JSJ 273: Live to Code, Don't Code to Live with 2 Frugal Dudes Sean Merron and Kevin Griffin
JavaScript Jabber8 Aug 2017

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)

158 JSJ Roots with Jeff Escalante

158 JSJ Roots with Jeff Escalante

02:30 - Jeff Escalante IntroductionTwitter GitHubCarrot Creative03:15 - Roots[GitHub] roots05:20 - Static Sites vs Dynamic SitesResource: Static vs Dynamic WebsitesScaleSEO (Search Engine Optimization)13:47 - Plugins 15:48 - Multipass Compile FunctionalityJSX20:27 - Roots vs Other Static Site GeneratorsTechnical Debt22:31 - Netlify 26:22 - HTTPSMathias Biilmann: Five Reasons you want HTTPS for your Static siteLet's EncryptExtended Validation Certificate (EV Certificate)Picks ECMAScript 6 — New Features: Overview & Comparison (Aimee) Jacob Kaplan-Moss: Keynote at Pycon 2015 (Aimee) Dr. Who (AJ) Power Rangers (AJ) Marvel Digital Comics Unlimited (Joe) GoFundMe (Joe) Netlify (Jeff) accord (Jeff) Contentful (Jeff) Special Guest: Jeff Escalante. 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 Mai 201539min

157 Moving Your Rendering Engine to React with Amit Kaufman and Avi Marcus

157 Moving Your Rendering Engine to React with Amit Kaufman and Avi Marcus

02:43 - Amit Kaufman IntroductionGitHubWix03:07 - Avi Marcus IntroductionGitHubWix04:35 - Why Move Your Rendering Engine to React?[GitHub] react 07:25 - Using JavaScriptObject-Oriented Programming09:57 - Business Process and Progression (Getting Managerial Approval)Client-Side vs. Server-Side Rendering12:46 - Manipulation15:11 - Layout and PerformanceMeasuring and Patching20:21 - Building Client-Side Applications in GeneralAbstractionMake Code Predictable and ClearHave a Goal26:00 - Events 29:30 - StorageLazy Components31:31 - Immutability 34:36 - Flux and Keeping Code MaintainablePackages38:19 - Two-way Data BindingPicks Notes on the book "Art & Fear" by David Bayles & Ted Orland (Jamison) Papers (Jamison) Dynamo: Amazon’s Highly Available Key-value Store (Jamison) LDS Conference Talks (AJ) Stephen Young: Why your code is so hard to understand (Aimee) Kombucha (Aimee) Pascal Precht: Integrating Web Components with AngularJS (Pascal) Template Syntax Constraints and Reasoning (Design Doc) (Pascal) RUNNING WITH RIFLES (Joe) [Pluralsight Webinar] AngularJS 2.0: What you need to know with Joe (Joe) Whiplash (Amit) Dan Ariely: What makes us feel good about our work? (Amit) React Templates (Amit) Esprima (Avi) Big Hero 6 (Avi) Check out and sign up to get new on React Rally: A community React conference on August 24th and 25th in Salt Lake City, Utah!Special Guests: Amit Kaufman and Avi Marcus. 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.

29 Apr 201552min

156 JSJ Soft Skills and Marketing Yourself as a Software Developer with John Sonmez

156 JSJ Soft Skills and Marketing Yourself as a Software Developer with John Sonmez

Check out ReactRally: A community React conference in Salt Lake City, UT from August 24th-25th!03:36 - John Sonmez IntroductionTwitter GitHub Simple ProgrammerThe Entreprogrammers PodcastSoft Skills: The Software Developer's Life Manual by John SonmezHow to Market Yourself as a Software Developer Course04:29 - Mastermind GroupsThink and Grow Rich: The Landmark Bestseller - Now Revised and Updated for the 21st Century by Napoleon Hill05:53 - “Soft Skills”Why Care About Soft Skills?People Skills FinancesFitness11:53 - Learned vs InnateLifting Limited BeliefsPractice14:14 - Promotion (Managerial) Paths The Peter Principle17:52 - “Marketing” Value: Give Away 90% / Charge For 10%Seeming “Spammy” (Resistance to Sell)Neil Patel's BlogDocumentation for YourselfAJ O'Neal: How to Tweet from NodeJS 29:53 - Get Up and CODE!#086: Figure Skating and Software Development with Aimee Knight#067: Weight Loss Plan for Charles (Max Wood)33:47 - Burnout Do the Work by Steven PressfieldThe War of Art: Break Through the Blocks and Win Your Inner Creative Battles by Steven PressfieldSystems and Habits (Routines)Methods of ExecutionGet John’s How to Market Yourself as a Software Developer Course for $100 off using the code JSJABBER Comment on this episode for your chance to win one of two autographed copies of Soft Skills: The Software Developer's Life Manual by John Sonmez Picks The Recurse Center (Jamison) Code Words Blog (Jamison) DayZ Player Sings (And Plays Guitar) For His Life (Jamison) Demon (Jamison) Mastodon: Leviathan (Jamison) Jan Van Haasteren Puzzles (Joe) Hobbit Tales from the Green Dragon Inn (Joe) AngularJS-Resources (Aimee) Superfeet Insoles (Aimee) Good Mythical Morning (AJ) The Magic of Thinking Big by David J. Schwartz (Chuck) Streak (John) The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It by Michael E. Gerber (John) Influence: The Psychology of Persuasion, Revised Edition by Robert B. Cialdini (John) Do the Work by Steven Pressfield (John) The War of Art: Break Through the Blocks and Win Your Inner Creative Battles by Steven Pressfield (John) Special 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.

22 Apr 20151h

155 JSJ Webtorrent with Feross Aboukhadijeh

155 JSJ Webtorrent with Feross Aboukhadijeh

Support our Teespring campaign! Get your JavaScript Jabber unisex t-shirts, hoodies, ladies’-sized, and long-sleeve tees!02:01 - Feross Aboukhadijeh IntroductionTwitter GitHub Blog02:39 - Peer-to-Peer Background, Content Delivery Networks (CDNs)WebRTCPeerCDNBitTorrent09:43 - The BitTorrent Protocol and Hypertext Transfer Protocol (HTTP)[YouTube] Feross Aboukhadijeh: WebTorrent (JSConf.Asia 2014) Distributed Hash Table (DHT)13:08 - WebTorrent = BitTorrent over WebRTCTransmission Control Protocol (TCP)The User Datagram Protocol (UDP)Session Traversal Utilities for NAT (STUN)17:22 - Where Do Original Files Come From?Tracker ServersBitTorrent Enhancement Proposal (BEP)21:23 - Opposition27:26 - Where is WebTorrent Going? (Use Cases)Instant.io[GitHub] instant.io29:52 - Live Broadcasts31:12 - Progression of BitTorrent Over TimeTechnical Decentralization35:03 - Same-Origin Policy 36:33 - Firefox Hello PicksJanuary 12th, 2016: Goodbye IE8 and IE9! (Dave) js-must-watch (Aimee) Headspace (Aimee) Popcorn Time (AJ) Steelheart (The Reckoners) by Brandon Sanderson (Chuck) Teespring (Chuck) Loop Drop by Matt McKegg (Feross) SceneVR by Ben Nolan (Feross) WebTorrent (Feross) node-nat-upnp (AJ) node-nat-pmp (AJ) simple-peer (Feross)Special Guest: Feross Aboukhadijeh. 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 Apr 201547min

154 JSJ Raygun.io Error Reporting and Workflow with John-Daniel Trask

154 JSJ Raygun.io Error Reporting and Workflow with John-Daniel Trask

02:35 - John-Daniel Trask Introduction and BackgroundTwitter GitHub BlogMindscape@MindscapeHQ04:57 - Raygun.io@raygunio06:23 - Crash Reporting The Right WayError GroupingSuppress Notifications10:06 - Most Common Errors12:05 - Source Maps 19:16 - Managing Error Reporting in Gross Environments22:17 - Determining Where The Issue Is24:45 - Do People Write Their Own Errors?26:23 - Frameworks Support28:28 - Collecting Data: Privacy and Security30:01 - Does working in error reporting make you judgemental of others’ code?“DDOSing Yourself”32:42 - Planning for Rare Exceptions33:36 - Tactics to Cut Down on Messages35:53 - Gathering Basic Debugging Information37:58 - Getting the BEST InformationPromisesStockholm Syndrome42:24 - The Backend: Node.jsThe raygun4node provider43:24 - “Creating an Application”Picks LDS Connect (AJ) LDS I/O (AJ) TED Talk About Nothing (Dave) OlliOlli 2 Soundtrack (Jamison) Jurassic Park (Joe)  ng-vegas (Joe) WASD CODE 87-Key Illuminated Mechanical Keyboard with White LED Backlighting - Cherry MX Clear (Chuck) Grifiti Fat Wrist Pad (Chuck) Thank You Rails Clips Kickstarter Backers! (Chuck) Mastery by Robert Greene (Chuck) Ready Player One by Ernest Cline (Chuck) The Pirates of Silicon Valley (John-Daniel) littleBits (John-Daniel)Special Guest: John-Daniel Trask. 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.

8 Apr 201558min

153 JSJ Careers for Junior Developers with Aimee Knight

153 JSJ Careers for Junior Developers with Aimee Knight

02:26 - Aimee Knight IntroductionTwitter GitHub BlogMessage Systems02:48 - Figure Skating => ProgrammingPersistenceBalance Between Mind and Body05:03 - Blogging (Aimee’s Blog)06:02 - Becoming Interested in ProgrammingTreehouse@treehouse Code School@codeschool Rails Girls@railsgirls RailsBridge@railsbridge 08:43 - Why Boot Camps?10:04 - MentorsIdentifying a MentorContinuing a Mentorship13:33 - Picking a Boot Camp16:23 - Self-Teaching Prior to Attending Boot Camps20:33 - Finding Employment After the Boot CampBaltimore NodeSchoolPassionInterview Prep26:27 - Being a “Woman in Tech”30:57 - Better Preparing for Getting Started in ProgrammingBe Patient with Yourself32:07 - InterviewsGetting to Know CandidatesCoding Projects and Tests41:05 - Should you get a four-year degree to be a programmer?Eliza BrockPicks Aarti Shahani: What Cockroaches With Backpacks Can Do. Ah-mazing (Jamison) Event Driven: How to Run Memorable Tech Conferences by Leah Silber (Jamison) The Hiring Post (Jamison) Kate Heddleston: Argument Cultures and Unregulated Aggression (Jamison) Axios AJAX Library (Dave) Unbroken: A World War II Story of Survival, Resilience, and Redemption by Laura Hillenbrand (Dave) [YouTube] Good Mythical Morning: Our Official Apocalypse (AJ) Majora's Mask Live Action: The Skull Kid (AJ) The Westin at Lake Las Vegas Resort & Spa (Joe) Alchemists (Joe) Valerie Kittel (Joe) The Earthsea Trilogy: A Wizard of Earthsea; The Tombs of Atuan; The Farthest Shore by Ursula K. Le Guin (Chuck) Traction: Get a Grip on Your Business by Gino Wickman (Chuck) Freelancers’ Answers (Chuck) Drip (Chuck) Brandon Hays: Letter to an aspiring developer (Aimee) SparkPost (Aimee) Exercise and Physical Activity (Aimee)Special Guest: Aimee Knight. 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.

1 Apr 20151h 6min

152 JSJ GraphQL and Relay with Nick Schrock and Joe Savona

152 JSJ GraphQL and Relay with Nick Schrock and Joe Savona

02:25 - Nick Shrock IntroductionTwitter02:40 - Joe Savona IntroductionTwitter GitHhubBlog02:49 - Facebook and Open Source04:10 - GraphQL and Relay Overview“React for Your Data” / Component-based Data Fetching 06:11 - Unique to React? Passing Down Through the HierarchyXHPRepresentational State Transfer (REST)10:09 - QueriesToolingGraphicalPulling Definitions14:13 - Why Do I Care? (As Someone Not Working at Facebook)15:21 - Building Applications with GraphQL and Relay 19:01 - GraphQL and Building Backends21:42 - Drivers and Client SoftwareSynthesize => Code GenerationFluxContainer Classes30:58 - Reusing Components31:50 - Data Management34:25 - Open Source 36:40 - Reflecting Backend Constraints? (Optimizing the Backend)43:02 - Relationships => Logs46:24 - Security47:16 - Replacing REST (Adopting New Technology)“The Progressive Disclosure of Complexity”52:14 - What You Wouldn’t Use GraphQL or Relay ForGamesPicks Another Eternity by Purity Ring (Jamison) JT Olds: What riding a unicycle can teach us about microaggressions (Jamison) OCReMix (AJ) Duet Display (Chuck) Summoners War (Chuck) Thinking, Fast and Slow by Daniel Kahneman (Joe) Learning a new language (Joe) Other People: What Kind of Man (Nicolas Jaar remix) - Florence & the Machine (Nick) Boosted Boards (Nick) The Onion: Succession Of Terrible Events Fails To Befall 33-Year-Old Riding Longboard To Digital Media Job (Nick)Special Guests: Joe Savona and Nick Schrock. 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.

25 Mar 201539min

151 JSJ Getting Started with a Career in Web Development with Tyler McGinnis

151 JSJ Getting Started with a Career in Web Development with Tyler McGinnis

02:21 - Tyler McGinnis IntroductionTwitter GitHub BlogDevMountain Programming Bootcamp@DevMtn Firebase Experts Program03:23 - Getting Started at DevMountainHack ReactorNeedle04:38 - DevMountain ConceptionCahlan Sharp05:37 - How Do I Learn How to Code?Struggle. Fail. Tears.[Confreaks] Tyler McGinnis: What I’ve Learned about Learning from Teaching People to Code08:03 - Resources => Consume ALL THE InformationKatya Eames[YouTube] Katya Eames: How to Teach Angular to your KidsA Smarter Way to Learn JavaScript: The new approach that uses technology to cut your effort in half by Mark Myers11:16 - Two Camps: Art (Creators) and Technicians <= Does DevMountain Cater to One or the Other?13:08 - Repetition as a Way to LearnThe Hard Way Series (Zed Shaw)Follow @lzsthw for book related news, advice, and politeness 15:23 - Letting People Struggle vs Helping Them    17:14 - Training/Finding Instructors / Teaching Teachers to be Better Teachers21:08 - Why Is JavaScript a Good Language to Learn?JSX24:11 - DevMountain Mentors26:30 - Student Success Stories28:56 - Bootcamp Learning EnvironmentsReact Week@reactweekRyan Florence34:11 - Oldest and Youngest Students (Success Stories Cont’d)37:18 - Bootcamp Alumni (Employment Rates and Statistics)Picks Costco Kirkland Brand Peanut Butter Cups (Dave) [Confreaks] Tyler McGinnis: What I’ve Learned about Learning from Teaching People to Code (Dave) [YouTube] Katya Eames: How to Teach Angular to your Kids (Dave) [YouTube] Misko Hevery and Rado Kirov: ng-conf 2015 Keynote 2 (Dave) Mandy’s Fiancé (AJ) [YouTube] Katya Eames: How to Teach Angular to your Kids (Joe) ng-conf Kids (Joe) Salt (Joe) [YouTube] Dave Smith: Angular + React = Speed (Tyler) [YouTube] Igor Minor: (Super)Power Management (Tyler) React.js Newsletter (Tyler) Dave Smith’s addendum to his talk (Joe)Special Guest: Tyler McGinnis. 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.

18 Mar 201550min

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