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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Jaksot(735)

199 JSJ Visual Studio Code with Chris Dias and Erich Gamma

199 JSJ Visual Studio Code with Chris Dias and Erich Gamma

Check out allremoteconfs.com to get in on all the conference action this year -- from the comfort of your own home! 02:13 - Chris Dias IntroductionTwitter GitHub02:21 - Erich Gamma IntroductionTwitter GitHub02:31 - Visual Studio Code@code 03:49 - Built on ElectronJavaScript Jabber Episode #193: Electron with Jessica Lord and Amy Palamountain 04:25 - Why another tool?Visual DebuggingKeybinding Support08:12 - Code Folding09:00 - Will people move from Visual Studio to Visual Studio Code?12:06 - Language SupportC#18:06 - Visual Studio Code and Microsoft Goals22:47 - Community Support and Building Extensions28:31 - The Choice to Use Electron32:41 - Getting VS Code to Work on the Command Line35:02 - Tabs38:49 - Visual Studio Code Uptake and Adoption40:11 - Licenses44:46 - Designing a UX for Developers58:15 - Design PatternsPicks LEGO Star Wars: The Force Awakens Video Game - Announce Teaser Trailer (Joe) Firebase (Joe) Progress bar noticeably slows down npm install: Issue #11283 (Jamison) Darkest Dungeon (Jamison) Trek Glowacki Twitter Thread (Jamison) Mogo Portable Seat (Chuck) Clear Acrylic Wall Mountable 10 Slot Dry Erase Marker & Eraser Holder Organizer Rack (Chuck) Bitmap Graphics SIGGRAPH'84 Course Notes (Erich) Salsa (Chris) The Microsoft Band (Chris) Making a Murderer (Chris)Special Guests: Chris Dias and Erich Gamma . 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 Helmi 20161h

198 JSJ 2015 Recap and 2016 Predictions

198 JSJ 2015 Recap and 2016 Predictions

02:36 - Big Changes in the JavaScript Community in 2015Star Wars (Joke)Star Wars | Code.orgThe Star Wars APIThe Year of ReactMerge Between Node.js and io.jsThe Year of Tool FatigueJavaScript Jabber Episode #194: JavaScript Tools Fatigue09:38 - Other Uses of JavaScriptReact NativeNativeScriptElectronCordovaiOT (Internet of Things)Elm10:56 - Functional Programming 19:16 - Elm / redux 22:40 - RxJS and Reactive ProgrammingVictor Savkin: Managing State in Angular 2 Applications25:00 - ES201527:43 - Types: TypeScript / Flow 30:59 - npm 33:00 - Junior Developers and BootcampsThinkfulBloc47:27 - Will other communities start looking at Node?49:18 - Building Mobile Apps with JavaScript50:09 - Text Editors or IDEs?Visual Studio CodePicks Victor Savkin: Managing State in Angular 2 Applications (Joe) Desserts of Kharak (Joe) The Prodigals Club (Joe) AST explorer (Aimee) Chyld Medford (Aimee) Mazie's Girl Scout Cookie Digital Order Site (Aimee) Mogo Portable Seat (Chuck) Patt Flynn: How to Write a Book: The Secret to a Super Fast First Draft (Chuck) React Remote Conf (Chuck)  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 Helmi 201659min

197 JSJ Auth0 with Kassandra Perch

197 JSJ Auth0 with Kassandra Perch

02:03 - Kassandra Perch IntroductionTwitter GitHub Blog02:46 - Auth0 04:10 - Centralized Auth Services: Handing Out User Data to Third Parties05:32 - Security, Storage, and Compliance08:48 - Managing Session Data09:35 - Cookies vs JSON Web Tokens (JWTs)How Authentication Works12:47 - OAuthOpenID Connect14:12 - Identification, Authorization, and Authentication20:16 - Auth0 InfrastructureChaos Monkey22:10 - Using Node 23:06 - The BackendFirebase 24:25 - Documentation and Education36:42 - The Value of OpenID Connect 38:25 - IdentityPicks Add AJ on Tri-Force Heroes (AJ) Making a Murderer (AJ) Mazie's Girl Scout Digital Cookie Site (Aimee) React (with Introduction to Flux Architecture) (Aimee) Jordan Scales: Let’s Make A Webpage In 2016 (Jamison) building-brooklynjs (Jamison) Cult of the Party Parrot (Jamison) CSS-Tricks (Jamison) Auth0 Docs (Kassandra) OpenID Foundation (Kassandra) Mario & Luigi: Paper Jam (Kassandra)Special Guest: Kassandra Perch. Support this podcast at — https://redcircle.com/javascript-jabber/donationsPrivacy & Opt-Out: https://redcircle.com/privacyBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

3 Helmi 201640min

196 JSJ Tabris.js with Jochen Krause and Ian Bull

196 JSJ Tabris.js with Jochen Krause and Ian Bull

Check out Freelance Remote Conf and React Remote Conf! 02:31 - Jochen Krause IntroductionTwitterEclipseSource03:21 - Ian Bull IntroductionTwitter GitHub Blog04:01 - Tabris.jstabris-js (GitHub)04:48 - Tabris vs React, Cordova, and React NativeExposing Bluetooth Functionality08:25 - Benefits/Advantages of Using Tabrisj2v8 12:45 - Creating Panels and Flows14:26 - Getting Started Experience16:40 - Handling Updates; Live UpdatingThe Tabris.js Developer App Will Apple eventually ever have to give in?25:15 - Views (Declarative and Imperative UI)Ext JS29:09 - "Write once, run anywhere." vs "Learn once write anywhere."35:21 - Why have other projects failed or not failed?Xamarin39:41 - What does it mean to be statically compiled?40:44 - Styling: Creating a Middle Group that Looks and Feels Good (iOS vs Android)Cross-platform Logic and Ecosystems47:51 - ES6 Implications49:29 - PluginsCocoaPods and Widgets'Picks Star Wars Essentials (AJ) Star Wars: The Force Awakens (AJ) Thing Explainer: Complicated Stuff in Simple Words by Randall Munroe (AJ) James Edwards: Making a Mini-Lisp: Introduction to Transpilers (Aimee) Nick Saban (Aimee) Lloyd Borrett: Bill Gates and Petals Around the Rose (Jamison) Dan Luu: Normalization of Deviance in Software: How Completely Broken Practices Become Normal (Jamison) Craig Stuntz: Programs that Write Programs: How Compilers Work (Jamison) Microsoft (Dave) Tina Fey (Dave) thoughtram Blog (Dave) Pascal Precht (Dave) CES (Chuck) The Modern Team (Ian) Eric Elliott (Ian) Thinking, Fast and Slow by Daniel Kahneman (Jochen)Special Guests: Ian Bull and Jochen Krause. 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.

27 Tammi 20161h 8min

195 JSJ Rollup.js with Rich Harris and Oskar Segersvärd

195 JSJ Rollup.js with Rich Harris and Oskar Segersvärd

02:17 - Rich Harris IntroductionTwitter GitHub BlogThe Guardian02:34 - Oskar Segersvärd IntroductionTwitter GitHubWidespace02:50 - rollup.jsrollup - npm 04:47 - Caveats and Fundamental Differences Between CommonJS and AMD Modules and ES6 ModuleslodashStatic Analysis11:26 - Where rollup.js Fits in the EcosystemBundler vs Loadersystemjsjspmwebpack17:40 - Input Modules18:35 - Why Focus on Bundling Tools vs HTTP/2 20:13 - Tree-shaking versus dead code elimination 25:53 - ES6/ES2016 Support27:36 - Other Important Optimizations32:11 - Small modules: it’s not quite that simplethree.js41:54 - jsnext:main – should we use it, and what for? Picks Better Off Ted (Joe) Elementary (Joe) Ruby Rogues Episode #137: Book Club - Functional Programming for the Object-Oriented Programmer with Brian Marick (Aimee) Ruby Rogues Episode #115: Functional and Object Oriented Programming with Jessica Kerr (Aimee) Ruby Rogues Episode #65: Functional vs Object Oriented Programming with Michael Feathers (Aimee) Operation Code (Aimee) Google Define Function (Dave) Scott Hanselman: Dark Matter Developers: The Unseen 99% (Dave) MyFitnessPal (Chuck) Nike+ Running (Chuck) Couch to 10k (Chuck) Aftershokz Bluez 2 Headphones (Chuck) Pebble Time Steel (Chuck) Climbing (Rich) The Codeless Code (Rich) Star Wars (Rich) The Website Obesity Crisis (Oskar)Special Guests: Oskar Segersvärd and Rich Harris. 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 Tammi 20161h 4min

194 JSJ JavaScript Tools Fatigue

194 JSJ JavaScript Tools Fatigue

JS Remote Conf starts tomorrow! Get your ticket TODAY! 03:59 - JavaScript Tools FatigueCatalyst: Eric Clemmons: Javascript FatigueSome Twitter Opinions and Perspectives:Ryan FlorenceMichael JacksonJamisonVjeuxSebastian McKenzie09:25 - Are popular technologies ahead of public consumability?Ryan Florence Tweet 12:53 - Adopting New Things / Churn Burnout18:02 - Non-JavaScript Developers and Team Adoption30:49 - Is this the result of a crowdsourced design effort?35:44 - Human Interactions45:00 - Tools47:03 - How many/which of these tools do I need to learn?Picks Julie Evans: How to Get Better at Debugging (Jamison) Totally Tooling Tips: Debugging Promises with DevTools (Jamison) Making a Murderer (Jamison) Scott Alexander: I Can Tolerate Anything Except the Outgroup (Jamison) @SciencePorn (Dave) postcss (Aimee) Cory House: The Illogical Allure of Extremes (Aimee) Kerrygold Natural Irish Butter (Aimee) Star Wars (Joe) @iammerrick (Joe) Greg Wilson: What We Actually Know About Software Development, and Why We Believe It's True (Joe) The U.S. Military (Joe) Operation Code (Aimee) Ruby Rogues Episode #184: What We Actually Know About Software Development and Why We Believe It's True with Greg Wilson and Andreas Stefik (Chuck) Serial Podcast (Chuck) 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 Tammi 20161h 6min

193 JSJ Electron with Jessica Lord and Amy Palamountain

193 JSJ Electron with Jessica Lord and Amy Palamountain

Get your JS Remote Conf tickets! Freelance’ Remote Conf’s schedule is shaping up! Head over here to check it out! 02:17 - Jessica Lord IntroductionTwitter GitHub Blog02:40 - Amy Palamountain IntroductionTwitter GitHub Blog03:14 - Electron Atom 04:55 - Cross-platform Compatibility05:55 - Electron/Atom + GitHub07:16 - Electron/Atom + React ?07:57 - Use Cases for Electronmuan/mojibarmafintosh/playback npm-scripts-guiAmy Palamountain: Building native applications with Electron @ Nordic.js 201515:09 - Creating Electron Apps on Phones17:25 - Running a Service Inside of Electron  Visual Studio CodeAdventures in Angular Episode #44: Visual Studio Code with Erich Gamma and Chris Dias19:46 - Making an Electron AppPhoton conors/photon Photon Components N1 24:09 - Sharing Code27:40 - Plugins for Functionalityelectron-accelerator electron-packager electron-prebuilt 31:08 - Keeping Up-to-date/Adding Features33:14 - Pain PointsNuGet 36:22 - Using Electron for NativeJavaScript Jabber Episode #186: JSJ NativeScript with TJ VanToll and Burke Holland PhoneGapReactive NativeNativeScript39:48 - What is a “webview”?42:12 - Getting Started with Electron43:28 - Robotics/Hardware Hacking with ElectronJIBOPicks Autolux - Future Perfect (Jamison) Move Fast and Break Nothing (Aimee) [egghead.io] Getting Started with Redux (Dave) Destructuring and parameter handling in ECMAScript 6 (Dave) JS Remote Conf (Chuck) Freelance Remote Conf (Chuck) React Remote Conf (Chuck) Pebble Time Steel (Chuck) UglyBaby Etsy Shop (Amy) Jimmy Fallon: Kid Theater with Tom Hanks (Jessica)  Special Guests: Amy Palamountain and Jessica Lord . 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 Tammi 201653min

192 JSJ IoT with Peter Hoddie

192 JSJ IoT with Peter Hoddie

Get your JS Remote Conf tickets! 02:10 - Peter Hoddie IntroductionTwitter02:36 - Kinoma     03:28 - Embedded Development in C; Approachability05:24 - IoT = Internet of Things; Embedded Devices and Systems08:59 - Mesh Networking 10:41 - IoT and JavaScriptXS6Duktape luvit LuaJewelbots 20:08 - Getting Started & Electrical Engineering22:42 - Testing 24:56 - Security31:07 - Bootstrap 34:16 - Community Resistance35:56 - Where is IoT heading as far as applications go?Scriptability41:57 - Preparing Today for the FuturePicks Let’s Encrypt (AJ) The web accessibility basics (Jamison) readthesource (Aimee) Drip (Chuck) Twilio (Chuck) JS Remote Conf (Chuck) All Remote Confs (Chuck) Standard ECMA-262 (Peter) The Future of the Internet--And How to Stop It by Jonathan Zittrain (Peter) Software Freedom Conservancy (Peter)Special Guest: Peter Hoddie. 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 Joulu 201558min

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