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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JSJ 456: Developer-First Security and Security Tooling For Developers with Liran Tal & Brian Vermeer

JSJ 456: Developer-First Security and Security Tooling For Developers with Liran Tal & Brian Vermeer

Liran Tal and Brian Vermeer from Snyk join the panel to discuss development of secure software in general, and secure JavaScript and web dev in particular. They explain what developer-first security actually means, and the types of security vulnerabilities to watch out for when using modern tools to develop websites and web apps. They also present several Open Source tools that developers can use to improve their code right from within their favorite development environments and IDEs.SponsorsAudible.comCacheFlyPanelAJ ONealAimee KnightDan ShappirSpecial GuestsLiran TalBrian VermeerLinksHttps://www.webpagetest.orghttps://snyk.io/security-scanner-vuln-cost/https://marketplace.visualstudio.com/items?itemName=wix.vscode-import-costPicksDanadd Alt Texts when tweeting code on twitter as an image,https://www.goodreads.com/series/46817-demon-cycleAJZalgohttps://www.cnet.com/news/the-shirt-with-the-most-incredible-amazon-reviews/The Friendly, Interactive ShellTomorrow Night Theme (Terminal, iTerm2, VSCode, vim, etc)Dracula Themehttps://github.com/JacksonGariety/toy-chest-themeJeff BezosLiran Talhttps://starship.rs/https://vuetifyjs.com/en/Pact frameworkhttps://docs.pact.io/https://en.wikipedia.org/wiki/RemoteAccessBrianhttps://carbon.now.sh/https://en.wikipedia.org/wiki/The_Umbrella_Academy_(TV_series) Follow JavaScript Jabber on Twitter: @JSJabber Special Guests: Brian Vermeer and Liran Tal. 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.

3 Nov 20201h 6min

JSJ 455: Introducing and Understanding Svelte and Sapper with Mark Volkmann

JSJ 455: Introducing and Understanding Svelte and Sapper with Mark Volkmann

This week the panel is joined by Mark Volkmann to discuss Svelte and how it compares and differs from front-end frameworks such as React and Angular. Mark has written a book and has given talks about Svelte and also about Sapper, an application framework built on top of Svelte. He explains to the panel how Svelte components are defined differently than other JavaScript frameworks, and how they are actually compiled into the production code, which isn’t dependent on any external libraries. He also explains why and how Svelte forgoes the use of a virtual DOM, using direct DOM manipulations instead. Finally he describes Sapper and explains how it can be used to quickly and easily create Web-apps that use SSR, static pages generation and dynamic routing.SponsorsFaithlife | Now Hiring Software DevelopersRaygun | Click here to get started on your free 14-day trialAudible.comCacheFlyPanelAimee KnightDan ShappirSteve EdwardsSpecial GuestMark VolkmannLinkshttps://github.com/sveltejs/svelte/issues/2546https://mvolkmann.github.io/blog/https://objectcomputing.com/resources/publications/mark-volkmannhttps://www.manning.com/books/svelte-and-sapper-in-actionPicksSteveKey Largohttps://gbdeclaration.org/AimeeLow Level AcademyTerraform Up and RunningDanMy daughter enlisting in the Israeli Militarywww.amazon.com/The-Boys-Season-1Mark Volkmannhttps://www.meteor.com/https://mvolkmann.github.io/blog/ Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Mark Volkmann.Sponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.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.

27 Okt 202056min

JSJ 454: Mongoose, Mongo and Object Document Mapping (ODM) with Valeri Karpov

JSJ 454: Mongoose, Mongo and Object Document Mapping (ODM) with Valeri Karpov

We talk about the Pros and Cons of using a database directly vs using an abstraction layer, common mistakes, optimistic concurrency, and a nice tangent into programming concurrency models to top it off.SponsorsFaithlife | Now Hiring Software DevelopersAudible.comCacheFlyPanelAJ ONealAimee KnightCharles Max WoodSteve EdwardsSpecial GuestValeri KarpovLinkshttps://en.wikipedia.org/wiki/Aspect-oriented_programminghttps://mongoosejs.com/PicksStevehttps://cesf.us/AimeeThe Cloud Girl Sketch NotesAJGraphQurlAPC UPS with USBCyberPower UPSGoogle Lighthouse overstepFrog ChessWSL (Windows Subsystem for Linux)Chuckhttp://podcastgrowthsummit.co/http://podcastplaybook.co/mostvaluable.devStormlight ArchiveValeri Karpovhttps://masteringjs.io/ebooks/mastering-mongoose-javascript-jabberhttps://www.npmjs.com/package/archetypeamazon.com/Cryptonomicon-Neal-Stephenson Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Valeri Karpov. 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.

20 Okt 202054min

JSJ 453: Debugging Third Party JavaScript with Ben Vinegar

JSJ 453: Debugging Third Party JavaScript with Ben Vinegar

Podcast: Play in new window | Download Many websites these days have to deal with the reality of incorporating third-party scripts. These could be tracking scripts or analytics or monitoring, or even scripts that add explicit features to a site, such as chat. Regardless of the purpose, such scripts add complexity and overhead, and can interfere with the proper operation of the site. In this episode Ben Vinegar, VP of engineering at Sentry, joins the panel to discuss the complexities and implications of third-party scripts, both from the perspective of website developers, as well as from the perspective of the developers creating such scripts.SponsorsFaithlife | Now Hiring Software DevelopersRaygun | Click here to get started on your free 14-day trialAudible.comCacheFlyPanelAJ ONealAimee KnightDan ShappirCharles Max WoodSpecial GuestBen VinegarLinksETAG Cookieshttps://developer.mozilla.org/en-US/docs/Web/Web_Components/Using_custom_elementsPicksAimeehttps://github.com/hwayne/awesome-cold-showersAJAJQuery v2.0https://webinstall.dev/sdDropbox PaperWoody Zuill on Mob Programming and Influencing Change | Healthy Developer Interview #4Charles Max WoodScythehttps://www.thecreepyline.com/Ben Vinegarhttps://workers.cloudflare.com Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Ben Vinegar.Sponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.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 Okt 202016min

JSJ 452: Caddy 2 Web Server with Matthew Holt

JSJ 452: Caddy 2 Web Server with Matthew Holt

Today the panel talks with Matt Holt who works full time on the Caddy Web Server. The panel discusses things such as how it compares to other popular tools as well as lessons learned while working on it.SponsorsFaithlife | Now Hiring Software DevelopersThe Complete Software Developer’s Career Guide – Grab a Copy TodayAudible.comCacheFlyPanelAJ ONealAimee KnightCharles Max WoodSpecial GuestMatthew HoltLinkshttps://www.papaparse.com/OSI modelhttps://apilayer.com/https://github.com/mholtPicksAimeeCloud flare ball indication sectionLearning about other culturesAJhttps://webinstall.dev/caddy/https://webinstall.dev/serviceman/https://insights.stackoverflow.com/survey/2020https://www.beyondcodebootcamp.com/CharlesMost Valuable Programmer (MVP Program)https://podcastplaybook.coLightbringer seriesMatthew HoltSourcegraph Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Matthew Holt. 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 Okt 20201h 12min

JSJ 451: Are Software Bugs Inevitable with Ran Levi

JSJ 451: Are Software Bugs Inevitable with Ran Levi

Ran Levy, a well known and prolific technology podcaster joins the show to talk with the panel about software bugs. Topics of discussion include the inevitability of software bugs – are they an intrinsic part of software development? Also, can they be minimized and their impact mitigated? And what can software companies, and the developers themselves, do in order to deliver properly working software.SponsorsRaygun | Click here to get started on your free 14-day trialThe Complete Software Developer’s Career Guide – Grab a Copy TodayFaithlife | Now Hiring Software DevelopersCacheFlyPanelCharles Max WoodAJ ONealAimee KnightDan ShappirSteve EdwardsSpecial GuestRan LeviLinksAre Software Bugs Inevitable?The Wix Engineering PodcastPicksDanThe Explosion of the Ariane 5Mars Climate OrbiterAJMagic Keyboard & Trackpad 2Final Fantasy 1GameCube + GBA + HDMIHomebrew GuideCharles Max WoodMUDList of MUDs Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Ran Levi.Sponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.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 Sep 20201h 19min

JSJ 450: Native Features Inside The Browser - Introducing Google's Project Fugu with Thomas Steiner

JSJ 450: Native Features Inside The Browser - Introducing Google's Project Fugu with Thomas Steiner

For Web apps to be useful and successfully compete with native applications, they need to be able to access device features, such as the camera, local file system, Bluetooth, and more. Obviously such a mechanism needs to be secure and respect user privacy. In this episode Thomas Steiner, a Developer Advocate for the Web at Google, joins to discuss Project Fugu, and the benefits and capabilities that it already provides, and will provide in the future. Thomas, who is actively involved in this project, explains the design and development process for this project, and how it’s being rolled out and tested.SponsorsRaygun | Click here to get started on your free 14-day trialThe Complete Software Developer’s Career Guide – Grab a Copy TodayAudible.comCacheFlyPanelCharles Max WoodAJ ONealAimee KnightDan ShappirSteve EdwardsSpecial GuestThomas SteinerLinksWICGWake LockChrome Origin Trials GatekeepingMicrosoft Origin TrialsWebOTPPicksAimee Knighthttps://github.com/lebinh/nginx-confSteveGod’s Battalions: The Case for the CrusadesAJwebinstall.dev/comrakThomashttps://excalidraw.com/xxx Follow JavaScript Jabber on Twitter: @JSJabber Special Guest: Thomas Steiner.Sponsored By:Raygun: Raygun now offers Real User Monitoring of Core Web Vitals. Start your 14-day free trial now.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 Sep 202053min

JSJ 449: The Things Every JavaScript Developer Must Know

JSJ 449: The Things Every JavaScript Developer Must Know

In this episode the panel discusses various programming topics, and whether or not they are required knowledge for JavaScript programmers. This includes topics such as scopes and hoisting, closures, the event-loop, and the behavior of this. For each such topic, the panel discusses whether or not JavaScript devs are required to know and understand them in order to write better code, or pass job interviews, or to understand existing codebases. Alternatively, if these are topics that JavaScript developers don’t need to know, and maybe should even avoid.SponsorsAudible.comThe Complete Software Developer’s Career Guide – Grab a Copy TodayCacheFlyPanelAJ ONealCharles Max WoodDan ShappirSteve EdwardsLinks10 Interview Questions Every JavaScript Developer Should Know – AKA: The Keys to JavaScript Masteryhttps://kentcdodds.com/blog/newspaper-code-structurehttps://developer.mozilla.org/en-US/docs/Web/JavaScript/ClosuresYour Coffee Shop Doesn’t Use Two-Phase CommitPicksAJCrock on JS Follow JavaScript Jabber on Twitter: @JSJabberSupport 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 Sep 20201h 5min

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