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.

Support this podcast at — https://redcircle.com/javascript-jabber/donations

Privacy & Opt-Out:

Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

Episoder(735)

207 JSJ Growing Happy Developers with Marcus Blankenship

207 JSJ Growing Happy Developers with Marcus Blankenship

02:51 - Marcus Blankenship IntroductionTwitter Blog03:09 - Panelist Worst Boss Experiences13:06 - Developer Anarchy vs Having a HierarchySE-Radio Episode 253: Fred George on Developer AnarchyThe Valve Playbook20:57 - Transitioning ManagersImpostor Syndrome26:05 - Manager Influence28:33 - Management vs LeadershipLeader-Member Exchange Theory 34:37 - Interpersonal Relationships and Happiness38:24 - What kind of feedback do managers want from their employees?Timesheets46:17 - Am I manager material? Am I ready to go into management?48:06 - Following a Technical Track51:55 - Why would anyone ever want to be a department manager?Picks A Plain English Guide to JavaScript Prototypes (Aimee) Oatmega (Aimee) Luck by Tom Vek (Jamison) The 27 Challenges Managers Face: Step-by-Step Solutions to (Nearly) All of Your Management Problems by Bruce Tulgan (Marcus) React Rally Call for Proposals (Jamison) React Rally (Jamison) Multipliers: How the Best Leaders Make Everyone Smarter by Liz Wiseman (Dave) Soft Skills Engineering Podcast (Dave)Special Guest: Marcus Blankenship. 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.

13 Apr 20161h 2min

206 JSJ PostCSS with Ben Briggs

206 JSJ PostCSS with Ben Briggs

02:30 - Ben BriggsTwitter GitHub Blogcssnano 03:03 - PostCSScssnext Postcss.parts07:16 - What problems was PostCSS designed to solve for developers?reworkautoprefixer09:46 - Using PostCSS vs Sasslost14:02 - Using Future Features16:28 - Tool Fatiguepostcss.org23:39 - When should people start thinking about using PostCSS?stylelintrtlcsspostcss-colorblind31:24 - Postprocessingmidas33:43 - Shipping Apps with Emojis?36:21 - Where does PostCSS end and where does css-modules begin?Picks Chet Corcos: Functional Programming for JavaScript People (Aimee) Operation Code Scholarship (Aimee) Web Platform Daily Digest (Ben) Cadbury Caramel Eggs (Joe) Hello World Podcast (Joe) React Rally (Dave)Special Guest: Ben Briggs. 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.

6 Apr 201645min

205 JSJ Shasta with Eric Schoffstall

205 JSJ Shasta with Eric Schoffstall

02:28 - Eric Schoffstall IntroductionTwitter GitHub BlogInstagram02:59 - shastaDan Abramovtahoe 07:20 - Getting Startedgithub.com/shastajs/boilerplate 08:20 - Solidifying on Best Practices10:37 - Made to Work Together vs Made to be Neatly Modular11:19 - shasta and redux 12:01 - shasta IdealsOpinionsImmutable.js15:07 - Making Choices17:35 - redux-thunk, redux-saga 19:01 - Lessons Learned from gulp.jsOpen Source Marketing23:55 - redux-router 25:20 - React-Specific vs AgnosticLazer Team27:35 - Experimentation with shasta29:50 - Relay and GraphQL Conflict31:31 - Swapability35:30 - The Future of front-end development in JavaScript; Where shasta fits inmercury Victor Savkin: Managing State in Angular 2 ApplicationsPicks Victor Savkin: Managing State in Angular 2 Applications (Joe) Lazer Team (Joe) Big Black Delta (Jamison) Learning to Use Google Analytics More Effectively at CodePen (Jamison) Thing Explainer: Complicated Stuff in Simple Words by Randall Munroe (Dave) Soft Skills Engineering Podcast (Dave) RevolutionConf 2016 (Aimee) [Frontend Masters] Functional-Lite JavaScript (Aimee) Lush Cosmetics (Aimee) horizon (Eric) Shannon and the Clams - Rip Van Winkle (Eric) shasta (Eric)Special Guest: Eric Schoffstall. 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 Mar 201648min

204 JSJ Free Code Camp with Quincy Larson

204 JSJ Free Code Camp with Quincy Larson

03:10 - Quincy Larson IntroductionTwitter GitHub03:20 - Free Code Camp@FreeCodeCamp  04:47 - Quincy’s Background06:43 - Curriculum and Non-Profit Projects09:47 - Keeping the Curriculum Updated10:30 - Enrollment; Starting & Finishing12:20 - Resources for LearningGitter15:39 - Funding16:06 - Working Through a Self-Paced System vs Structure17:17 - Nonprofits19:51 - Learning to Work on Non-Greenfield Code21:47 - Getting Hired After the Program23:21 - Marketing and MediaMedium: Free Code Camp Camper NewsTwitch.tv: freecodecamp 26:07 - Sustaining Living While Running This Program27:31 - The Future of Free Code CampFree Code Camp Wiki28:34 - Long-term Sustainability29:44 - Hypothetical Monetization and Contribution33:51 - Coding as a form of art or function?36:55 - PartnershipsProject Management Institute37:53 - Making Free Code Camp More Effective39:18 - Criticism? 40:29 - Curriculum Development and Evolution43:02 - Is Free Code Camp for everybody?Read, Search, Ask46:09 - The Community51:07 - Getting Involved in Free Code CampFree Code Camp Volunteer QuizPicks Our Greatest Fear — Marianne Williamson (AJ) The Rabbit Joint - The Legend of Zelda (AJ) Nintendo (Twilight Princess HD Soundtrack) (AJ) Steve Wozniak: The early days @ TEDxBerkeley (AJ) Favor of the Pharaoh (Joe) The Goldbergs (Joe) The Best Podcast Rap (Chuck) Word Swag (Chuck) Cecily Carver: Things I Wish Someone Had Told Me When I Was Learning How to Code (Quincy) Code for the Kingdom (Aimee) diff-so-fancy (Aimee)Special Guest: Quincy Larson. 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 Mar 20161h

203 JSJ Aurelia with Rob Eisenberg

203 JSJ Aurelia with Rob Eisenberg

Check out React Remote Conf!  02:31 - Rob Eisenberg IntroductionTwitter GitHub Blog02:55 - AureliaBlog03:43 - Selling People on Aurelia vs Other Frameworks11:09 - Using Aurelia Without Directly Engaging with the APIWeb Components 15:10 - Production Usage18:46 - Specific Uses23:03 - Durandal 25:26 - Aurelia and Angular 230:32 - Convention Over Configuration34:56 - Web ComponentsContent Projection (Transclusion)Polymer41:13 - One-directional Data Flow; Data BindingUsing a Binding System as Messaging System46:55 - Routing49:47 - Animation52:56 - Code Size55:06 - Version Support56:27 - Performance Tools01:00:20 - Aurelia in ES501:01:29 - Data ManagementBreeze.jsPicksCrispy Bacon (Joe) A Gentleman’s Guide to Love and Murder (Joe) Jamison Dance: Rethinking All Practices: Building Applications in Elm @ React.js Conf 2016 (Joe) Vessel | Lorn (Jamison) The Moon Rang Like a Bell | Hundred Waters (Jamison) The Top 10 Episodes of JavaScript Jabber (Chuck) Amazon Prime (Chuck) WiiU (Chuck) Sketch (Rob) Zeplin (Rob) servo (Rob)Special Guest: Rob Eisenberg. 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 Mar 20161h 11min

202 JSJ DoneJS + CanJS with Justin Meyer

202 JSJ DoneJS + CanJS with Justin Meyer

Check out and get your tickets for React Remote Conf! May 11th-13th, 2016. 02:30 - Justin Meyer IntroductionTwitter GitHubBitoviJavaScriptMVC03:02 - DoneJS and CanJS@DoneJS  @CanJS05:44 - Versus Meteor 07:41 - Versus ReactSet Algebra12:06 - Getting Started with DoneJSdonejs.com/place-my-order.html 18:04 - Can <=> DoneMVVM (Model–View–Viewmodel)ObservablesPaginationPreventing Loop Issues25:39 - MVC => MVVM28:24 - Flux vs MVVM32:20 - Use Cases39:19 - App SizeStealJSPicks Beautiful Eyes Album by Taylor Swift (AJ) When Amazon Dies (AJ) PROTODOME (AJ) City Libraries (AJ) The Crucible of Doubt: Reflections On the Quest for Faith (AJ) Learn X in Y Minutes (Aimee) Which cat is your JavaScript framework? (Aimee) @johnpapa Tweet (Joe) SumoMe (Chuck) Drip (Chuck) 7 Wonders (Chuck) Shadow Hunters (Chuck) Calamity (The Reckoners) by Brandon Sanderson (Chuck) Staked (The Iron Druid Chronicles) by Kevin Hearne (Chuck) BB-8™ by Sphero (Justin) Hyperion Cantos Series (Justin) UtahJS (Justin)Special Guest: Justin Meyer. 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 Mar 201655min

201 JSJ Security with Troy Hunt

201 JSJ Security with Troy Hunt

02:32 - Troy Hunt IntroductionTwitter GitHub BlogTroy Hunt's Pluralsight Courses04:12 - Why should people care about security?06:19 - When People/Businesses Get Hacked09:47 - “Hacking”Social EngineeringBeEF11:42 - Inventive “Hacks”SQL InjectionsqlmapStuxnet 13:24 - Motivation for Hacking/Can hacking be valuable?17:08 - Consequences and Retribution19:10 - How to Build Secure Applications20:47 - Weighing in UX22:50 - Common MisconceptionsPassword StoragehashcatEncodingCookies31:27 - Passwords (Cont’d)33:16 - Justifying the Importance of Security35:24 - Client-side SecurityCross-side ScriptingDOM Based Cross-side ScriptingContent Security Policy (CSP)44:10 - ResourcesAngularJS Security FundamentalsHack Yourself First 45:27 - Routing47:21 - Timeouts51:36 - Cached DataPicks awesome-react (Aimee) Edsger W. Dijkstra Quotes (Jamison) Sam Newman: Telstra, Human Error and Blame Culture (Jamison) Infinite Jest by David Foster Wallace (Jamison) T.I.M.E Stories (Joe) We Are Anonymous: Inside the Hacker World of LulzSec, Anonymous, and the Global Cyber Insurgency Paperback by Parmy Olson (Troy) The Have I been pwned Project (Troy)Special Guest: Troy Hunt. 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 Mar 20161h 7min

200 JSJ EPISODE 200!!!

200 JSJ EPISODE 200!!!

02:52 - What’s up Merrick Christensen?Twitter GitHubBlog03:43 - Favorite EpisodesEpisode #124: The Origin of Javascript with Brendan EichEpisode #037: Specialized vs Monolithic with James Halliday and Tom Dale  Episode #071: JavaScript Strategies at Microsoft with Scott HanselmanEpisode #044: Book Club: Effective JavaScript with David HermanEpisode #161: Rust with David HermanEpisode #008: V8 and Dart with Lars Bak and Kasper LundEpisode #175: Elm with Evan Czaplicki and Richard FeldmanRuby Rogues Episode #212: Elm with Richard Feldman and Evan CzaplickiAdventures in Angular Episode #80: Aurelia with Rob Eisenberg08:58 - How have ideas about JavaScript changed since being a panelist on the show?jQuery adding 2 numbers from input fields15:01 - Off the Air Experiences        20:23 - Work/Job ChangesKuali23:54 - JS Jabber = Newbie-Friendly24:58 - Work/Job Changes (Cont’d)DaplieAll Remote Conferences35:25 - Organizing Conferences and Name Recognition Dave Smith: How React literally waters my lawn from React Rally40:55 - Spinoff ShowsAdventures in AngularWeb Security WarriorsReact Native RadioJavaScript AirAngular Air45:08 - Podcast Administration and Organization; Episode Release TimelineMandyUpworkPicks JavaScript Jabber (Joe) The Harry Potter Audiobooks (Joe) Calamity by Brandon Sanderson (Joe) AngularConnect (Joe) Dennis Overbye: Gravitational Waves Detected, Confirming Einstein’s Theory (AJ) The God Who Weeps: How Mormonism Makes Sense of Life by Terryl Givens (AJ) Julia Evans: Have high expectations for your computers (Jamison) January 28th GitHub Incident Report (Aimee) Denzel Brade: Front End Dev — Running before you can walk (Aimee) Captivating Revised and Updated: Unveiling the Mystery of a Woman's Soul by John Eldredge and Stasi Eldredge (Aimee) drone (Merrick) Haskell Book (Merrick) Amazon Prime (Chuck) nexxt Maine Wall Shelf/Floating Ledge (Chuck) Read the presidential candidate’s books (Chuck) Special Guest: Merrick 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.

24 Feb 201633min

Populært innen Business og økonomi

stopp-verden
dine-penger-pengeradet
lydartikler-fra-aftenposten
rss-penger-polser-og-politikk
e24-podden
rss-borsmorgen-okonominyhetene
pengepodden-2
finansredaksjonen
utbytte
tid-er-penger-en-podcast-med-peter-warren
morgenkaffen-med-finansavisen
pengesnakk
okonomiamatorene
rss-investering-gjort-enkelt
lederpodden
rss-markedspuls-2
rss-fa-makro
livet-pa-veien-med-jan-erik-larssen
lederskap-nhhs-podkast-om-ledelse
rss-andelige-tanker-med-camillo