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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Episoder(734)

JSJ 370:  Azure Functions Part II with Jeff Hollan LIVE at Microsoft BUILD

JSJ 370: Azure Functions Part II with Jeff Hollan LIVE at Microsoft BUILD

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for 2 months free on Sentry small planCacheFlyPanelCharles Max Wood Joined by Special Guest: Jeff Hollan Episode SummaryComing to you live from the podcast booth at Microsoft BUILD is Charles Max Wood with Jeff Hollan. Jeff is a Sr. Program Manager for the Azure Functions cloud service. Continuing from where Colby Tresness left off in Adventures in Angular 241: Azure Functions with Colby Tresness LIVE at Microsoft BUILD, Jeff defines what “serverless” really means in developer world. Jeff also talks about various scenarios where Azure functions are extremely useful and explains what Durable Functions are.Jeff and Charles discuss creating and running an Azure function inside a container and the upcoming capabilities of Azure functions they are currently working on.LinksJavaScript Jabber 369: Azure Functions with Colby Tresness LIVE at Microsoft BUILDDurable FunctionsJeff’s GitHubJeff’s TwitterJeff’s LinkedInJeff’s WebsiteJeff’s MediumMicrosoft Build 2019Follow JavaScript Jabber on Devchat.tv, Facebook and Twitter.PicksJeff Hollan:Calm AppGame of Thrones TV SeriesCharles Max Wood:Family Tree AppSpecial Guest: Jeff Hollan. 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 Jun 201954min

JSJ 369:  Azure Functions with Colby Tresness LIVE at MIcrosoft BUILD

JSJ 369: Azure Functions with Colby Tresness LIVE at MIcrosoft BUILD

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditLinode offers $20 creditCacheFlyPanelCharles Max Wood Joined by Special Guest: Colby TresnessEpisode SummaryComing to you live from the podcast booth at Microsoft BUILD is Charles Max Wood with Colby Tresness. Colby is a Program Manager on Azure Functions at Microsoft. Azure functions are the serverless functions on Azure. Colby explains what the Azure functions premium plan entails, then talks about KEDA – Kubernetes-based event-driven autoscaling, a Microsoft and Red Hat partnered open source component to provide event-driven capabilities for any Kubernetes workload. One of the other cool features of serverless functions they talk about is the Azure serverless community library.Colby and Charles discuss the best way to get started with Azure functions, as well as the non-JavaScript languages it supports.LinksColby’s GitHubColby’s TwitterColby’s LinkedInColby’s BlogMicrosoft Build 2019KEDARed HatAzure Serverless Community LibraryFollow Adventures in Angular on tv, Facebook and Twitter.PicksColby Tresness:Barry (TV Series 2018– ) – IMDb Charles Max Wood:The Legend of Zelda: Breath of the WildThe MFCEO Project Podcast – Andy Frisella Downtown SeattleSpecial Guest: Colby Tresness. 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 Jun 201938min

JSJ 368: TypeScript - Good or Bad

JSJ 368: TypeScript - Good or Bad

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditLinode offers $20 creditCacheFlyPanelJoe EamesAJ O’NealEpisode SummaryIn this episode of JavaScript Jabber, Joe Eames and AJ O’Neal talk about what TypeScript is, and their background and experiences with it. They discuss the different kinds of typed languages such as dynamic vs static, strong vs weak, implicit vs explicit casting and the reasons for selecting one type over the other. AJ shares his opinion on not preferring TypeScript in general, while Joe offers a counter perspective on liking it, and both give a number of reasons to support each argument. They talk about some final good and bad points about TypeScript and move on to picks.LinksTypeScriptCoffeeScriptFollow JavaScript Jabber on Devchat.tv, Facebook and Twitter.PicksJoe Eames:CypressWhat if your dev environment was a PWA? 🤯 | Eric SimonsAngular 8 IntergalacticStar Wars Tantive IV Lego setAJ O’Neal:Measure What Matters@root on npm@bluecrypt on npm  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.

11 Jun 201958min

JSJ 367: Pair Programming

JSJ 367: Pair Programming

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditLinode offers $20 creditCacheFlyPanelAimee KnightAJ O’NealChris FerdinandiEpisode SummaryIn this episode of JavaScript Jabber, the panelists discuss each one’s definition of the term ‘pairing’ in programming, including factors like being remote or local, having different seniority levels and the various approaches of going about it in general. They talk about how valuable pairing is, in terms of benefiting the individual as well as how productive it is for the company or the overall business.The panel also discuss prototyping, pseudo-coding and the advantages and trade-offs involved in pair programming. They talk about their own experiences in which pairing had proven to be extremely beneficial and the ones where it went completely wrong, thereby helping listeners understand the dos and don’ts of the technique. In the end, they elaborate on what actually happens in pairing interviews and the overall hiring process while sharing anecdotes from their own lives.LinksFollow JavaScript Jabber on Devchat.tv, Facebook and Twitter.PicksChris Ferdinandi:Enso RingsVanilla JS ProjectsAJ O’Neal:Salt and Pepper Grinder setPeppercorn blendPink Himalayan saltAimee Knight:Enneagram testKittyramaSupport 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 Jun 20191h 4min

JSJ 366: npm with Mikeal Rogers

JSJ 366: npm with Mikeal Rogers

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditLinode offers $20 creditCacheFlyPanelAJ O’NealChris FerdinandiAimee KnightCharles Max WoodJoined by special guest: Mikeal RogersEpisode SummaryThis episode of JavaScript Jabber starts with Mikeal Rogers introducing himself and his work in brief. Charles clarifies that he wants to focus this show on some beginner content such as node.js basics, so Mikeal gives some historical background on the concept, elaborates on its modern usage and features and explains what “streams” are, for listeners who are starting to get into JavaScript. The panelists then discuss how languages like Go and Python compare to node.js in terms of growth and individual learning curves. Mikeal answers questions about alternate CLIs, package management, Pika, import maps and their effect on node.js, and on learning JavaScript in general. Chris, Charles and AJ also chip in with their experiences in teaching modern JS to new learners and its difficulty level in comparison to other frameworks. They wrap up the episode with picks.LinksMikeal on TwitterMikeal on GitHubFollow JavaScript Jabber on Devchat.tv, Facebook and Twitter.PicksChris Ferdinandi:Mozilla FirefoxArtifact ConferenceAimee Knight:A Magician Explains Why We See What’s Not ThereProgramming: doing it more vs doing it betterMikeal Rogers:The Future of the Web – CascadiaJS 2018Brave BrowserCharles Max Wood:PodwrenchSpecial Guest: Mikeal Rogers. 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 Mai 20191h 11min

JSJ 365: Do You Need a Front-End Framework?

JSJ 365: Do You Need a Front-End Framework?

SponsorsSentry use code “devchat” for 2 months free Triplebyte $1000 signing bonus LinodePanelCharles Max WoodAimee KnightChris FerdinandiAJ O’NealJoe EamesEpisode SummaryToday the panel discusses the necessity of a front end framework. Overall, there is a consensus that frameworks are not necessary in all situations. They discuss the downsides of using frameworks, such as being restricted by the framework when doing edge development and the time required for learning a framework. They talk about the value of frameworks for learning patterns in programming. The panel delves into the pros and cons of different frameworks available. Joe shares a story about teaching someone first without a framework and then introducing them to frameworks, and the way it helped with their learning. One of the pros of frameworks is that they are better documented than manual coding. They all agree that it is not enough to just know a framework, you must continue to learn JavaScript as well. They talk about the necessity for new programmers to learn a framework to get a job, and the consensus is that a knowledge of vanilla JavaScript and a general knowledge of the framework for the job is important. New programmers are advised to not be crippled by the fear of not knowing enough and to have an attitude of continual learning. In the technology industry, it is easy to get overwhelmed by all the developments and feel that one cannot possibly learn it all. Charles gives advice on how to find your place in the development world. The show concludes with the panel agreeing that frameworks are overall a good thing and are valuable tools. LinksJWTAngularVueBackboneGoLangExpressReactReduxHyper HTML4eachPascalJQueryNpm.js Follow DevChat on Facebook and Twitter PicksCharles Max Wood:PodwrenchAimee Knight:How to Love Your Job and Avoid BurnoutSo Good They Can’t Ignore YouChris Ferdinandi:Vanilla JS toolkitThinksterArtifact ConferenceAJ O’Neal:Binary CocoaBinary Cocoa Slamorama KickstarterBinary Cocoa Straight 4RootSupport 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 Mai 20191h 14min

JSJ 364: Ember Octane with Sam Selikoff

JSJ 364: Ember Octane with Sam Selikoff

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditLinodeCacheFlyPanelAJ O’NealJoined by special guest: Sam SelikoffEpisode SummaryIn this episode of JavaScript Jabber, Sam Selikoff, Co-Founder at EmberMap, Inc. starts with giving a brief background about himself and his work followed by a discussion with AJ O’Neal about the Ember community. Sam mentions some of the biggest advantages in using Ember, and what it should and should not be used for. He explains the architecture of Ember apps, addresses some of the performance concerns and then dives into Octane in detail. He talks about a bunch of Ember components, compiler compatibility, relative weight of Ember apps compared to other frameworks, the underlying build system, and security considerations. Sam then helps listeners understand the usage of ES6 classes and decorators in Ember at length. At the end, they discuss component rendering and element modifiers and move onto picks.LinksSam’s websiteSam on TwitterSam on GitHubFollow JavaScript Jabber on Devchat.tv, Facebook and Twitter.PicksAJ O’Neal:Good Mythical Morning - YouTubeSam Selikoff:The Man In the High Castle  Tailwind CSSSpecial Guest: Sam Selikoff. 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 Mai 201952min

JSJ 363:  Practical JAMstack and Serverless with Gareth McCumskey

JSJ 363: Practical JAMstack and Serverless with Gareth McCumskey

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditLinodeCacheFlyPanelCharles Max WoodAimee KnightAJ O’NealAaron FrostJoe EamesJoined by Special Guest: Gareth McCumskeySummaryGareth McCumskey introduces JAMstack and serverless. He goes into great detail on how it works. Aimee Knight and Aaron Frost voice their concerns about going serverless. Aimee thinks it feels dirty. Aaron has concerns about the code, is it actually easier, what use cases would he use it for, and does it actually save money. Gareth addresses these concerns and the rest of the panel considers the positive and negatives of using JAMstack and serverless. Charles Max Wood asks for specific use cases; Gareth supplies many uses cases and the benefits that each of these cases.Linkshttp://herodev.com/https://thinkster.io/https://jamstack.org/https://www.mongodb.com/cloud/stitchhttps://expatexplore.com/https://serverless.com/https://www.cloud66.com/https://aws.amazon.com/dynamodb/https://twitter.com/garethmcchttps://www.facebook.com/javascriptjabberhttps://twitter.com/JSJabberPicksCharles Max Wood:Join the mailing listWatch out for new podcastsSend me defunct podcasts you love chuck@devchat.tvAimee Knight:Productivity Isn’t About Time Management. It’s About Attention Management.Quest Nutrition Protein BarsAJ O’Neal:Distant Worlds: Music from Final Fantasy by Nobuo UematsuLegend Of Zelda Concert 2018 Original Soundtrack by Never Land Orchestra  How to Diagnose and Fix Everything Electronic by Michael Jay Geier  Aaron Frost:The Go-Giver, Expanded Edition: A Little Story About a Powerful Business IdeaGareth McCumskey:https://www.finalfantasyxiv.com/Steam Play on LinuxJoe Eames:Expanding your horizonsSeven Languages in Seven Weeks: A Pragmatic Guide to Learning Programming LanguagesSeven More Languages in Seven Weeks: Languages That Are Shaping the Futurehttps://elm-lang.org/Special Guest: Gareth McCumskey. 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 Mai 20191h 10min

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