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(735)

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

JSJ 314: Visual Studio Code and the VS Code Azure Extension with Matt Hernandez and Amanda Silver LIVE at Microsoft Build

JSJ 314: Visual Studio Code and the VS Code Azure Extension with Matt Hernandez and Amanda Silver LIVE at Microsoft Build

Panel: Charles Max Wood Special Guests: Matt Hernandez and Amanda SilverIn this episode, the JavaScript Jabber/Adventures In Angular, panelists discuss Visual Studio Code and the VS Code Azure Extension with Matt Hernandez and Amanda Silver at Microsoft Build. Amanda is the director of program management at Microsoft working on Visual Studio and VS Code. Matt works on a mix between the Azure and the VS Code team, where he leads the effort to build the Azure extensions in VS code, trying to bring JavaScript developers to Azure through great experiences in VS Code. They talk about what’s new in VS Code, how the Azure extension works, what log points are, and much more!In particular, we dive pretty deep on:Amanda introMatt introWhat’s new in VS Code?VS Code coreVS Live ShareShared TerminalNow have Linux supportLive Share is now public to the world for freeWhat would you use Shared Terminal for?Are there other things coming up in VS Code?Constantly responding to requests from the communityLive Share works for any languageHow does the Azure extension work?Azure App ServiceStorage extensionAzure Cosmos DBWhat are log points?All a part of a larger plan to create a better experience for JS developersVisual debuggersIs it the same plugin to support everything on Azure?Want to target specific services that node developers will take advantage ofAnd much, much more!Links:Visual StudioVS CodeAzureLive ShareAzure Cosmos DBMicrosoft BuildAzure App ServiceAmanda’s GitHub@amandaksilverMatt’s GitHub@fiveisprimePicks:CharlesOrphan BlackShout out to VS Code teamBattle of the BooksMattThe Customer-Driven Playbook by Travis LowdermilkThe Speed of Trust by Stephen M.R. CoveyYes, And by Kelly LeonardDigital Marketing For Dummies by Ryan DeissEd Gets His Power Back KickstarterAmandaMicrosoft Quantum Development Kit for Visual Studio CodeIggy Peck, ArchitectTek by Patrick McDonnellSupport 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.

22 Mai 201850min

JSJ 313: Light Functional JavaScript with Kyle Simpson

JSJ 313: Light Functional JavaScript with Kyle Simpson

Panel: AJ ONealAimee KnightJoe Eames Special Guests: Kyle SimpsonIn this episode, the JavaScript Jabber panelists discuss light functional JavaScript with Kyle Simpson. Kyle is most well-known for writing the books You Don’t Know JS and is on the show today for his book Functional-Light JavaScript. They talk about what functional programming is, what side-effects are, and discuss the true heart behind functional programming. They also touch on the main focus of functional programming and much more!In particular, we dive pretty deep on:You Don’t Know JSFunctional-Light JavaScriptFrom the same spirit as first booksJavaScript Documents journey of learningWhat does Functional Programming mean?Functional programming is being re-awokenMany different definitionsHistory of functional programmingProgramming with functionsWhat is a function?“A collection of operations of doing some task” is what people think functions areWhat a function really isMap inputs to outputsWhat is a side-effect?Side-effects should be intentional and explicitThe heart of functional programmingRefactoringCan’t write a functional program from scratchWhat functional programming focuses onMaking more readable and reliable codePulling a time-stampDefining a side-effectAnd much, much more!Links:You Don’t Know JSFunctional-Light JavaScriptJavaScriptKyle’s GitHub@getifyPicks:AimeeWhat Does Code Readability Mean?@FunctionalKnoxHTTP 203 Podcast AJIKEAJoeBarking Up the Wrong Tree by Eric BarkerWorkshops in generalKyleGDPRThe start-up’s guide to the GDPRHatchFluent ConfSupport 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.

15 Mai 201811min

JSJ 312: Hygen with Dotan Nahum

JSJ 312: Hygen with Dotan Nahum

Panel: Charles Max WoodAimee KnightAJ ONeal Special Guests: Dotan NahumIn this episode, the JavaScript Jabber panelists discuss Hygen with Dotan Nahum. Dotan has worked within open source community, where he created Hygen. They talk about what Hygen is, how it came to be, and code generators in general. He was inspired by the Rails generator to create his own generator and took his inspiration from 12 years prior to creating Hygen. They also touch on how to share generators in separate packages and much more!In particular, we dive pretty deep on:Dotan introWhat is Hygen?Code generatorsRails in 2006Ruby on Rails 15-minute blog videoPHP and PythonCarried Rails wow moment with him into creating HygenWanted Rails generators everywhereCan you also modify files?Took the good things from Rails generatorThe fact that front-end apps have architecture is newReduxThe solution of generating codeA component is a ray of files and assetsJavaScript gives you great freedomA standardized way of doing componentsGraphQLEverything lives in the “day job” projectHow the Hygen template is formattedCan have a shell actionIs there a way to share generators in a separate package?GoAnd much, much more!Links:HygenRailsRuby on Rails 15-minute blog videoPythonReduxJavaScriptGraphQLGo@jondotDotan’s GitHubDotan’s MediumPicks:CharlesFluent ConfHot JarDevChat.tvEthereumAimeeDeep-copying in JavaScriptAJLet’s EncryptNintendo SwitchBreath of the WildDotanasdfBrew CaskSupport 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 Mai 201848min

JSJ 311: Securing Express Apps with Helmet.js with Evan Hahn

JSJ 311: Securing Express Apps with Helmet.js with Evan Hahn

Panel: Charles Max Wood Special Guests: Evan HahnIn this episode, the JavaScript Jabber panelists discuss securing Express apps with Helmet.js with Evan Hahn. Evan is a developer at Airtable, which is a company that builds spreadsheet applications that are powerful enough that you can make applications with. He has also worked at Braintree, which does payment processing for companies. They talk about what Helmet.js is, when you would want to use it, and why it can help secure your Express apps. They also touch on when you wouldn’t want to use Helmet and the biggest thing that it saves you from in your code.In particular, we dive pretty deep on:Evan introJavaScript What is Helmet.js?Node and ExpressWhy would you use the approach of Middleware?Helmet is not the only solutionHttp headersCurrent maintainer of Helmet.jsnpmHas added a lot to the project, but is not the original creatorOutbound HTTP response headersHelmet doesn’t fully secure your app but it does help secure itHow does using Helmet work?Are there instances when you wouldn’t want to use Helmet?No cash middlewareWhere do you set the configuration options?Top level Helmet module12 modulesWhat is the biggest thing that Helmet saves you from?Content security policy codeAnd much, much more!Links:AirtableBraintreeJavaScriptHelmet.jsNodeExpressnpmEvan’s Website@EvanHahnEvan’s GitHubPicks:CharlesCameraZoom H6Shure SM58DevChat.tv YoutubeReact Round UpEvanClojureFortuneKantaro: The Sweet Tooth SalarymanSupport 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.

1 Mai 201840min

JSJ 310: Thwarting Insider Threats with Greg Kushto

JSJ 310: Thwarting Insider Threats with Greg Kushto

Panel: Charles Max WoodCory HouseAJ O’NealAimee Knight Special Guests: Greg KushtoIn this episode, the JavaScript Jabber panelists discuss thwarting insider threats with Greg Kushto. Greg is the vice president of sales engineering for Force 3 and has been focused on computer security for the last 25 years. They discuss what insider threats are, what the term includes, and give examples of what insider threats look like. They also touch on some overarching principles that companies can use to help prevent insider threats from occurring.In particular, we dive pretty deep on:Greg introInsider threats are a passion of hisMost computer attacks come from the inside of the companyInsider threats have changed over timeWhat does the term “insider threats” include?Using data in an irresponsible mannerWho’s fault is it?Blame the company or blame the employee?Need to understand that insider threats don’t always happen on purposeHow to prevent insider threatsVery broad termAre there some general principles to implement?Figure out what exactly you are doing and documenting itDocumentations doesn’t have to be a punishmentKnow what data you have and what you need to do to protect itHow easy it is to get hackedPractical things to keep people from clicking on curious linksThe need to change the gameFighting insider threats isn’t fun, but it is necessaryAnd much, much more!Links:Force 3Greg’s LinkedIn@Greg_KushtoGreg’s BLogPicks:CharlesHaveIBeenPwned.comPlural SightElixir podcast coming soonNG confMicroConfRubyHackMicrosoft BuildCoryPlopVS code sync pluginAimeeAwesome Proposals GitHubAJ O’NealFluffy PancakesThe Mind and the Brain by Jeffrey M. SchwartzGregStormCastSupport 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.

24 Apr 201846min

JSJ 309: WebAssembly and JavaScript with Ben Titzer

JSJ 309: WebAssembly and JavaScript with Ben Titzer

Panel: Charles Max WoodCory HouseAimee Knight Special Guests: Ben TitzerIn this episode, the JavaScript Jabber panelists discuss WebAssembly and JavaScript with Ben Titzer. Ben is a JavaScript VM engineer and is on the V8 team at Google. He was one of the co-inventors of WebAssembly and he now works on VM engineering as well as other things for WebAssembly. They talk about how WebAssembly came to be and when it would be of most benefit to you in your own code.In particular, we dive pretty deep on:Ben introJavaScriptCo-inventor of WebAssembly (Wasm)Joined V8 in 2014asm.jsBuilt a JIT compiler to make asm.js fasterTurboFanWhat is the role of JavaScript? What is the role of WebAssembly?SIMD.jsJavaScript is not a statically typed languageAdding SIMD to Wasm was easierEasy to add things to WasmWill JavaScript benefit?Using JavaScript with Wasm pros and consPros to compiling with WasmStatically typed languagesThe more statically typed you are, the more you will benefit from WasmTypeScriptIs WebAssembly headed towards being used in daily application?Rust is investing heavily in WasmWebAssembly in gamingAnd much, much more!Links:JavaScriptV8WebAssemblyasm.jsTurboFanTypeScriptRustWebAssembly GitHubBen’s GitHubPicks:CharlesReady Player One MovieDevChat.tv YouTubeAlexa Flash Briefings: Add skill for “JavaScript Rants”Corynpm Semantic Version CalculatorKent Beck TweetAimeeMDN 418 Status codeQuantity Always Trumps Quality blog postBenAmerican PoliticsSupport 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 Apr 201852min

JSJ 309: WebAssembly and JavaScript with Ben Titzer

JSJ 309: WebAssembly and JavaScript with Ben Titzer

Panel: Charles Max WoodCory HouseAimee Knight Special Guests: Ben TitzerIn this episode, the JavaScript Jabber panelists discuss WebAssembly and JavaScript with Ben Titzer. Ben is a JavaScript VM engineer and is on the V8 team at Google. He was one of the co-inventors of WebAssembly and he now works on VM engineering as well as other things for WebAssembly. They talk about how WebAssembly came to be and when it would be of most benefit to you in your own code.In particular, we dive pretty deep on:Ben introJavaScriptCo-inventor of WebAssembly (Wasm)Joined V8 in 2014asm.jsBuilt a JIT compiler to make asm.js fasterTurboFanWhat is the role of JavaScript? What is the role of WebAssembly?SIMD.jsJavaScript is not a statically typed languageAdding SIMD to Wasm was easierEasy to add things to WasmWill JavaScript benefit?Using JavaScript with Wasm pros and consPros to compiling with WasmStatically typed languagesThe more statically typed you are, the more you will benefit from WasmTypeScriptIs WebAssembly headed towards being used in daily application?Rust is investing heavily in WasmWebAssembly in gamingAnd much, much more!Links:JavaScriptV8WebAssemblyasm.jsTurboFanTypeScriptRustWebAssembly GitHubBen’s GitHubPicks:CharlesReady Player One MovieDevChat.tv YouTubeAlexa Flash Briefings: Add skill for “JavaScript Rants”Corynpm Semantic Version CalculatorKent Beck TweetAimeeMDN 418 Status codeQuantity Always Trumps Quality blog postBenAmerican PoliticsSupport 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 Apr 201852min

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