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 362:  Accessibility with Chris DeMars

JSJ 362: Accessibility with Chris DeMars

SponsorsSentry use code “devchat” for 2 months free Triplebyte $1000 signing bonus PanelCharles Max WoodAimee KnightChris FerdinandiAJ O’NealJoe EamesJoined by Special Guest: Chris DeMarsEpisode Summary Special guest Chris DeMars is from Detroit, MI. Currently, he works for Tuft and Needle and is an international speaker, Google developer expert, Microsoft mvp, and web accessibility specialist. He comes from a varied work background, including truck driving and other non-tech jobs.    Today the panel discusses web accessibility for people with disabilities. According to a study done by WebAIM, 97.8% of homepages tested had detectable WCAG 2 failures. The panel discusses why web accessibility is doing so poorly. Chris talks about some of the biggest mistakes he sees and some very simple fixes to make sites more accessible. Chris talks about the importance of manual testing on screen readers and emphasizes that it is important to cover the screen to make sure that it really works with a screen reader. Chris talks about some of the resources available for those who wish to increase accessibility on their sites.   The team discusses tactics for prioritizing accessibility and if there is a moral obligation to make sites accessible to those with disabilities. Chris talks about his experience making accessibility a priority for one of the companies he worked for in the past. They discuss the futue of legal ramifications for sites that do not incorporate accessibility, and what responsibility falls on the shoulders of people who regularly use assistive devices to notify companies of issues. They finish the show with resources available to people who want to learn more. LinksThe DOMSemantic markup writingsAlt attributeAxe by DeQue BootstrapAria lableWebAim study Follow DevChat on Facebook and Twitter PicksCharles Max Wood:LootCrateAimee Knight:Implementing Git in Python tutorialChris Ferdinandi:"Fighting Uphill" by Eric Bailey“The Web We Broke” by Ethan Marcotte AllBirds sneakers NewsletterAJ O’Neal:Golang Channel vs Mutex vs WaitGroupNobuo UematsuThe Best Way to Tin Enameled WireJoe Eames:Gizmos board gameThinkster.io accessibility course (not released yet)Chris DeMars:Dixxon Flannel CompanyAquis.com accessibility simulator Refactr accessibility workshop in June Follow Chris Special Guest: Chris DeMars. 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 Apr 20191h 3min

JSJ 361:  Enough with the JS Already with Nicholas Zakas

JSJ 361: Enough with the JS Already with Nicholas Zakas

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 creditCacheFlyPanelAJ O’NealJoe EamesAimee KnightCharles Max WoodChris FerdinandiJoined by Special guest: Nicholas ZakasSummaryNicholas Zakas discusses the overuse of JavaScript and the underuse of HTML and CSS. The panel contemplates the talk Nicholas Zakas gave 6 years ago about this very same topic and how this is still a problem in the development community. Nicholas expounds on the negative effects overusing Javascript has on web applications and the things that using HTML and CSS do really well. The panel talks about the need for simplicity and using the right tool to build applications. Nicholas recommends the methods he uses to build greenfield applications and to improve existing applications.Linkshttps://www.youtube.com/watch?v=li4Y0E_x8zEhttps://www.slideshare.net/nzakas/enough-withthejavascriptalreadyhttps://twitter.com/slicknethttps://humanwhocodes.com/https://www.facebook.com/javascriptjabberhttps://twitter.com/JSJabberPicksChris Ferdinandi:The Umbrella Academy Official Trailerhttps://github.com/features/actionsAJ O’Neal:Jurassic ParkTerminator 2E6000 adhesiveAimee Knight:https://www.reebok.com/us/reebok-legacy-lifter/BD4730.htmlhttps://www.holloway.com/g/equity-compensationCharles Max Wood:https://podfestexpo.com/http://charlesmaxwood.com/https://www.11ty.io/https://www.netlify.com/Joe Eames:https://www.mysteryscenemag.com/blog-article/5905-tom-straw-the-author-behind-castleRichard Castle bookshttps://vanillajslist.com/Nicholas Zakas:The Power of Full Engagement: Managing Energy, Not Time, Is the Key to High Performance and Personal Renewal by Jim Loehr and Tony Schwartzhttps://opencollective.com/eslintSpecial Guest: Nicholas C. Zakas. 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 Apr 20191h 8min

JSJ 360:  Evolutionary Design with James Shore

JSJ 360: Evolutionary Design with James Shore

SponsorsTriplebyte $1000 signing bonusSentry use the code “devchat” for $100 creditCacheFlyPanelAaron FrostAJ O’NealJoe EamesAimee KnightChris FerdinandiJoined by special guest: James ShoreEpisode SummarySpecial guest James Shore returns for another episode of JavaScript Jabber. Today the panel discusses the idea of evolutionary design. Evolutionary design comes from Agile development. It is based on the principles of continuous integration and delivery and test driven development. In short, evolutionary design is designing your code as you go rather than in advance.The panelists discuss the difficulties of evolutionary design and how to keep the code manageable.  James Shore introduces the three types of design that make up evolutionary design, namely simple design, incremental design, and continuous design. They talk about the differences between evolutionary design and intelligent design and the correlations between evolutionary design increasing in popularity and the usage of Cloud services. They talk about environments that are and are not conducive to evolutionary design and the financial ramifications of utilizing evolutionary design.The panelists talk about the difficulties of planning what is needed in code and how it could benefit from evolutionary design. James enumerates the steps for implementing evolutionary design, which are upfront design, reflective design, and refactoring . The team ends by discussing the value of frameworks and how they fit with evolutionary design.LinksAgileAngularAPICRC cards (class responsibility collaborators)EmberIntelliJNPMReactRedux ScrumWaterfallXJSPicksAJ O’Neal:Spiderman: Into the Spider-VersePre-gap tracks album listQuickChip remover alloyAimee Knight:Puns.devBoulderingJames Shore:Spiderman: Into the Spider VersePandemic LegacyAaron Frost:Easter Candy, especially Nerd Jelly beansCadbury Mini EggsFun D&D momentsJoe Eames: Chronicles of Crime board gameSpecial Guest: James Shore. 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 Apr 20191h 2min

JSJ 359: Productivity with Mani Vaya

JSJ 359: Productivity with Mani Vaya

Get Mani's 2x Productivity CourseSponsorsSentry use the code “devchat” for $100 creditTriplebyteCacheFlyPanelAaron FrostAJ O’NealJoe EamesAimee KnightCharles Max WoodJoined by special guest: Mani VayaEpisode SummaryMani is the founder of a book summary business called www.2000books.com At 2000 Books, Mani studies the world’s greatest business and personal development books.Then he takes the most important ideas from each book and presents them in tight, 9- to 15-minute video summaries.You get the 4-7 most important ideas in a condensed format that's easy to absorb, easy to review, and easy to put into action immediately.To help people with productivity, Mani created an awesome course called “10x Productivity"His “10x Productivity" video course contains summaries of the 50 greatest books ever written on time management, productivity, goal setting, systems, execution, strategy and leverage."10x Productivity" pack includes summaries of all the NY Times Best Sellers on Productivity & Time Management, such as:The 7 Habits of Highly Effective People by Stephen CoveyGetting Things Done by David AllenDeep Work by Cal NewportThe Power of Habit by Charles DuhiggThe One Thing by Gary KellerEssentialism by Greg McKeownAll together, this collection includes more than 250 strategies, tips, tools & techniques for:- Becoming more productive- Getting results rather than being busy, stressed out & frustrated- Time Management- Defeating procrastination- Achieving big goals- Hacking your brain for high performance- Identifying the highest leverage points that lead to much faster results- Creating powerful habits- Installing execution systems that make goal achievement inevitable10x Productivity Package contains:Summaries of the 50 greatest books ever written on Productivity & Time Management250+ greatest ideas, tips and strategies on Time Management & Productivity10+ Hours of no-fluff solid Video ContentPDF Summaries of all 50 booksSince Mani is my friend and fellow mastermind member, I worked with him to get you guys an amazing discount (using discount code “DEVCHAT”) on the 10x Productivity Book Summary Pack which you can find here Make sure to use the Coupon code “DEVCHAT” to get the discount.LinksMani’s 2x Productivity Course use the code “devchat” for a discountPicksAJ O’Neal:M. Night Shyamalan’s The Village colophony/pine sap/rosin/flux for electronics workAimee Knight:Interested In Becoming A Site Reliability Engineer? blog postCharles Max Wood:Entreprogrammers episode 248KanbonflowPhysical Pomodoro timerMani Vaya:NPR’s How I Built This podcast2000 Books podcastSpecial Guest: Mani Vaya. 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 Apr 20191h 10min

JSJ 358: Pickle.js, Tooling, and Developer Happiness with Anatoliy Zaslavskiy

JSJ 358: Pickle.js, Tooling, and Developer Happiness with Anatoliy Zaslavskiy

SponsorsTriplebyte offers a $1000 signing bonusSentry use the code “devchat” for $100 credit CacheFlyPanelAJ O’NealCharles Max WoodJoined by Special Guest: Anatoliy ZaslavskiySummaryAnatoliy Zaslavskiy introduces pickle.js and answers the panels questions about using it. The panel discusses the automated testing culture and employee retention. The panel discusses job satisfaction and why there is so much turn over in development jobs. Charles Max Wood reveals some of the reasons that he left past development jobs and the panel considers how the impact of work environments and projects effect developers. Ways to choose the right job for you and how to better a work situation is discussed. Anatoliy finishes by advocating for junior developers and explaining the value they bring to a company. Linkshttps://github.com/storybooks/storybookhttps://www.picklejs.com/docs/getting-startedhttps://opencv.org/https://itunes.apple.com/us/app/snapcrap/id1436238261https://tolicodes.com/https://www.facebook.com/tolicodeshttps://www.facebook.com/javascriptjabberhttps://twitter.com/JSJabberPicksAJ O’NealThe Phoenix Project: A Novel about IT, DevOps, and Helping Your Business Win by Gene KimHow to Diagnose and Fix Everything Electronic, Second Edition by Michael Jay Geier   Charles Max Woodhttps://andyfrisella.com/blogs/mfceo-project-podcasthttps://www.garyvaynerchuk.com/the-askgaryvee-show-podcast/The 1-Page Marketing Plan: Get New Customers, Make More Money, And Stand out From The Crowd by Allan DibSkyward by Brandon SandersonAnatoliy ZaslavskiyAcro yogahttp://www.cuddleparty.com/ Special Guest: Anatoliy Zaslavskiy. 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 Apr 20191h 6min

JSJ 357: Event-Stream & Package Vulnerabilities with Richard Feldman and Hillel Wayne

JSJ 357: Event-Stream & Package Vulnerabilities with Richard Feldman and Hillel Wayne

SponsorsTriplebyteSentry use the code “devchat” for $100 creditClubhouseCacheFlyPanelAaron FrostAJ O’NealChris FerdinandiJoe EamesAimee KnightCharles Max WoodJoined by special guests: Hillel Wayne and Richard FeldmanEpisode SummaryIn this episode of JavaScript Jabber, Hillel Wayne kicks off the podcast by giving a short background about his work, explains the concepts of formal methods and the popular npm package - event-stream, in brief. The panelists then dive into the recent event-stream attack and discuss it at length, focusing on different package managers and their vulnerabilities, as well as the security issues associated with them. They debate on whether paying open source developers for their work, thereby leading to an increase in contribution, would eventually help in improving security or not. They finally talk about what can be done to fix certain dependencies and susceptibilities to prevent further attacks and if there are any solutions that can make things both convenient and secure for users.LinksSTAMP model in accident investigationHillel’s TwitterHillel’s websiteRichard’s TwitterStamping on Event-StreamPicksJoe Eames:Stuffed FablesAimee Knight:SRE book - GoogleLululemon leggingsDVSR - BandAaron Frost:JSConf USChris Ferdinandi:Paws New EnglandVanilla JS GuidesCharles Max Wood:Sony Noise Cancelling HeadphonesKSL ClassifiedsUpworkRichard Feldman:Elm in ActionSentinels of the MultiverseHillel Wayne:Elm in the SpringPractical TLA+Nina Chicago - KnittingTomb TraderSpecial Guests: Hillel Wayne and Richard Feldman. 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 Mar 20191h 10min

JSJ 356: Build Websites Like It's 2005 with Keith Cirkel

JSJ 356: Build Websites Like It's 2005 with Keith Cirkel

SponsorsTriplebyteSentry use the code “devchat” for $100 creditClubhouseCacheFlyPanelChris FerdinandiAimee KnightAaron FrostAJ O’NealJoined by special guest: Keith CirkelEpisode SummaryIn this episode of JavaScript Jabber, Keith Cirkel, Senior Application Engineer at GitHub, briefly explains the projects he is working with and moves on to the recent changes done by GitHub to their website, including the decision to remove jQuery, and not choosing a popular framework such as React or Vue. He talks about some problems in using Internet Explorer 11, how these GitHub changes can help with certain browser compatibility issues, and a few challenges the team had to face during the redesigning process.The panelists then discuss event delegation, performance considerations, Polyfill.io and web components. Keith gives some insight into accessibility and they talk about related user concerns.LinksKeith’s websiteKeith’s GitHubKeith’s TwitterGitHub Engineering blogFinancial Times – Polyfill serviceInclude fragment - elementPicksAaron Frost:Bag ManWhat It’s Like to Be A Woman on the InternetAimee Knight:Smooth Sailing with KubernetesJoe Eames:GitHub Free users get free unlimited private repositoriesSwigThings I don’t know as of 2018AJ O’Neal:Isopropyl alcoholBang good electronicsSoldering Iron – Hakko, X-TronicKeith Cirkel:GitHub careersHeston’s Pod & ChipsBrexitChris Ferdinandi:52 things I learned in 2018Learn Vanilla JSSpecial Guest: Keith Cirkel. 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 Mar 201956min

JSJ 355: Progressive Web Apps with Aaron Gustafson LIVE at Microsoft Ignite

JSJ 355: Progressive Web Apps with Aaron Gustafson LIVE at Microsoft Ignite

SponsorsSentry use the code “devchat” for $100 creditTriplebyteClubhouseCacheFlyPanelCharles Max WoodJoined by special guest: Aaron GustafsonEpisode Summary This episode of JavaScript Jabber comes to you live from Microsoft Ignite. Charles Max Wood talks to Aaron Gustafson who has been a Web Developer for more than 20 years and is also the Editor in Chief at “A List Apart”. Aaron gives a brief background on his work in the web community, explains to listeners how web standardization has evolved over time, where Progressive Web Apps (PWAs) come from, where and how can they be installed, differences between them and regular websites and their advantages. They then delve into more technical details about service workers, factors affecting the boot up time of JavaScript apps, best practices and features that are available with PWAs. Aaron mentions some resources people can use to learn about PWAs, talks about how every website can benefit from being a PWA, new features being introduced and the PWA vs Electron comparison. In the end, they also talk about life in general, that understanding what people have gone through and empathizing with them is important, as well as not making judgements based on people’s background, gender, race, health issues and so on.LinksCreating & Enhancing Netscape Web PagesA List ApartA Progressive Roadmap for your Progressive Web AppWindows Dev Center - Progressive Web AppsMDN web docsPWA StatsPWA Stats TwitterAaron’s websiteAaron’s Twitterhttps://www.facebook.com/javascriptjabber/https://twitter.com/JSJabberPicksAaron Gustafson:HomegoingZeitounCharles Max Wood:Armada Special Guest: Aaron Gustafson. 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 Mar 201955min

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