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 292: CosmosDB with Kirill Gavrylyuk

JSJ 292: CosmosDB with Kirill Gavrylyuk

Panel: Charles Max WoodSpecial Guests: Kirill GavrylyukIn this episode, JavaScript Jabber speaks with Kirill Gavrylyuk. Kirill is a dev manager at Cosmos DB, and works professionally with Azure CosmosDB. Kirill is on JavaScript Jabber to talk about what CosmosDB is in the world of development technology. Chuck and Kirill discuss the nuances of this database technology, how it is implemented, and how to manage and migrate data, among other great features.In particular, we dive pretty deep on:What is Cosmos DB?Bring your data anywhere your users areIt is a websiteMultimodel databaseWorks with Mongodb CassandraStarted as database DBThroughputKey data pairsSwitching from MongoDB to AzureHow do you decide what goes into this? It looks like an everything database.Migration pathUses cases, problems solvedSupporting APIsDoes it only exist in the Cloud? An emulator is available.Subscription info.And much more!Links:@kirillg-msfthttps://www.linkedin.com/in/kirillgavrylyukPicks:KirillShared Debugging with VS Code - KeynoteCharlesUSB Powered Monitor on Amazon    Special Guest: Kirill Gavrylyuk. 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 Dec 201730min

JSJ 291: Serverless For JavaScript with Gareth McCumskey

JSJ 291: Serverless For JavaScript with Gareth McCumskey

Panel:Charles Max Wood Aimee KnightAJ O’NealJoe Eames Special Guests: Gareth McCumskeyIn this episode, JavaScript Jabber speaks with Gareth McCumskey about Serverless For JavaScript. Gareth leads the dev team at Expat Explore in Cape Town, South Africa. Gareth and this team specialize in exploring the Serverless realm in JavaScript. The JavaScript Jabbers panel and Gareth discuss the many different types of serverless systems, and when to implement them, how serverless system work, and when to go in the direction of using Serverless. In particular, we dive pretty deep on:What does it mean to be Serverless? Since platform as a service.Microservice on Docker Firebase“no backend” Backend systems Cloud functions and failure in systems How do you start to think about a serverless system? How do decide what to do?AWS Lambda Working in a different vendorNode 4 Programming JS to deploy Using libraries for NPMHow is works with AWS LambdaWhere is the database?More point of failure? Calls to Slack?AuthenticationMicro ServicesElastic Bean StalkStatic Assets, S3, ManagingTesting the services Integration testingAnd much more! Links:@garethmcc@expatexploregareth.mccumskey.comhttps://github.com/garethmccserverless.comPicks:AimeeServerless Architectures NG-BE Conference AJDocumentary on EnronHard Thing about Hard Things CharlesServerless FrameworkThe Storm Light Achieves Avengers: Infinity WarGarethBuilding MicroServices Skeptics Guide To The Universe PodcastExpate Explore Joe Wonder -  MovieGloom In Space - Board Game  Special Guest: Gareth McCumskey. 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 Dec 201756min

JSJ 290: Open Source Software with Dirk Hohndel - VMWare Chief Open Source Officer

JSJ 290: Open Source Software with Dirk Hohndel - VMWare Chief Open Source Officer

Panel: Charles Max WoodAimee KnightCorey HouseJoe EamesSpecial Guests: In this episode, JavaScript Jabber speaks with Dirk Hohndel about Open Source Software. Dirk is the Chief Open Source Officer at VMWare and has been working with open source for over 20 years. Dirk duties as the Chief Open Source Officer is to engage with the open source community and help promote the development between the community, companies, and customers.Dirk provides historical facts about open sources to current processes. The discussion covers vision and technological advances with languages, security, and worries of using open source software, view/consumption and burnout on maintaining a project. This is a great episode to learn about more different avenues of Open Source.In particular, we dive pretty deep on:What does the Chief Open Source Officer do?What is really different and has stayed the same in open source?Technological advancesGood engineering and looking ahead or forward100 million lines of code running a car…This is in everything..Production environmentsSecurityBugs in the software and the security issuesScaling and paying attentionWhere should we be worried about open sourceNotation and data setsWrite maintainable softwareHow does VMWare think about open source?View and Consumption of open sourceThe burnout of open source projects - how to resolve this abandonmentTo much work to maintain open source  - not a money issueScaling the team workload not the moneyContribution and giving backCompanies who do and don’t welcome open sourceWhat to do to make a project open source?Adopting an APIAnd much more!Links:@_drikhhVMWareDrikhh - everywhere!https://github.com/dirkhhPicks:AimeeDe Contact Dodow DirkTrack This Critical ThinkingCharlesNicholas Zakas - Books CoreyFun Fun Function ShowJoeDice ForgeConcept of empathy  Special Guest: Dirk Hohndel. 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 Dec 20171h 14min

JSJ 289: Visual Studio Code and Live Sharing with Chris Dias and PJ Meyer LIVE at Microsoft Connect 2017

JSJ 289: Visual Studio Code and Live Sharing with Chris Dias and PJ Meyer LIVE at Microsoft Connect 2017

Panel:Charles Max WoodSpecial Guests: Chris DiasPJ MeyerIn this episode, Charles is at Microsoft Connect 2017 in NYC. Charles speaks with Chris Dias and PJ Meyer about Visual Studio Code and Live Sharing. Chris and PJ explain more on their demo at Microsoft Connect on Live Collaborative Editing and Debugging. Learn more about the new features with Visual Studio Code and the efficient workflows with screen sharing, and much more.In particular, we dive pretty deep on:Demo of Live Collaborative Editing and Debugging explainedNew Features with VS CodeDeveloper productiveDebugging pain pointsGetting feedbackNew in VS CodeLanguage support and Java DebuggerLive ShareDebugging from different machines and platformsMulti-Stage Docker FileTypeScript compilerMore on debugging with Cosmos dbDebugging in the Cloud?Docker ExtensionsData BricksUpdated python toolsComing up with Visual Studio Code in the next 6 monthsTypeScript and RefactoringGetting the word out about code -  Word of mouth?Number of people using VS Code?Envision for what VS Code is becoming?Preparing for a keynote and processes?And much more!Links:https://code.visualstudio.comhttps://github.com/chrisdiasGitHub.com/microsoft@codePicks:ChrisPizzaPJDeliCharlesCoupon Pass for tourist in NYC Special Guests: Chris Dias and PJ 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.

29 Nov 20171h 2min

JSJ 288: TypeScript with Amanda Silver

JSJ 288: TypeScript with Amanda Silver

Charles Max WoodSpecial Guests: Amanda SilverIn this episode, Charles is at Microsoft Connect 2017 in NYC. Charles speaks with Amanda Silver. Amanda is deemed the  TypeScript and future of JavaScript guru, and this year's speakers at Microsoft Connect with Visual Studio Live Share. Amanda shares what is new with TypeScript and how that is a kind of subscript to JavaScript. Amanda explains the big picture of TypeScript’s inception and where she believes the language will be most efficient and effective for JavaScript and TypeScript developers.In particular, we dive pretty deep on:What is new in TypeScript?Keep JavaScript and TypeScript alignedTypeScript is implemented to create larger scaled applicationsIntegration with VS Code, etc.Building better tools for JavaScript DevelopersWhen would this be taken on by usersDefaults in Visual StudioTypeScript replacing JavaScript type serviceTypeScript is written in TypeScriptChakra runtimeDiasporaThe different faces of JavaScriptOptimized JavaScript runtimeLanguages should be created with toolingA satisfying tooling experienceFoot GunsNew TokensEco-systems and metadataMulti-phaseMinimum common denominator constantly changingCollaborating on the same codeOpen Source and the impactHow to move to open sourceContributingThe next thing for TypeScriptThe future of JavaScriptAnd much more!Links:@amandaksilver Picks:AmandaVisual Studio Live ShareInstinct of learning technologyCharlesVisual Studio Live ShareAI   Special Guest: Amanda Silver. 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 Nov 201730min

JSJ 287: Blockchain and JS with Ari Lerner

JSJ 287: Blockchain and JS with Ari Lerner

Panel:Aimee KnightAJ O’NealCharles Max WoodSpecial Guests: Ari LernerIn this episode, Java Script Jabbers speak with Ari Lerner. Ari is the author of NG Book: The Complete Book on AugularJS, Full Stack React,  and a few others.  Ari co-runs newline.co a platform that teaches about the Block Chain, Ethereum, New Contracts, etc. Ari mentions a few upcoming books on Machine Learning, Elixir, and react Native.Ari gives a rundown on what the Block Chain is about, and an explanation of a Hash. Ari explains the value of a Hash and 6-bit strings of a Hash. Also, Ari explains the exchange of currency in Bitcoin and the rate of exchange in the Block Chain. Next Ari covers web 3.0 and much more.In particular, we dive pretty deep on:What is the Block Chain?A Hash?The blockchain is an order of ledger.The blockchain is a  list of transactionsHow is a Hash used?Sha 256Bitcoin and Block ChainsWhat If two machines get the same answer?Describe a transaction in a blockchain?Exchanging currencyThe cost of BitcoinWeb 3.0Everything on the Block Chain is public!Where else is Block Chain is used besides bitcoin type currencyPublic Key.What should JS developer be doing to prepare?And much more!Links:https://www.ng-book.com/http://www.newline.co.bw/The History of Money@AuserStack.ioPicks:AmieeArticle -  Learn Block Chain by Building OneThe Source BarCharlesMicrosoft Connect - Meet up at 7pmStranger Thing Season 2AJSpice Labels and Spice JarsMarriageAriMoving to NYCLearn Block Chain by Building OneSpecial Guest: Ari Lerner. 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 Nov 201757min

JSJ 286: Creating a CSS-in-JS Library from Scratch and Emotion with Kye Hohenberger

JSJ 286: Creating a CSS-in-JS Library from Scratch and Emotion with Kye Hohenberger

Panel:Amiee KnightCharles Max WoodSpecial Guests: Kye HohenbergerIn this episode, JavaScript Jabbers speak with Kye Hohenberger. Kye is a developer and co-founder of Side Way. One of Kye’s most notable works and library is Emotion, a CSS and JS library.Kye talks about what CSS and JS library is about in the context of the Emotion library system. Kye discusses why this is practical for the writing process, in comparison to other types of tools that do similar jobs. Kye explains the how this tool reduces the number of lines of code and is compact and clearer.In particular, we dive pretty deep on:What is a CSS and JS library?Controlling CSS with JS, what does this solve?Style bugsWhat kind of styling are you using vs. complex styles?Media queryA more declarative styleUsing SassWhere do you see people using this?Class names and you can apply to anythingHow Emotion works!Style tagsObject stylesWhat are some of the problems you are solvingReact Emotion - dynamic stylesHow does this compare to other style components?Glamor StylesHow do you test something like this?Just Glamor React with EmotionCan people use the Babel pluginPure flag and function callsAnd much more!Links:Emotion.shEmotion-js/emotionemotion.now.sh@TKH44Picks:AmieeArticle on MediumAntibiotics and SteroidsRX Bars CharlesDisney Emoji Blitz How To Get A Job  -  JavaScriptJabber.comKyeStyled SystemFace PaintAussie Bites Special Guest: Kye Hohenberger. 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 Nov 201750min

JSJ 285 : Finding a Job Even If You're Not a Senior Developer by Charles Max Wood

JSJ 285 : Finding a Job Even If You're Not a Senior Developer by Charles Max Wood

Panel:Charles Max WoodIn this episode of JavaScript Jabber, Charles does a solo episode talking about entrepreneurship and the topic/course on “How to Get a Job.” This is an informative episode for those looking for a job as a developer and how to prepare your resume for your career search. Charles covers the core pieces of the course and specific areas of tailoring your credentials for the job you want to acquire.In particular, we dive pretty deep on:How do I get a great job? Companies are only hiring Senior Devs.Your selling point as a Jr. Dev.Framing your experience for the companies to better see your experience.I don’t want a ( this kind of boss)Feeling like you are making a difference in your job.Who do you want to work for, with, where, and how, etc?Working in a facility or remotely. What do you want?Check out the meet-up places or workplaces (WeWork), GlassdoorCheck out the people who work that these companies, LinkedIn.Check out company’s Slack rooms, forum, etc. to make connectionsVisit the companies personallyLook into contacting the Meetup OrganizersBuilding rapportResume mistakes - how to properly format it so it is skim-ableTop 3 bullet points and tailor you resume for each jobUnnecessary material in your resume - again tailor to the companyImportant material to include on your resume, contributions on projectsThe cover letter - How to do this correctly with a personal touchWhat to do when you get the interview - the offer!And much more!Links:devchat.tv/get-a-coder-job-full-accessfull-accessWeWorkExpert Salary NegotiationSupport 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 Nov 201746min

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