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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Interactive Coding Tutorials with Tomek Salkowski: Enhancing Developer Experiences - JSJ 651

Interactive Coding Tutorials with Tomek Salkowski: Enhancing Developer Experiences - JSJ 651

AJ and Steve dive deep into the world of interactive coding tutorials alongside guest, Tomek Sułkowski. They kick off with a brief chat about the weather before delving into Tomek's expertise in creating engaging and interactive tutorials—shedding light on everything from the history of coding tutorials to the technical wonders of web containers, brought to prominence by platforms like Stackblitz.They explore the innovative "tutorials kit dot dev," a revelatory tool for developers, and discuss the triumphs and challenges in building these interactive learning experiences. Plus, discover amazing tech insights from AJ, development updates from Tomek, and a whole lot more. SocialsLinkedIn: Tomek Sułkowski PicksAJ - Rocky Mountain ATVAJ - pg-essentialsAJ - SSH now has IncludeAJ - DeepSeek-Coder-v2Tomek - Component partyTomek - IconesBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

1 Okt 202457min

Optimizing SQL and ORM Practices for High-Performance Applications - JSJ 650

Optimizing SQL and ORM Practices for High-Performance Applications - JSJ 650

In today's episode, Charles, Steve, and AJ, are joined by back-end engineer and team lead at Homebound, Stephen Haberman. We delve into the fascinating world of SQL c and its revolutionary approach to managing SQL queries with dedicated SQL files, delivering benefits such as reduced typing errors and pre-deployment checks. Stephen also walks us through the advantages and limitations of ORMs versus query builders like Prisma and Drizzle, sharing insights into Joyce ORM's unique philosophy and simplified CRUD operations.They explore the intricacies of Domain Driven Design (DDD), its emphasis on ubiquitous language, and how it shapes business logic and storage management. AJ contributes by discussing the potential of SQL c and Slonik for dynamic query building. Additionally, they discuss Steven's innovative work with GraphFileWorker and GrafAST, highlighting the performance improvements in GraphQL backends. Whether you're intrigued by the technicalities of ORMs, the evolution of database tools, or just love a good anecdote, this episode packed with technical insights and lively discussions is one you won't want to miss. Join them on this journey into the world of database management and development!SocialsLinkedIn: Stephen HabermanPicks AJ - TypeScript to JSDocAJ - MySQL to TypeScriptAJ - sqlcAJ - Slonik (Node + Postgres)AJ - SwiftUI EssentialsAJ - Introduction to SwiftUI AJ - Trump, but not saying dumb thingsCharles - Biblios | Board GameCharles - FreeStyle Libre 3 System | Continuous Glucose MonitoringStephen - Grafast | GrafastBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

24 Sep 20241h 31min

Mentorship in Tech: Balancing Professionalism and Friendship for Maximum Growth and Accountability - JSJ 649

Mentorship in Tech: Balancing Professionalism and Friendship for Maximum Growth and Accountability - JSJ 649

They dive deep into the world of mentorship, personal growth, and problem-solving with our special guests, Joao and Manny, alongside our insightful panelists, AJ and Charles.In this episode, they explore the transformative power of weekly accountability meetings (WAM), where tasks are committed and followed up with a yes or no, no excuses allowed. Joao and Manny share their journey of mentorship that crossed borders, forging a strong bond through adversity and mutual respect. We'll also delve into how their dynamic friendship amplifies professional standards, and the importance of balancing personal and professional relationships.We discuss the profound impacts of structured problem-solving methods, specifically George Polya's renowned four-step process. Joao and Manny highlight how this systematic approach has refined their coding skills and overall problem-solving abilities. Alongside, we touch upon the fascinating intersection of human learning and AI, emphasizing the unique capacity humans have for generalizing new problems from limited data.In addition, our speakers will share their roadmap for continuous learning, curriculum development, and practical exercises—highlighting tools like Trello for task management and Anki for reinforcing learning. AJ O'Neil offers his unique perspective on the talent it takes to thrive in programming and how personal enjoyment is crucial for sustained success.Later, we'll transition to our Picks section, where AJ, Charles, and the guests share their latest recommendations, from essential productivity tools and engaging books to top-notch apps and board games.Finally, we'll wrap up with some valuable insights on time management, consistent study habits, and the importance of finding a mentor who truly cares about your growth. Whether you're a seasoned developer or just starting out, this episode is packed with practical advice and inspiring stories that you won't want to miss. So, tune in for all this and more on Top End Devs!PicksAJ - Apple EarpodsAJ - SwiftUICharles - Biblios | Board GameCharles - FreeStyle Libre 3 SystemManny - Jaco: The Extraordinary and Tragic Life of Jaco PastoriusManny - Baldur's Gate 3 on SteamBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

17 Sep 20241h 19min

Unpacking Deno 2: Code Stability, Free Speech, and more - JSJ 648

Unpacking Deno 2: Code Stability, Free Speech, and more - JSJ 648

Today, Charles, Dan, AJ, and Steve dive into a range of fascinating discussions. Joining this episode is special guest, Ryan Dahl, the visionary creator behind Node.js and Deno.In this episode, they traverse an eclectic mix of topics, from humorous offbeat news and dad jokes to in-depth tech discussions. They explore the complexities and legalities surrounding free speech, offering diverse perspectives on its implications in the modern digital landscape.But the heart of our discussion is Ryan Dahl's exploration of Deno 2, the latest evolution in JavaScript's runtime environment. You'll hear about its distinctive features, including the revolutionary JSR project, and how it aims to simplify and secure modern JavaScript development, addressing challenges and limitations found in Node.js. They also discuss the intricacies of TypeScript support, Deno’s security model, and the future potential of JavaScript in data science.Join them for a lively conversation packed with insights, technical deep-dives, and plenty of humor. Whether you're a seasoned developer or just starting your coding journey, this episode is sure to offer valuable takeaways and an entertaining ride through the world of modern web development.Sponsors Wix StudioSocialsLinkedIn: Ryan DahlTwitter: @deno_landDenoPicksAJ - SwiftAJ - DenoCharles - Challengers! | Board GameRyan - GrainBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

10 Sep 20241h 34min

Opinionated Core Web Vitals - JSJ 647

Opinionated Core Web Vitals - JSJ 647

Dan Shappir takes the lead this week to discuss Core Web Vitals and how Google is pushing the web to be faster.He leads Chuck, Aimee, and AJ through the ways that developers can measure and improve the performance of websites based on the statistics specified by Google as components of Google rankings.Sponsors Wix StudioLinksWeb VitalsPicksAimee- GitHub | treosh/lighthouse-ci-actionAimee- GitHub | GoogleChrome/lighthouse-ciAJ- Classless CSSAJ- One FinanceAJ- JCS - Criminal Psychology - YouTubeAJ- Auth Library Live StreamCharles- Atlas Shrugged Charles- Dev Influencers | Devchat.tvDan- Core Web Vitals Technology ReportDan- Math Has a Fatal Flaw - YouTubeBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

3 Sep 20241h 10min

Beyond JavaScript: Master TypeScript at Scale at SquiggleConf  - JSJ 646

Beyond JavaScript: Master TypeScript at Scale at SquiggleConf - JSJ 646

Dan together with Josh Goldberg, a prominent open-source maintainer and author of "Learning TypeScript, dive into the world of TypeScript and JavaScript with a special focus on the upcoming Squiggleconf. In this episode, they'll detail the conference format, including its dedicated days for talks and workshops, and highlight the impressive lineup of speakers who will cover topics like ASTs, TypeScript at scale, and essential documentation practices.Josh also shares insights into the evolution and practical application of TypeScript ESLint. Expect a deep dive into TypeScript's latest features, such as generics and specific lint rules that enhance code quality and developer experience.SocialsLinkedIn: ‌Josh ‌GoldbergPicksDan - Dan's favorite standalone fantasy booksDan - Despicable Me and MinionsJosh - NeuromancerJosh - WitcherBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

28 Aug 20241h 10min

Deep Dive into Metrics and Monitoring with Prometheus and Grafana - JSJ 645

Deep Dive into Metrics and Monitoring with Prometheus and Grafana - JSJ 645

Dive into a fascinating discussion blending the worlds of literature, gaming, and tech. In this episode, Chuck and Dan explore the intriguing connections between The Hobbit and The Lord of the Rings, including an extraordinary tale about Israeli pilots translating The Hobbit during wartime. They share insights into Guy Gavriel Kaye’s standalone novel Tigana, inspired by Renaissance Italy, and discuss the complexities and strategies of board games like Monopoly and Letters from Whitechapel.But that’s not all. The episode takes a technical turn as the speakers delve into the dynamic world of application monitoring with Prometheus. They unpack the mechanics of event loop lag, heap usage, and GC storms, and share how Prometheus's query language (PromQL) and integration with Grafana can proactively manage and solve performance issues. Hear about real-time alerting, sophisticated querying, and the practical applications of these tools in companies like Next Insurance and Sisense.This episode is packed with information - from managing performance metrics and alerting systems to insightful discussions on favorite standalone fantasy novels and the productivity hacks that keep our hosts on top of their game. So, sit back and join us for an engaging and informative session on Top End Devs!SocialsLinkedIn: Chuck WoodLinkedIn: Dan ShappirPicksCharles - Letters from Whitechapel | Board GameCharles - TrainingPeaks | Empower Your TrainingBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

20 Aug 20241h 25min

Crafting Code and Community: AI, LeetCode, and Meetups - JSJ 644

Crafting Code and Community: AI, LeetCode, and Meetups - JSJ 644

In this episode, they dive deep into the world of coding, meetups, and the evolving landscape of technical interviews. Join them as they explore the fascinating use of OpenAI's technology for coding assistance, the challenges of setting up impactful meetups, and the intricacies of mastering LeetCode problems.Our experts share invaluable insights—from leveraging AI tools like GPT to generate code effectively, to the essential strategies for problem-solving during high-pressure technical interviews. They also touch on the importance of deliberate practice, group support, and finding the right mindset for tackling coding challenges. Plus, hear personal stories about the benefits of taking breaks, the role of LeetCode in honing coding skills, and the shift in interview styles towards speed and pattern recognition.Sponsors Wix StudioSocialsAnatoliy D. ZaslavskiyLinksNYC LeetCode SquadPicksAJ - Yumi and the Nightmare Painter by Brandon SandersonAJ - The ChosenAJ - Beauty & The BeatAnatoliy - Authentic relatingAnatoliy - Neurodivergent Guide to the WorkplaceCharles - Challengers! | Board GameSteve - Myspace celebrates its 21st birthday. Do we still need it?Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

13 Aug 20241h 9min

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