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 308: D3.js with Ben Clinkinbeard

JSJ 308: D3.js with Ben Clinkinbeard

Panel: Joe EamesCory HouseAimee Knight Special Guests: Ben ClinkinbeardIn this episode, the JavaScript Jabber panelists talk about D3.js with Ben Clinkinbeard. D3.js is a JavaScript library that has you use declarative code to tell it what you want and then it figures out all of the browser inconsistencies and creates the notes for you. He talks about the two main concepts behind D3, scales and selections, which once you understand make D3 a lot more user friendly. He then touches on SPGs and discusses his Learn D3 in 5 Days course.In particular, we dive pretty deep on:What is D3.js?Stands for Data Driven DocumentsJavaScriptHow much of the learning curve is attributed to learning D3?SPG2 main concepts behind D3: scales and selectionsIs learning about SPGs a prerequisite to leaning D3?How serious are you talking when saying idiosyncrasies?SPG tagUnderstanding positioning in SPGPositions with CSS transformsAre you required to use SPG?Not required to use SPG with D3CanvasSPG is vector basedSPG utility functionResponseivefyLearn D3 in 5 Days courseIs there and overlap with D3 and React?And much, much more!Links:D3.jsJavaScriptResponsivefyLearn D3 in 5 Days courseReact @bclinkinbeardBen’s GitHubPicks:CoryReact cheat sheet“Why software engineers disagree about everything” by Haseeb QureshiJoe Eames“JavaScript vs. TypeScript vs. ReasonML” by Dr. Axel RauschmayerAimee“How To Use Technical Debt In Your Favor”Neuroscience News TwitterBenComLinkSupport 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 Apr 201845min

JSJ 307: Apollo with Peggy Rayzis

JSJ 307: Apollo with Peggy Rayzis

Panel: Charles Max WoodAimee KnightAJ ONeal Special Guests: Peggy RayzisIn this episode, the JavaScript Jabber panelists talk about Apollo with Peggy Rayzis. Peggy is an open source engineer on the Apollo team where she primarily focuses on client stuff, working on Apollo Client, and also other libraries. Previously, she was a UI engineer at Major League Soccer where she worked primarily with React and React Native. She discusses what GraphQL is and how it is used, as well as how they use it in the Apollo team to make their lives as developers easier. They also touch on when it would work best to use GraphQL and when it is not ideal to use it.In particular, we dive pretty deep on:AiA 127 EpisodePeggy introWhat is GraphQL?What is a Typed Query Language?What is a schema?Where do schemas get defined?GraphQL SDLApollo Stack and Apollo ServerTracing and cash controlApollo EngineHow GraphQL Replaces ReduxGraphQL cuts down on front-end managementApollo Link StateThe best code is no codeApollo Client allows for greater developer productivityDoes the conversation change if you’re not using Redux or in a different ecosystem?When is the right time to use this?Data doesn’t have to be graph shaped to get the most out of GraphQLAnalyze schema with Apollo EngineIs there a way to specify depth?Max Stoiber blog postHow would people start using this?HowtoGraphQL.comAnd much, much more!Links:React Dev SummitJS Dev SummitApolloAiA 127 EpisodeApollo ClientMajor League SoccerReactReact NativeGraphQLGraphQL SDLApollo ServerApollo EngineHow GraphQL Replaces ReduxApollo Link StateReduxMax Stoiber blog postHowtoGraphQL.com@PeggyRayzisPeggy’s GitHubPeggy’s MediumPicks:CharlesGraphQL RubyWordPress GraphQLHogwarts Battles Board GamePandemic LegacyRisk LegacyAimeeHow GraphQL Replaces ReduxJavaScript Meetup in LAAJSimple.comBroccoliWallet.comThe Four by Scott GallowayPeggyWorkshop.meThanks for the Feedback by Douglas StoneSupport 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 Apr 201840min

JSJ 306: The Framework Summit with Joe Eames

JSJ 306: The Framework Summit with Joe Eames

Panel: Charles Max WoodCory HouseAimee KnightJoe EamesAJ O'NealIn this episode, the JavaScript Jabber panelists talk about the Framework Summit. It was the brainchild of Merrick Christensen. This summit includes talks on multiple different frameworks all in a two-day conference, which allows you to get exposed to new frameworks while still learning more about the framework your job requires you to use. Another goal of the conference is that it will be able to open people’s eyes up to the different frameworks available to them and show that no one framework is superior to another.In particular, we dive pretty deep on:What is the Framework Summit?The framework you use plays a huge role in your programmingFor people who want to learn about more than one frameworkAllows you to exploreThe format of the conferencePark City, Utah in October 2018Helps you answer which framework should you use?Goal is to open people’s eyes up to other frameworksDecrease internet arguments over which framework is betterFluent ConferenceGet to have conversation with other people who work in your frameworkMaking connectionsReact Rally Talk Evan CzaplickiThe context mattersBeing able to deep dive into the different frameworksUsing frameworks in conjunction with one anotherHave you seen “religionist” themes in programming frameworks?Why Good People Are Divided by Politics and Religion by Jonathan HaidtSome people will never look beyond their frameworksIf it’s working, why would you mess with it?And much, much more!Links:React Dev SummitJS Dev SummitFramework SummitAngularReactEmberJavaScriptFluent ConferenceReact Rally Talk Evan CzaplickiWhy Good People Are Divided by Politics and Religion by Jonathan Haidt@FrameworkSummitPicks:CharlesParked Out By the Lake Dustin ChristensenDevChat.tvNewspaper by ThemeforestCoryQuokkaAimeeRepublic of Tea – Apple Cider Vinegar TeaThe Way of TestivusJoeEvan Czaplicki TalkAJDinosaursCough Syrup by Young the GiantSupport 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.

27 Mar 201848min

JSJ 305: Continuous Integration, Processes, and DangerJS with Orta Therox

JSJ 305: Continuous Integration, Processes, and DangerJS with Orta Therox

Panel: Charles Max WoodAimee KnightJoe EamesAJ O'Neal Special Guests: Orta TheroxIn this episode, the JavaScript Jabber panelists talk about the tool Danger with Orta Therox. Danger allows you to create cultural rules about your pole request workflow. They discuss what Danger is, how it works, and how it can help you to catch errors and speed up code review. Danger lets you erase discussions so that you can focus on the things that you should really be focusing on, like the code. They also compare Danger to other ways of doing test converge.In particular, we dive pretty deep on:What is DangerJS?Think of it as being on the PR levelProvides an eval contextUsed on larger projectsReact, React Native, Apollo, and RxJSExperimenting with moving Danger onto a serverDanger can run as a linting stepPre-commit hooksPrettierHow do you use Danger on your own machine?Danger Ruby vs Danger JSNPM installHow is using Danger better that other ways of test coverage?What kinds of rules can you write for this system?Can use with Ruby or JavaScriptReact StorybooksRetrospectivesAnd much, much more!Links:React Dev SummitJS Dev SummitDanger JSReactReact NativeApolloRxJSPrettierDanger RubyRubyJavaScriptOrta’s GitHubArtsy BlogPicks:CharlesHogwarts Battle Board GameSushi Go Party! GameNYC tipsAimeeMax Stoiber BlogThe Ultimate Guide to Kicking Ass on Take-home Coding ChallengesJoeSaltCONStuffed Fables Board GameAJUniFi AC LiteFullmetal AlchemistOrtaThe WireWorm Web SerialSupport 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.

20 Mar 201848min

JSJ 304: React: The Big Picture

JSJ 304: React: The Big Picture

Panel: Charles Max WoodAimee KnightJoe EamesCory HouseAJ O'Neal Special Guests: NoneIn this episode, the JavaScript Jabber panelists talk about React: The Big Picture, Cory’s course on Pluralsight and what React is all about. They discuss both the pros and cons when it comes to using React and when it would be the best to use this library. They also encourage programmers to use React in a more consistent way so that people can share components.In particular, we dive pretty deep on:What is React: The Big Picture course?ReactThe frameworks work with each otherReason and ElmHow to decide when using React is the best option?React tradeoffsJavaScriptReact expects you to do a little more typing and workReact is very close to JavaScriptReact pushes you towards a single file per componentReact Round UpAre the Code Mods as wonderful as they sound?AngularCreate React AppWhat are Code Mods?Lack of opinionated approach in ReactUsing React in a more consistent wayMobX and ReduxStart off using just plain ReactWhen wouldn’t you want to use React?And much, much more!Links:React: The Big PictureCory’s PluralsightReasonElmReactJavaScriptReact Round UpCreate React AppAngularMobXReduxFramework Summit 2018Angular: The Big PictureReact Dev SummitPicks:CharlesHunting HitlerThe Greatest Showman: Sing-a-longAimee“Why being a perfectionist is an obstacle (and how to beat it)” by Gui Fradin“How to understand the large codebase of an open-source project?” blog postJoeMarital Bliss Card GameAJPplwink.comSupport 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.

13 Mar 201851min

JSJ 303: Test Coverage Tools with Ben Coe, Aaron Abramov, and Issac Schleuter

JSJ 303: Test Coverage Tools with Ben Coe, Aaron Abramov, and Issac Schleuter

Panel: Charles Max WoodAimee KnightCorey HouseAJ O'Neal Special Guests: Ben Coe, Aaron Abramov, and Issac SchleuterIn this episode, the JavaScript Jabber panelists talk with Ben Coe, Aaron Abramov, and Issac Schleuter about test coverage and testing tools. They talk about the different tools and libraries that they have contributed to the coding community, such as NYC, conf, and Jest. They also discuss what test coverage is actually about and when using test coverage tools is necessary.In particular, we dive pretty deep on:What have you contributed to the testing tools community?npmNYC tool and instanbul projectconfJestThese libraries were developed to be easy and have “batteries included”False positives with test coverageEncourage testing practices that don’t practice in a superficial wayTest coverage is about making sure you test every state a public API can get intoThink through the test you’re writing firstBarriers against testingDon’t spike the code too quicklyProvides guardrails for newer developers to contribute to open source projectsUse tests to understand the systemHow to spend your time betterWhen you need testsValue is very short termTDDAnd much, much more!Links:@BenjaminCoe@AaronAbramov_Issac’s GitHubPicks:CharlesReact RoundupViews on VueAdventures in AngularReact Dev Summit 2018AimeeGalentine’s DayDnote CLIAJThe Hero of Ages by Brandon SandersonCoreyWe are hive project guidelinesTip: You can install node as a dependency on your projectBenHack Illinois 2018C8AaronReasonIssacThe Tap 100Krypton AppFriendly Fire PodcastsSupport 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.

6 Mar 201822min

JSJ 302: Evaluating Web Frameworks with Kitson Kelly

JSJ 302: Evaluating Web Frameworks with Kitson Kelly

Panel: Charles Max WoodAimee KnightAJ O'Neal Special Guests: Kitson KellyIn this episode, the JavaScript Jabber panelists talk with Kitson Kelly about evaluating web frameworks. Kitson is currently in Australia working for ThoughtWorks as a principle technologist. He has written many articles on frameworks and urges that people don’t get stuck on one framework in their programming. He talks about how using only frameworks that you know could hurt you in the long run. This episode is great for understanding when to use certain JavaScript frameworks and how branching out from what is comfortable might make your job easier.In particular, we dive pretty deep on:Articles on web frameworksHow do you pick a JavaScript framework to use?The framework depends on your changing needsRecommending less popular frameworksAngular, Ember, ReactReact vs ReduxCertain domains with different frameworks?Each framework takes a different approachHow to decide which framework to use?Only give it a couple days to see if your app works with the frameworkIs it ever appropriate to not use a certain framework?Frameworks are there to make your job easierDon’t be afraid to try new frameworksChoose a framework that will “be there tomorrow”What is the future for frameworks?Experiment and be honest with what you needAnd much, much more!Links:LinodeThoughtWorksKendo UILootCrate@KitsonKKitson’s GitHubPicks:CharlesFacebookThe 12 Week Year by Brian P. MooreGoogle Drive for BusinessAimeeWould College Students Retain More If Professors Dialed Back The Pace?URL to PDF ConverterCSS HistoryAJTylenol Cold and Flu SevereKitsonMicrosoft AzureZypeSupport 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.

27 Feb 201853min

JSJ 301: CSS Grids: The Future of Frontend Layout with Dave Geddes

JSJ 301: CSS Grids: The Future of Frontend Layout with Dave Geddes

Panel: Charles Max WoodAimee KnightCory HouseAJ O'NealJoe EamesAaron Frost Special Guests: Dave GeddesIn this episode, the JavaScript Jabber panelists talk with Dave Geddes about CSS Grids. Dave quit his job about a year ago and has been living the entrepreneur and programmer life since then. Now, he builds mastery games to help people learn CSS. Dave discusses the differences between Flexbox and CSS Grid and how the games that he creates can help people learn CSS Grid in a fun and interactive way.In particular, we dive pretty deep on:CSS Mastery gamesFlexboxZombies.comGridCritters.comUses spaced repetition and delayed recall to learnCSS GridFlexboxCSS Grid as the cake and Flexbox as the frostingEdge specWhat Flexbox can doSub-GridsGeddski.comNesting GridsOld Grid vs New Grid layoutWhy would you move from Flexbox to CSS Grid?CSS Grid toolsGridByExample.comEducation and GamificationPick a UI that interests youFor a discount on Grid Critters: enter JS Jabber for 20% offAnd much, much more!Links:LinodeFlexboxZombies.comGridCritters.comGeddski.comGridByExample.comFreshBooks@GeddskiPicks:CharlesR Pods EarphonesAimeeNEU Cleanse“At Age 6, Girls Are Less Likely to Identify Females As ‘Really, Really Smart’”CoryCory TweetAJHow to Start a StartupMade in America by Sam WaltonJoeThe Dungeoneers by John David AndersonNG ConfAaronFire and Fury by Michael WolffDaveThey Are BillionsSupport 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.

20 Feb 20181h 3min

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