep on:Ruby Rogues talk about burnout on projectsWorking on projects for free and the project falls apartSolutions behind the more popular projects like Ruby on Rails and NPM.Lemonade Stand - Sustaining and bounty sourced projectsSponsorship or company supported projects.Crowdfunding - not sustainable, but helps.Donation buttons, do they work?Who would pay developers for this?Developers taking care of other developersAdvertising, and helping pay for projects to stay alive!Help developers stay funded without a spam haven.and much, much more!Links: CancanPhantomJSCode SponsorTimber RollbarCoreLogicTrackJS CircleCICodeConf. PicksAimeePositive Experience for Women in TechHand Written CardsCharlesKeto Diet - Fat HeadRuby Dev. SummitAJReal Love by Greg BaerEricNate HopkinsOpen CollectiveCarbonAds.Etc.Special Guest: Eric Berry. 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.

2 Loka 20171h 1min

JSJ 280: Stackblitz with Eric Simons and Albert Pai

JSJ 280: Stackblitz with Eric Simons and Albert Pai

Panel:Joe AimeeCharles  Special Guests: Eric Simmons Albert PaiIn this episode, JavaScript Jabbers talk to Eric Simmons and Albert Pai, the co-founder of thinkster.io, where their team teaches the bleeding edge of javascript technology’s various frameworks and backend. Also, with the recent creation of Stalkblitz, which is the center topic of today discussion. Stackblitz it an online VS Code IDE for Angular, React, and a few more others are supported. This is designed to run web pack and vs code inside your browser at blazing fast speeds. Eric and Albert dive into the many different advantages and services available by StackBlitz and thinker.io. In particular, we dive pretty deep on:Similarities  and differences to Heroku System JS Stacklets  Testing and creating an in-browser system file systemCreating a type of VS Code experience, Working Off Line Updating of the StackletsDeployment tools or exporting Hot ReloadingIntegrated terminalsMonacoLanguage Services How do you architect this implementation The innovation of browsersGuy Bedford Financing vs. Chipotle Burritos Will this product in the future cost moneyLinksthinkster.iohttps://medium.com/@ericsimons/stackblitz-online-vs-code-ide-for-angular-react-7d09348497f4@stackblitz stackblitz.com PicksAimeePromises Series by Andrew Del PreteCrossfit JoeWholesome MemeSara CooperCharlesPivotal Tracker MatterMost asana.comZapierEric realworld.io David East Albert thinkster.ioThing ExplainerSpecial Guests: Albert Pai and Eric Simons . 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.

26 Syys 201751min

JSJ 279: ES Modules in Node Today! with John-David Dalton

JSJ 279: ES Modules in Node Today! with John-David Dalton

Tweet this EpisodeJohn-David Dalton is probably best known for the Lodash library. He's currently working at Microsoft on the Edge team. He makes sure that libraries and frameworks work well in Edge.The JavaScript Jabber panel discusses the ECMAScript module system port to Node.js. John wanted to ship the ES module system to Node.js for Lodash to increase speed and decrease the disk space that it takes up. This approach allows you to gzip the library and get it down to 90 kb.This episode dives in detail into:ES Modules, what they are and how they workThe Node.js and NPM package delivery ecosystemModule loaders in Node.jsBabel (and other compilers) versus ES Module Loaderand much, much more...Links:LodashES Module Loader for NodeNodeCommonJSBabelTypeScriptFlowTypeMicrosoftESM Blog PostMeteorReifyESM SpecPhantomJSzlib module in NodeAWS LambdaNPMWebpackRollupJohn-David Dalton on TwitterPicks:Cory:Trending Developer SkillsThe Devops HandbookAimee:NodevemberES Modules in Node Today (blog post)Dating is DeadAaron:Ready Player One trailer breakdownJim Jefferies  ShowI Can't Make This Up by Kevin HartWork with Aaron at SaltStackChuck:Angular Dev SummitZohoCRMWorking on Cars - Therapeutic working with your hands doing physical workJohn:TC39 Proposal for Optional ChainingToyBox 3D PrinterSpecial Guest: John-David Dalton. 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.

19 Syys 201757min

JSJ 278 Machine Learning with Tyler Renelle

JSJ 278 Machine Learning with Tyler Renelle

Tweet this EpisodeTyler Renelle is a contractor and developer who has worked in various web technologies like Node, Angular, Rails, and much more. He's also build machine learning backends in Python (Flask), Tensorflow, and Neural Networks.The JavaScript Jabber panel dives into Machine Learning with Tyler Renelle. Specifically, they go into what is emerging in machine learning and artificial intelligence and what that means for programmers and programming jobs.This episode dives into:Whether machine learning will replace programming jobsEconomic automationWhich platforms and languages to use to get into machine learningand much, much more...Links:Raspberry PiArduinoHacker NewsNeural Networks (wikipedia)Deep MindShallow AlgorithmsGenetic AlgorithmsCrisper gene editingWixthegrid.ioCodeschoolCodecademyTensorflowKerasMachine Learning GuideAndrew Ng Coursera CoursePythonRJavaTorchPyTorchCaffeScikit learnTensorfireDeepLearn.jsThe Singularity is Near by Ray KurzweilTensorforceSuper Intelligence by Nick BostromPicks:AimeeInclude mediaNodevemberPhone casesAJData SkepticReady Player OneJoeEverybody LiesTylerEx MachinaPhilosophy of Mind: Brains, Consciousness, and Thinking MachinesSpecial Guest: Tyler Renelle. 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.

12 Syys 201748min

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