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)

239 JSJ Vets Who Code with Jerome Hardaway

239 JSJ Vets Who Code with Jerome Hardaway

00:55 - Introducing Jerome HardawayVets Who CodeRuby Rogues PodcastFacebookTwitterInstagram02:10 - Spouses and dependants of Vets Who Code06:55 - Accepting and rejecting applicants10:10 - The GI BillOperation CodeDreamforce15:45 - Military language and coding18:20 - PTSD, trauma, and coding21:10 - Moving past the veteran stigma25:45 - Military backgrounds as an asset for jobs30:45 - The future of Vets Who Code32:35 - How much does it cost to be part of the program?General Assembly36:15 - Is it easier or harder for Vets to get hired?39:15 - Stories and memories42:30 - Contributing to Vets Who CodeContact hello@vetswhocode.io to become a mentorDonate: https://vetswhocode.kindful.com/SwearJarHiring managers please contact Jerome@vetswhocode.ioPicks: Soft Skills Engineering Podcast (Dave) Soft Skills Engineering Twitter (Dave) Awesome Algorithms Github list (Aimee) “The Churn” blog post by Bob Martin (Aimee) The 12 Week Year by Brian P. Moran and Michael Lennington (Charles) Vets Who Code (Jerome) Practical Javascript (Jerome)Special Guest: Jerome Hardaway. 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 Nov 201652min

238 JSJ Intellectual Property and Software Forensics with Bob Zeidman

238 JSJ Intellectual Property and Software Forensics with Bob Zeidman

TOPICS:03:08 The level of difficulty in determining code creators on the Internet04:28 How to determine if code has been copied10:00 What defines a trade secret12:11 The pending Oracle v Google lawsuit25:29 Nintendo v Atari27:38 The pros and cons of a patent29:59 Terrible patents33:48 Fighting patent infringement and dealing with “patent trolls”39:00 How a company tried to steal Bob Zeidman’s software44:13 How to know if you can use open source codes49:15 Using detective work to determine who copied whom52:55 Extreme examples of unethical behavior56:03 The state of patent lawsPICKS: Cognitive Bias Cheat Sheet Blog Post Bagels by P28 Foods Let’s Encrypt Indigogo Generosity Campaign Super Cartography Bros AlbumMicroConf 2017MindMup Mind Mapping Tool Words with Friends Game Upcoming Conferences via Devchat.tv Good Intentions Book by Bob Zeidman Horror Flick Book by Bob ZeidmanSilicon Valley NapkinsSpecial Guest: Bob Zeidman. 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 Nov 20161h

237 JSJ CLls - Ember Angular and React with Tracy Lee

237 JSJ CLls - Ember Angular and React with Tracy Lee

TOPICS:3:57 The exciting facets of CLI’s8:25 Advantages of CLI projects11:25 Coding in RAILS14:18 Disagreeing with conventions encoded in a CLI19:30 How REACT CLI functions20:43 Is Ember cheating by using REACT CLI?26:52 Which CLI is easiest to use29:00 How to add commands to a CLI34:00 The future of current CLI’s35:30 How well CLI’s are working for their respective communities37:00 The impact of WebPacPICKS: “How Break Points are Set” Hacker News ArticleChocolate Mint TeaTen Things Wise Parents Know Book Strong Fathers, Strong Daughters Book Boys Should Be Boys Book “How Half of America Lost its Effing Mind” Blog Post Elementary TV ShowRecommendation Form for Topics and GuestsAmazon SmileAngular CruiseSweet Licorice Mint Tea by Choice Organic TeasVan’s Nintendo SneakersRESOURCES AND CONTACT INFO:Tracy's E-mailSpecial Guest: Tracy Lee. 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 Nov 201650min

236 JSJ Interview with Mads Kristensen from Microsoft Ignite

236 JSJ Interview with Mads Kristensen from Microsoft Ignite

TOPICS:4:00 Things that make web development more difficult7:40 The developer experience with Angular10:40 How cognitive cost affects the user experience16:52 The variety of users for whom Mads’ software is built22:14 Creating accessible javascript tools that aren’t immediately outdated28:20 Why people shouldn’t be using dependency installers34:00 Node updatesQUOTES:“The massive introduction of new tools all the time is a big part of what makes web development harder.” -Mads Kristensen“I’m not a pretty pixels person, I’m a code and algorithms person.” -AJ O’Neill“I’m not hearing hype about people using HTTP2 to get those benefits, I’m only hearing hype around tools that Static built.” -AJ O’NeillPICKS: Death Note Anime ShowJS Remote ConferenceThe Alloy of Law Book by Brandon SandersonZig Zigler Books on AudibleMr. Robot TV ShowRESOURCES & CONTACT INFO:Mads on TwitterMads’ Website Special Guest: Mads Kristensen. 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 Nov 201644min

235 JSJ JavaScript Devops and Tools with Donovan Brown and Jordan Matthiesen

235 JSJ JavaScript Devops and Tools with Donovan Brown and Jordan Matthiesen

00:50 Intro to guests Donovan Brown and Jordan Matthiesen1:14 Javascript and Devops3:49 Node JS and integrating with extensions11:16 Learning Javascript coming from another language15:21 Visual Studio Team Services at Microsoft, integration and unit testingVisualstudio.comDonovanbrown.com25:10 Visual Studio Code and mobile developmentApache Cordova open source project31:45 TypeScript and tooling33:03 Unit test tools and methods38:39 ARM devices and integrationQUOTES:“It’s not impossible, it’s just a different set of challenges.” - Donovan Brown“Devops is the union of people, process and products to enable continuous delivery of value to your end users” - Donovan Brown“Apps start to feel more native. They can actually get form.” - Jordan MatthiesenPICKS: Veridian Dynamics (AJ) Jabberwocky Video (AJ) Hard Rock Cafe - Atlanta (Charles) CES (Charles)3D printers (Donovan) High-Yield Vegetable Gardening (Jordan)taco.visualstudio.comJordan on Twitter @jmatthiesenVisualstudio.comDonovanbrown.comDonovan on Twitter @donovanbrown SPONSORS:Front End MastersHired.comSpecial Guests: Donovan Brown and Jordan Matthiesen. 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 Okt 201648min

234 JSJ JAMStack with Brian Douglas and Matt Christensen

234 JSJ JAMStack with Brian Douglas and Matt Christensen

1:00 Intro to guests Brian Douglas and Matt Christensen2:20 Definition of JAMStack8:12 JAMStack and confusion over nomenclature12:56 JAMStack and security, reliability and performance17:05 Example of traffic spike for company Sphero18:26 Meaning of hyperdynamic20:35 Future and limits of JAMStack technology26:01 Controlling data and APIs versus using third parties28:10 Netlify.com and JAMStack31:16 APIs, JavaScript framework and libraries recommended to start building on JAMStack35:13 Resources and examples of JAMStack: netlify.com, Netlify blog, JAMStack radio, JAMStack SF Meetup QUOTES:“I think in the next couple of years we’re going to see the limits being pushed a lot for what you can do with this.” - Matt“Today we’re starting to see really interesting, really large projects getting built with this approach.” - Matt“If you can farm 100% of your backend off to third parties, I feel like that really limits a lot of the interesting things you can do as a developer.” - BrianPICKS: Early History of Smalltalk (Jamison) React Rally 2016 videos (Jamison) FiveStack.computer (Jamison) Falsehoods programmers believe about time (Aimee) Nodevember conference (Aimee) 48 Days Podcast (Charles) Fall of Hades by Richard Paul Evans (Charles) Jon Benjamin Jazz (Brian) RailsConf 2016 (Brian) React Native (Brian) Book of Ye Podcast (Brian) Aurora by Kim Stanley Robinson (Matt)Sequoia Capital websiteSphero websiteIsomorphic rendering on the Jam Stack by Phil HawksworthSPONSORS:Front End MastersHired.comSpecial Guests: Brian Douglas and Matt Christensen. 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 Okt 201647min

233 JSJ Google Chrome Extensions with John Sonmez

233 JSJ Google Chrome Extensions with John Sonmez

02:50 The definition of a plug-in03:31 The definition of an extension05:09 The way to determine the plug-ins and extensions you are running08:22 How to create an extension file11:02 The appeal of creating extensions13:26 How John got into creating extensions15:48 Ways to organize extensions19:38 Aspects of chrome that will affect extensions23:23 Packaging for the Chrome store26:22 Using dev tools29:42 Conflicting plug-ins/extensions and how to deal with them31:30 Open source extensions32:32 A quick way to create an extensionQUOTES:“I teach software developers how to be cool.” –John Sonmez“There wasn’t an ability to extend the dev tools, but now there is.” –John Sonmez“One quick way to create an extension is just to take one of these sample apps…and then just start modifying it…” –John SonmezPICKS: “Django Unchained” Website “Using Angular 2 Patterns in Angular 1.x” Apps Egghead Course Girls’ Life vs. Boys’ Life on Refinery29 Webinar Jam Software  “Five Mistakes That are Keeping You From Getting Hired” Webinar Screencastify Chrome Extension How to Fail at Almost Everything and Still Win Big Book on Amazon The Complete Software Developers Career Guide Book in Progress Simple Programmer Website Simple Programmer on YoutubeSpecial Guest: John Sonmez. 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 Okt 201645min

232 JSJ GunDB and Databases with Mark Nadal

232 JSJ GunDB and Databases with Mark Nadal

03:45 What makes the Gun database engine special07:00 Defining a database12:58 The CAP Theorem22:56 What Graphs are and how they function (circular references)30:32 Gun and rotational disk systems32:08 Gun’s optimizations for performance in ensuing versions39:55 The prevalence of open source companies42:45 Further discussing the CAP Theorem and its nuances50:33 Gun’s purpose and design52:13 What a Firebase is54:22 How to get started with Gun - Visit Gun Tutorial,  Gun's Github Page, andGun Node ModuleQUOTES:“I think the database should bend to your application’s demands, rather than you having to bend to the database’s demands.” –Mark Nadal“…The protocol that GUN defines is something that can be implemented in any language. Because GUN is in the language, you don’t have the context which latency of having to make an HTTP call or socket request…” –AJ O’Neill“Let’s demystify the black magic of CAP.” –Mark NadalPICKS:Dan North’s Deliberate Learning Video8Tracks Internet RadioPokemon Indigo League on NetflixDaplie Personal CloudYoung Frankenstein Movie Mystic Vale Card GameJS Remote ConferenceReact Remote ConferenceFarm Heroes Super Saga Game AppSpecial Guest: Mark Nadal. 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.

5 Okt 20161h 4min

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