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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Sorting through the Script (AJ vs. Dan Shappir) - JSJ 519

Sorting through the Script (AJ vs. Dan Shappir) - JSJ 519

Want to watch AJ and Dan Shappir do battle LIVE? You’re in the luck! In this episode, the jabberers go deep on the nuances of var, what we can all learn from C++ about coding, and Dan’s go-to remedies for keeping your Script nice, neat, and not-chaotic.In This EpisodeThe ONE rule you need know about var (and how it affects the future of JavaScript)Why C++ allows variables to execute the code while JavaScript doesn’t (and what we learn from this differenceThe biggest drawback to all of JavaScript’s recent changes (and how to avoid tripping over yourself)Dan’s go-to remedies for keeping your Script tidy and variables obedientSponsorsVultrRaygun | Click here to get started on your free 14-day trialTop End DevsPicksAJ- Mario Kart Live: Home CircuitAJ- Deku DealsAJ- Node.js Best PracticesAJ- webinstall.dev AJ- [CreedsOfCraftsmanship](CreedsOfCraftsmanship.com)Follow CoolAJ86 Live Streams: YouTube: https://youtube.com/coolaj86Twitch: https://twitch.tv/coolaj86Follow Beyond Code: YouTube: https://www.youtube.com/channel/UC2KJHARTj6KRpKzLU1sVxBATwitter: https://twitter.com/@_beyondcodeCharles- Scythe | Board Game | BoardGameGeekCharles- New development with TopEndDevs!Charles- Brisket Tacos Dan- Reversim conferenceDan- The 2021 Web AlmanacDan- Old Man's War SeriesSteve-  Is Atheism Dead? | Eric MetaxasSponsored By:Top End Devs: Learn to Become a Top 5% Developer. Join our community of ambitious and engaged programmers to learn how.Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.Vultr: Tired of explaining your absurdly high Big Tech cloud bills to your boss? Let me tell you about this cloud infrastructure company that’s the talk of the tech world. 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 Feb 20221h 10min

Virtual DOM and the React Way, Part Deux - JSJ 518

Virtual DOM and the React Way, Part Deux - JSJ 518

This episode is a continuation of Javascript Jabber 512, so head over there before tuning into this one! In this Part 2, the Jabberers and Dan Shappir discuss THE difference between Svelte vs. virtual DOM and React, the most noticeable pros and cons of React when a DOM’s around, and how “partial rendering” is changing the game. Per usual, Steve’s dad jokes are 100% funny._“This separation that the VDom creates between the representation of the UI and the actual UI is a really powerful one.”Dan Shappir_In This EpisodeThe BIGGEST difference between Svelte and virtual DOM + React (and when to use one or the other) React’s noticeable pros and cons when a DOM gets involved (and how much they’ll affect your workflow in 2022) What to watch out for in case you get locked into a vendor (and which vendors to consider) How “partial rendering” is changing the game (and created a whole new model where React is the “middleman”)SponsorsVultrTop End DevsCoaching | Top End DevsPicksAimee- Financial Literacy as a 2022 goalAimee- GitHub: eyalev/kubectl-context-promptAJ- iOS 6 Apple Maps with Pins AJ- Classless JavaScript - Dec 16, 2021 - Utah Node.jsClassless JavaScript - Dec 16, 2021 - Utah Node.jsAJ- Best Thunderbolt Display / iMac Monitor AlternativeAJ- Creeds of Craftsmanship AJ- webinstall.devDan- Molly White on Twitter: my god it's actually happenedSteve- Twitter: Dad Jokes ( @Dadsaysjokes )Steve- Everything I googled in a week as a professional software engineer - localghostSteve- Detailed Footage Finally Reveals What Triggers Lightning | Quanta MagazineSponsored By:Coaching | Top End Devs: Do you want to level up your career? or go freelance? or start a podcast or youtube channel? Let Charles Max Wood Help You Achieve Your DreamsTop End Devs: Learn to Become a Top 5% Developer. Join our community of ambitious and engaged programmers to learn how.Vultr: Tired of explaining your absurdly high Big Tech cloud bills to your boss? Let me tell you about this cloud infrastructure company that’s the talk of the tech world. 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 Jan 20221h 31min

Can JAMstack do REAL Web Apps? with James Q Quick - JSJ 517

Can JAMstack do REAL Web Apps? with James Q Quick - JSJ 517

But really…can it? It absolutely can AND a lot more. In this new episode of JavaScript Jabber, the roundtable sits down with James Q Quick, a software developer, podcast host, and overall future-enthusiast. The team discusses what the “JAM” in JAMstack means for developers, how it’s making integrating features (like payment processing) a breeze, and what you NEED to know about JAMstack going into 2022. “None of these individual tools are new, but JAMstack just became a new way to combine those things with static content and leverage those concepts.” - James Quick In This EpisodeWhy JAMstack is more than just individual pieces clumped together (and could be replacing how developers do business) How the “JAM” in JAMstack is allowing developers to pick and choose the services they want (without knowing all the nitty gritty details) James lays out how JAMstack makes payment processing a no-brainer (and it’s not just Twitter hype) New features and apps for JAMstack that you NEED to know in 2022 Where JAMstack is shows its power and ease-of-use (and why you should have some “secret sauce” in your cabinet)SponsorsCoaching | Top End DevsRaygun | Click here to get started on your free 14-day trialTop End DevsLinksjamesqquick - TwitchPicksAJ- SnapDropAJ- Leviathan WakesAJ- Happy paths should be a video - YouTubeAJ- Best Thunderbolt Display / iMac Monitor AlternativeAJ- webinstall.dev AJ- CreedsOfCraftsmanship.comCharles- Family Business | Board Game | BoardGameGeekCharles- Think and Grow RichJames- Anker Portable ChargerJames- M1 MacBook ProJames- Compressed.fmSteve- “Dadvent Calendar” by David TrottSteve- Twitter: Dad Jokes ( @Dadsaysjokes )Special Guest: James Quick.Sponsored By:Top End Devs: Learn to Become a Top 5% Developer. Join our community of ambitious and engaged programmers to learn how.Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.Coaching | Top End Devs: Do you want to level up your career? or go freelance? or start a podcast or youtube channel? Let Charles Max Wood Help You Achieve Your DreamsSupport 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 Jan 20221h 19min

Simplifying Slinkity with Anthony Campolo

Simplifying Slinkity with Anthony Campolo

Ever feel overwhelmed by the crazy number of new frameworks? We’ve got a solution for you. In this episode, the JavaScript jamboree sits down with Anthony Campolo, a software developer who’s spreading the word about a powerful yet flexible new tool--Slinkity. They talk about how Slinkity answers the age-old question and simplifies everything, how to prevent the nasty “uncanny valley” from rearing its head during loading, and why eBay and Slinkity are on the same page about “the basics”.“I think Slinkity is an interesting new way to build websites in a framework-agnostic way. It’s like using little sprinkles of JavaScript!”Anthony CampoloIn This Episode:If you’re feeling overwhelmed by all these new frameworks, Anthony explains how Slinkity simplifies it all How to effectively use Slinkity’s bundling capabilities with Vite and other tools What tools and techniques you need to prevent an “uncanny valley” from popping up every time you sit down to program Remember eBay? Anthony explains how Slinkity and eBay are making programmers want to “go back to the basics”.Sponsors:VultrTop End DevsCoaching | Top End DevsRoundtable Picks:AJ’s M1 Max MacBook Pro Wheel of Time TV show on AmazonPrime Anthony’s Discord servers: LunchDev, FrontEnd.Horse Charles’s Marvel Legendary board and card game Auth0 authentication and authorization tool Jon Rich and Mike Rowe song “Santa Has a Dirty Job” Steve’s Venom 2 movie https://twitter.com/Dadsaysjokes Learn more about Slinkity: Home Page Twitter GitHub Connect with Anthony: Twitter GitHub Blog Special Guest: Anthony Campolo.Sponsored By:Coaching | Top End Devs: Do you want to level up your career? or go freelance? or start a podcast or youtube channel? Let Charles Max Wood Help You Achieve Your DreamsTop End Devs: Learn to Become a Top 5% Developer. Join our community of ambitious and engaged programmers to learn how.Vultr: Tired of explaining your absurdly high Big Tech cloud bills to your boss? Let me tell you about this cloud infrastructure company that’s the talk of the tech world. 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.

11 Jan 20221h 1min

Creating Your Community with Brett Haralson - JAVASCRIPT 515

Creating Your Community with Brett Haralson - JAVASCRIPT 515

Ever wonder why you feel like you belong in some groups and the black sheep in others? In this episode, the Javascript dudes sit down with Brett Haralson, a software developer and manager at Wix who’s learned the fundamentals of cultivating world-class communities. They discuss what Brett does FIRST to start building a community, how to handle negativity before and when it pops up, and what you NEED to do after you “find your tribe”.“It’s the relationships and friendships made that are life-changing. To create a community, you need to make people feel like they belong.”BrettIn This Episode: What Brett looks for FIRST to build a life-long and robust community (not just an Instagram following) Worried about negativity in your community? Brett lays out how to “safeguard the spirit” and integrate critique productively (and how to boot out the jerks) Brett’s go-to steps to quickly become a valued member of any community (hint-hint: it’s about lingo and value) Once you “find your tribe”, Brett shares what you NEED to do to keep your communities alive and thrivingRoundtable Picks:Steve’s Orion web browser Brett’s Resident Evil Village Resident Evil books Foundation TV show Charles’s Lost Cities board game Think and Grow Rich by Napoleon Hill Wheel of Time TV show Connect with Brett: https://twitter.com/brettharalson https://www.instagram.com/brettharalson https://www.linkedin.com/in/brett-haralson/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.

4 Jan 20221h 4min

Where is JAMstack and Dev Tooling  Headed Today? - Putting JetPacks on Developers ft. Tejas Kumar - JSJ 514

Where is JAMstack and Dev Tooling Headed Today? - Putting JetPacks on Developers ft. Tejas Kumar - JSJ 514

Tejas Kumar joins JavaScript Jabber to discuss the advances in developer tooling and how it relates to ideas like the JAMstack to allow developers to move back and build larger applications with smaller teams. The discussion ranges over backend, frontend, and cloud technologies. PanelAimee KnightAJ ONealCharles Max WoodDan ShappirGuestTejas KumarSponsorsShortcut (formerly Clubhouse.io)Raygun | Click here to get started on your free 14-day trialTop End DevsPicksAJ - Why it's OK to Over-Engineer your BlogAJ - 12 Steps to Better CodeAJ - Nail it then Scale it • WebsiteAJ - The Phoenix ProjectAJ - webinstall.devAJ - CreedsOfCraftsmanship.comAJ - Follow CoolAJ86 Live Streams: YouTubeTwitchFollow Beyond Code: YouTubeTwitterDan - WixDan - Improving The Performance Of Wix Websites (Case Study)Aimee -Gentle introduction to GPUs inner workingsChuck - TopEndDevs Chuck - Scylhe Chuck - Morgan Stanley Tejas - Xata Tejas - Hasura Tejas - DeathloopSupport 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.

21 Dec 20211h 1min

3 Fundamental Pillars You Need to Succeed as an Entrepreneur - BONUS

3 Fundamental Pillars You Need to Succeed as an Entrepreneur - BONUS

Get Lifetime Access to Mani's Entrepreneurship Pack and Book Club. Use coupon code "GREAT"Mani has summarized hundreds of business books that outline how to build, grow, and operate a business and he shares his expertise with Chuck and the listeners in this special episode.Chuck and Mani discuss what it takes to be a successful entrepreneur. They talk about their businesses on a regular basis and Chuck's been getting a lot of requests for entrepreneurship help.He and Mani talk about the 3 primary things that add momentum to your business and help you keep the momentum up when setbacks come your way. Get Lifetime Access to Mani's Entrepreneurship Pack and Book Club. Use coupon code "GREAT"Special Guest: Mani Vaya. 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.

15 Dec 20211h 5min

HTMX and InterCooler ft. Carson Gross - JSJ 513

HTMX and InterCooler ft. Carson Gross - JSJ 513

Carson Gross is the creator of InterCooler and HTMX. He pulled them together to manage the way that he wrote JavaScript and interacted with hypermedia and HATEOAS to make managing the DOM and backend easier.It's not really a competitor to web frameworks as much as a different way to think about the front-end of your application.PanelAJ O'NealDan ShappirGuestCarson GrossSponsorsShortcut (formerly Clubhouse.io)Raygun | Click here to get started on your free 14-day trialTop End DevsLinks///_hyperscript</>htmx - high power tools for htmlTwitter: htmx.org ( @htmx_org )PicksAJ- Eta | EtaAJ- FastifyAJ- Creeds of CraftsmanshipCarson- ///_hyperscriptSpecial Guest: Carson Gross.Sponsored By:Top End Devs: Learn to Become a Top 5% Developer. Join our community of ambitious and engaged programmers to learn how.Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.Shortcut (formerly Clubhouse.io): Your project management tool should be a breeze to setup, at least mildly enjoyable to use, and help evolve your already existing development workflows so it's easier to get things done. Does that describe your current tool? If it does, great! You can stop reading. If not, then Shortcut (formerly known as Clubhouse) could be the perfect fit. We're project management built specifically for software teams and we're fast, intuitive, flexible, powerful, and many other nice, positive adjectives. Delight the grumpiest scrum masters with Shortcut.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.

14 Dec 20211h 12min

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