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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030 JSJ Learning & Teaching JavaScript with Noel Rappin

030 JSJ Learning & Teaching JavaScript with Noel Rappin

PanelNoel Rappin (twitter github blog) Jamison Dance (twitter github blog) Charles Max Wood (twitter github Teach Me To Code Intro to CoffeeScript) AJ O’Neal (twitter github blog) Discussion 00:52 - Works in training and talent development for Groupon00:56 - Author of Rails Test Prescriptions and upcoming Master Space and Time with JavaScript01:21 - Writing a book about JavaScript02:33 - Focus of the bookPart 1: Jasmine and jQuery and the JavaScript Object Model Part 2: Extended examples of jQuery Part 3: Backbone Part 4: Ember 03:46 - Self-published authors05:15 - Approaches and mindsets to learning JavaScript06:04 - “Gotchas!” and bad features in Javascript09:17 - Modeling JavaScript for beginners11:23 - (AJ joins the podcast)11:42 - Resources/Classes for learning JavaScriptGood Parts Book: Douglas Crockford JavaScript Patterns: Stoyan Stefanov Eloquent JavaScript: A Modern Introduction to Programming: Marijn Haverbeke Maintainable JavaScript: Nicholas C. Zakas 13:54 - Hiring people with JavaScript experience at Groupon15:12 - Training workshops17:00 - Getting new hires up to speed quicklyPairing Mentoring Lectures Workshops 21:38 - Book LearningYou can learn at your own pace But it’s hard to ask questions to a book 22:51 - How Noel gained expertise in JavaScript24:38 - Code reading and learning to program a language26:18 - Teaching people JavaScript as their very first language31:55 - Classroom layout33:42 - Online trainingKahn Academy Computer ScienceCode AcademyStarter League40:00 - Finding a mentorStack Overflow PicksShrines by Purity Ring (Jamison) Learnable Programming: Bret Victor (Jamison) Mob Software: Richard P. Gabriel & Ron Goldman (Jamison) Monoprice.com (AJ) ZREO: Zelda Reorchestrated (AJ) The Official Twitter App (Chuck) Fluid App (Chuck) Try Jasmine! (Noel) Justin Searls (Noel) The Atrocity Archives: Charles Stross (Noel) Futurity: A Musical by The Lisps (Noel) Transcript NOEL: I’m trying to figure out where the chat is in this stupid Skype interface.JAMISON: Just imagine the worst place it could possibly be and that’s where it is.[This episode is sponsored by ComponentOne, makers of Wijmo. If you need stunning UI elements or awesome graphs and charts, then go to wijmo.com and check them out.][Hosting and bandwidth provided by The Blue Box Group. Check them out at bluebox.net]CHUCK: Hey everybody and welcome to Episode 30 of the JavaScript Jabber show! This week on our panel we have, Jamison Dance.JAMISON: Hey guys!CHUCK: I’m Charles Max Wood from devchat.tv and this week, we have a special guest and that’s Noel Rappin!NOEL: Hey everybody!CHUCK: For the people who don’t know who you are, you want to introduce yourself, Noel?NOEL:  Sure. I currently work in training and talent development for Groupon. And I am the author of previously “Rails Test Prescriptions” and currently a self-published book called “Master Time and Space with JavaScript”, which you can get at noelrappin.com. I need to spell that out, right? N-o-e-l-r-a-p-p-i-n.comCHUCK: So I’m little curious, before we get into the topic which is learning and teaching JavaScript, how did you get into writing a book about JavaScript? What’s your background there?NOEL: You know, it actually relates to teaching and learning JavaScript. I think, I was like… a lot of long time web devs. I spent my first round as a web consultant in around, turn of the century 2000’s. I spent time trying to talk clients out of JavaScript stuff because it was such a pain in the neck. And I kind of got away from it for awhile and came back a couple of years ago to realize that basically, everything had changed and they were actually usable tools now.And last summer, I was working with a… at that time,Special Guest: Noel Rappin. 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 Loka 201251min

029 JSJ Bower.js with Alex MacCaw and Jacob Thornton

029 JSJ Bower.js with Alex MacCaw and Jacob Thornton

PanelAlex MacCaw (twitter github blog) Jacob Thornton (Fat) (twitter github blog) AJ O’Neal (twitter github blog) Jamison Dance (twitter github blog) Joe Eames (twitter github blog) Charles Max Wood (twitter github Teach Me To Code Intro to CoffeeScript) DiscussionBower.js (web) Bower.js (twitter) Bower.js (github) SXSW Package managers ender-js BPM hem Benefits Small components Yeoman.io Browserify Dependencies Segmenting the community Transports Mozilla (github) Commands Building an actual package manager node.js Moving parts of a package manager Events Challenges Ember.js Mobile web application development Google Chrome apps Desktop apps in JavaScript PicksKershaw Ken Onion Tactical Blur Folding Knife (AJ) The xx: Coexist (Jamison) Neil Armstrong’s Solemn but Not Sad Memorial Cathedral (Jamison) Collective Soul Cat (Jamison) Amazon Prime (Joe) Star Trek Original Series on Amazon Prime (Joe) Functional Programming Principles in Scala: Martin Odersky (Joe) Domo (hiring!) (Joe) Delegation in Google (Chuck) Civilization IV (Chuck) Fujitsu ScanSnap (Chuck) Bill Nye’s Twitter Account getting suspended was not cool (Jacob) Github + Twitter profile redesign (Jacob) Avoid 7/11 Hot Dog Flavored Chips (Jacob) The Big Picture (Alex) CoffeeScriptRedux (Alex) Stripe (Alex) Special Guests: Alex MacCaw and Jacob Thornton. 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 201247min

028 JSJ Greenfield vs Brownfield Projects

028 JSJ Greenfield vs Brownfield Projects

PanelJoe Eames (twitter github blog) AJ O'Neal (twitter github blog) Jamison Dance (twitter github blog) Charles Max Wood (twitter github Teach Me To Code Rails Summer Camp) DiscussionGreenfield - Brand New Project Brownfield - Older Applications, Legacy Code Poopfield - PHP Development Dealing With Legacy Code Use Tests Working Effectively with Legacy Code - Michael Feathers Risk When is the big rewrite the correct answer? PicksJoseph Smith: Rough Stone Rolling (AJ) Roll Up Crepes (AJ) Calepin (AJ) Bernie (Jamison) Dota 2 (Jamison) Derrick Storm Novels - A Brewing Storm, A Bloody Storm, A Raging Storm (Joe) Castle (Joe) X-Wing Mineatures (Joe) PEX For Fun (Joe) MLG Championship - Starcraft Duel (Joe) VESA 75 to 100 Adapter (Chuck) LG Tone Bluetooth Headphones (Chuck) Transcript JOE: Listen baby, it won’t get weird.JAMISON: [Chuckles]AJ: That sounds... weird.JAMISON: [Chuckles] Too Late.[Hosting and bandwidth provided by the Blue Box Group. Check them out at bluebox.net.][This episode is sponsored by Harvest. I use Harvest to track time, track subcontractor’s time and invoice clients. Their time tracking is really simple and easy to use. Invoicing includes a ‘pay now’ function by credit card and PayPal. And you can sign up at getharvest.com. Use the code RF to get 50% off your first month.]CHUCK: Hey everybody and welcome to episode 28 of the JavaScript Jabber show. This week on our panel, we have AJ O’Neil.AJ: Yo, yo, yo comin’ at you live from the second story of an office base in Orem, Utah.CHUCK:  We also have Jamison Dance.JAMISON: Hi, I’m Jamison Dance and I am super excited, because today iTV just announced that we are doing the Nintendo TV thing; and I haven’t been able to talk about it for, like, six months, so it’s a good day.CHUCK: Cool. We also have Joe Eames.JOE: Comin at you semi live from American Fork, Utah.CHUCK: And I am Charles Max Wood from devchat.tv. Tim is not with us this week because he is in China. I thought I’d point that out, because I think it’s cool. Anyway, this week we are going to be talking about Greenfield versus Brownfield projects. It was kind of funny when we were getting ready to do this, some of the panels were like, Green/Brown?JAMISON: Yeah, I have to pull Josh Susser and ask for a definition.CHUCK: So, as far as I understand it, there are some new --- to this, depending to who you talk to, but mostly, Greenfield is a brand new project with few or no decisions made and no code written for it yet. And Brownfield projects are effectively older applications usually associated with legacy code. You know, so it’s an application that already has code written toward it. Typically, it is out there in the world doing whatever it is supposed to do.JAMISON: Now, I want to put this question delicately. Are there any fecal connotations to the color ‘brown’ in Brownfield?CHUCK: Only if it’s PHP.JOE: [Chuckles]. Then it’s Poopfield Development?CHUCK: [Chuckles]. Okay, we are not gonna go down that tangent.[Laughter]AJ: Because, I mean honestly, when Mormons make jokes about crap, it never sounds good anyway.CHUCK: Yeah. So anyway, how many of you guys have actually worked on a real Greenfield project? Like been there from day one, that you have it just built yourself.JAMISON: I guess it depends on your definition. Maybe. So we have lots of services at ITV, so I've been part of spinning up completely new services that didn’t exist. We had other sort of similar things already, so some of the decisions were already made for, so we kind of had a style established. But it was still like a separate project.AJ: Do you forget us so soon, Jamison?JAMISON: [Chuckles].AJ: You don’t remember ever working here or getting started…JAMISON: I do. I don’t remember Greenfield stuff; I remember new features, I mean, 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.

21 Syys 201214min

027 JSJ The JavaScript Community

027 JSJ The JavaScript Community

The panelists discuss the JavaScript community at large. 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.

5 Syys 201249min

026 JSJ Code Organization and Reuse

026 JSJ Code Organization and Reuse

The panelists talk about code organization and reuse. 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 Elo 201256min

025 JSJ Require.js with James Burke

025 JSJ Require.js with James Burke

The panelists talk to James Burke about Require.js.Special Guest: James Burke . 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.

21 Elo 201235min

024 JSJ Strata.js with Michael Jackson

024 JSJ Strata.js with Michael Jackson

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.

14 Elo 201243min

023 JSJ Phantom.js with Ariya Hidayat

023 JSJ Phantom.js with Ariya Hidayat

The panelists talk to Ariya Hidayat about Phantom.js.Special Guest: Ariya Hidayat. 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.

7 Elo 201240min

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