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 322: Building SharePoint Extensions with JavaScript with Vesa Juvonen LIVE at Microsoft Build

JSJ 322: Building SharePoint Extensions with JavaScript with Vesa Juvonen LIVE at Microsoft Build

Panel: Charles Max Wood Special Guests: Vesa JuvonenIn this episode, the JavaScript Jabber panel talks to Vesa Juvonen about building SharePoint extensions with JavaScript. Vesa is on the SharePoint development team and is responsible for the SharePoint Framework, which is the modern way of implementing SharePoint customizations with JavaScript. They talk about what SharePoint is, why they chose to use JavaScript with it, and how he maintains isolation. They also touch on the best way to get started with SharePoint, give some great resources to help you use it, and more!In particular, we dive pretty deep on:Vesa introWhat is SharePoint?Has existed since 2009People either know about it and use it or don’t know what it isBaggage from a customization perspectiveWhy JavaScript developers?Modernizing developmentSharePoint FrameworkMicrosoft Ignite ConferenceIs there a market for it?System integratorsAngular Element and ReactReact for SharePoint Framework back-endSupports VueReact Round Up PodcastHow do you maintain isolation?What’s the best way to get started with SharePoint extensions?Office 365 Developer ProgramSharePoint documentationSharePoint YouTubeWhat kinds of extensions are you seeing people build?And much, much more!Links:SharePointJavaScriptSharePoint FrameworkMicrosoft Ignite ConferenceAngular ElementReactVueReact Round Up PodcastOffice 365 Developer ProgramSharePoint documentationSharePoint YouTube @OfficeDev@vesajuvonenVesa’s blogVesa’s GitHub@SharePointSponsorsKendo UISentryDigital OceanPicks:CharlesZig ZiglarConversations with My Dog by Zig ZiglarPimsleur Lessons on AudibleVesaArmada by Ernest ClineSupport 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 Jul 201831min

JSJ 321: Babel and Open Source Software with Henry Zhu

JSJ 321: Babel and Open Source Software with Henry Zhu

Panel: Charles Max WoodAimee KnightAJ ONealJoe Eames Special Guests: Henry ZhuIn this episode, the JavaScript Jabber panel talks to Henry Zhu about Babel and open source software. Henry is one of the maintainers on Babel, which is a JavaScript compiler, and recently left this job to work on doing open source full time as well as working on Babel. They talk about where Babel is today, what it actually is, and his focus on his open source career. They also touch on how he got started in open source, his first PR, and more!In particular, we dive pretty deep on:Henry introBabel updateSebastian McKenzie was the original creator of BabelHas learned a lot about being a maintainerWhat is Babel?JavaScript compilerYou never know who your user isHas much changed with Babel since Sebastian left?Working on open sourceHow did you get started in pen source?The ability to learn a lot from open sourceAtrocities of globalizationMore decentralization from GitHubGitea and GitLabGitea installerOpen source is more closed nowHis first PRJSCSAuto-fixingPrettierLearning more about lintingYou don’t have to have formal training to be successfulCodefund.ioSustainability of open sourceAnd much, much more!Links:BabelJavaScriptGiteaGitLabGitea installerPrettierCodefund.io@left_padHenry’s GitHubhenryzoo.comHenry’s PatreonSponsorsKendo UISentryDigital OceanPicks:CharlesOrphan BlackCrucial Accountability by Kerry PattersonAimeeDesk with cubby holes for catsThe Key to Good Luck Is an Open Mind blog postAJGiteaGitea installerGreenlockJoeSoloJustifiedHenryCelesteZeit Day talksSupport 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 Jul 201857min

JSJ 320: Error Tracking and Troubleshooting Workflows with David Cramer LIVE at Microsoft Build

JSJ 320: Error Tracking and Troubleshooting Workflows with David Cramer LIVE at Microsoft Build

Panel: Charles Max WoodAlyssa NichollWard Bell Special Guests: David CramerIn this episode, the JavaScript Jabber panelists talk to David Cramer about error tracking and troubleshooting workflows. David is the founder and CEO of Sentry, and is a software engineer by trade. He started this project about a decade ago and it was created because he had customers telling him that things were broken and it was hard to help them fix it. They talk about what Sentry is, errors, workflow management, and more!In particular, we dive pretty deep on:David introFounder and CEO of SentryWhat is Sentry?Working with PHPDe-bugger for productionFocus on workflowGoal of SentryTriaging the problemWorkflow managementSentry started off as an open-source side projectInstrumentation for JavaScriptEmber, Angular, and npmGot their start in PythonLogsTotally open-sourceMost compatible with run-timeCan work with any languageDeep contextsDetermining the root causeAnd much, much more!Links:SentryJavaScriptEmberAngularnpmPythonSentry’s GitHub@getsentryDavid’s GitHubDavid’s Website@zeegSponsorsKendo UIFreshBooksLoot CratePicks:CharlesSocks as SwagDavidVS CodeKubernetesSupport 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 Jul 201827min

JSJ 319: Winamp2-js with Jordan Eldredge

JSJ 319: Winamp2-js with Jordan Eldredge

Panel: Charles Max WoodAJ ONealAimee KnightJoe Eames Special Guests: Jordan EldredgeIn this episode, the JavaScript Jabber panelists discuss Winamp2-js with Jordan Eldredge. Jordan is the creator of Winamp2-js and was inspired to create this media player from the old Winamp media player that he used back in the day. They talk about the importance of limitations, the value of having fun side projects, and pushing the boundaries. They also touch on skin parsing, making Webamp an electron app, and more!In particular, we dive pretty deep on:What is Winamp2-js?The history and future of WinampWACUPWinamp was the first big mp3 player that you could styleWebamp’s features and the technical challenges associated with themWhy JavaScript?Creative solutionsLimitations of browser and creating something that previously existedThe importance of limitationsHadn’t done very much JavaScript prior to this projectOriginally created with jQueryLed him into a career in JavaScriptPushing the boundariesSkin parsing“Bitrot” and making Winamp skins accessible againThe value of side projects, even stupid onesArchitecture docsWhat made you choose React and Redux?Spotiamp (Soptify’s canceled Winamp client)Making Webamp an Electron appWinamp visualizers being ported to the webThe domain name webamp.orgAnd much, much more!Links:Winamp2-jsWebampJavaScriptjQueryArchitecture docsReactReduxjordaneldredge.comJordan’s GitHub@captbaritoneSponsorsKendo UIFreshBooksLoot CratePicks:CharlesJAM XT SpeakerTrelloAJSamson GoMicGreenlock for Web ServersGreenlock for Node.jsAimeeKA Engineering PrinciplesJoe2ality.comWhat if JavaScript wins? Medium postJordanJavaScript GardenRust@winampskinsSupport 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 Jun 201848min

JSJ 318: Cloud-Hosted DevOps with Ori Zohar and Gopinath Chigakkagari LIVE at Microsoft Build

JSJ 318: Cloud-Hosted DevOps with Ori Zohar and Gopinath Chigakkagari LIVE at Microsoft Build

Panel: Charles Max Wood Special Guests: Ori Zohar and Gopinath ChigakkagariIn this episode, the JavaScript Jabber panelists discuss Cloud-Hosted DevOps with Ori Zohar and Gopinath Chigakkagari at Microsoft Build. Ori is on the product team at VSTS focusing on DevOps specifically on Azure. Gopinath is the group program manager in VSTS primarily working on continuous integration, continuous delivery, DevOps, Azure deployment, etc. They talk about the first steps people should take when getting into DevOps, define DevOps the way Microsoft views it, the advantages to automation, and more!In particular, we dive pretty deep on:Ori and Gopi introVSTS – Visual Studio Team ServicesVSTS gives developers the ability to be productiveDeveloper productivityWhat’s the first big step people should be taking if they’re getting into DevOps?The definition of DevOpsThe people and the processes as the most important pieceDevOps as the best practicesAutomating processesWhat people do when things go wrong is what really countsLetting the system take care of the problemsHave the developers work on what they are actually getting paid forTrend of embracing DevOpsShifting the production responsibility more onto the developer’sIncentivizing developersPeople don’t account for integrationContinuous integrationTrends on what customers are asking forSafetyDocker containersAnd much, much more!Links:AzureMicrosoft BuildVSTS@orizhrOri’s GitHubGopi’s GitHub@gopinachSponsorsKendo UILinodeFreshBooksPicks:Charles.NET Rocks!Shure SM58 MicrophoneZoom H6OriFitbitPacific Northwest HikingGopinathSeattle, WASupport 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 201856min

JSJ 317: Prisma with Johannes Schickling

JSJ 317: Prisma with Johannes Schickling

Panel: Charles Max WoodAJ O’Neal Special Guests: Johannes SchicklingIn this episode, the JavaScript Jabber panelists discuss Prisma with Johannes Schickling. Johannes is the CEO and co-founder of GraphCool and works with Prisma. They talk about the upcoming changes within GraphCool, what Prisma is, and GraphQL back-end operations. They also touch on the biggest miscommunication about Prisma, how Prisma works, and much more!In particular, we dive pretty deep on:JSJ Episode 257 MJS Episode 055Raised a seed roundRebranding of GraphCoolWhat are you wanting to do with the seed money you raised?Focused on growing his team currentlyMaking GraphQL easier to doThe change in the way people build softwareWhat is Prisma?Two things you need to do as you want to adopt GraphQLApollo Client and RelayGraphQL on the back-endResolversResolving data in one queryPrisma supports MySQL and PostgreSQLHow do you control access to the GraphQL endpoint that Prisma gives you?Biggest miscommunication about PrismaPrisma makes it easier for you to make your own GraphQL serverApplication schemasHow do you blend your own resolvers with Prisma?And much, much more!Links:JSJ Episode 257 MJS Episode 055GraphCoolPrismaGraphQLApollo ClientRelayMySQLPostgreSQL@schicklingJohannes’ GitHubSchickling.mePrisma SlackSponsorsKendo UILinodeFreshBooksPicks:CharlesAudibleThe 5 Love Languages of Children by Gary ChapmanFacebook Backyard Homesteader GroupsCharlesMaxWood.comSling TVRoku ExpressAJThe Legend of Zelda: Breath of the WildJohannesFigmaNetlify FunctionsGraphQL EuropeSupport 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 Jun 201849min

JSJ 316: Visual Studio Code with Rachel MacFarlane and Matt Bierner LIVE at Microsoft Build

JSJ 316: Visual Studio Code with Rachel MacFarlane and Matt Bierner LIVE at Microsoft Build

Panel: Charles Max Wood Special Guests: Rachel MacFarlane and Matt BiernerIn this episode, the JavaScript Jabber panelists discuss Visual Studio Code with Rachel MacFarlane and Matt Bierner, who are both developers on Visual Studio Code. They talk about what the workflow at Visual Studio Code looks like, what people can look forward to coming out soon,  and how people can follow along the VS Code improvements on GitHub and Twitter. They also touch on their favorite extensions, like the Docker extension and the Azure extension and their favorite VS Code features.In particular, we dive pretty deep on:Rachel and Matt introMonth to month workflow of Visual Studio CodeVS Code JavaScript, TypeScript, and Mark Down supportWorking on GitHub and within the communityCheck out new features incrementally with insidersCommunity driven workWhat is coming out in Visual Studio Code?GitHub helps to determine what they work onWorking on Grid ViewImproved settings UIHighlighting unused variables in your codeImprovements with JS DocsDartVisual Studio Extension APIHow do people follow along with the VS Code improvements?Follow along on GitHub and TwitterDownload VS Code InsidersHave a general road map of what the plan is for the yearTechnical debt weekWhat do you wish people knew about VS Code?Favorite extensionsDocker extension and Azure extensionAnd much, much more!Links:Visual Studio CodeJavaScriptTypeScriptDartVS Code GitHub@CodeVS Code InsidersDocker extensionAzure extensionRachel’s GitHubMatt’s GitHubMattBierner.com@mattbiernerSponsorsKendo UILinodeFreshBooksPicks:CharlesOrphan BlackAvengers: Infinity WarFishingRachelGitLensMattThe Bronx WarriorsSupport 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 Jun 201835min

JSJ 315: The effects of JS on CSS with Greg Whitworth

JSJ 315: The effects of JS on CSS with Greg Whitworth

Panel: AJ O’NealAimee Knight Special Guests: Greg WhitworthIn this episode, the JavaScript Jabber panelists discuss the effects of JavaScript on CSS with Greg Whitworth. Greg works on Microsoft EdgeHTML, specifically working on the Microsoft Layout team, is on the CSS working group, and is involved with the Houdini task force. They talk about JS engines and rendering engines, what the CSSOM is, why it is important to understand the rendering engine, and much more!In particular, we dive pretty deep on:Greg introWhat is the Houdini task force?Extensible web manifestoDOM (Document Object Model)Layout APIParser APIBabeljQueryBack to basicsJavaScript engine and rendering engineWhat is the CSSOM?Every browser has its separate JS engineBrowsers perspectiveAimee ShopTalk Podcast EpisodeWhy is it important to understand how the rendering engine is working?Making wise decisionsGive control back to browser if possibleWhen you would want to use JavaScript or CSSHard to make a hard or fast ruleCSS is more performantOverview of stepsAnd much, much more!Links:Parser APIBabeljQueryAimee ShopTalk Podcast EpisodeJavaScript@gregwhitworthGWhitworth.comGreg’s GitHub SponsorsKendo UILinodeFreshBooksPicks:AJMicrosoft SurfaceMicrosoft CursorAimeeGreg’s TalkWhat Your Conference Proposal Is Missing by Sarah MeiGregAimee ShopTalk Podcast EpisodeJake Archibald Tasks TalkSupport 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 Mai 201853min

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