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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174 JSJ npm 3 with Rebecca Turner and Forrest Norvell

174 JSJ npm 3 with Rebecca Turner and Forrest Norvell

Don’t miss out! Sign up for Angular Remote Conf! 02:28 - Forrest Norvell IntroductionTwitter GitHub02:37 - Rebecca Turner IntroductionTwitter GitHub Blog03:05 - Why npm 3 Exists and Changes in npm 2 => 3DebuggingLife Cycle OrderingDeduplication08:36 - Housekeeping09:47 - Peer Dependency ChangesThe Singleton Pattern15:38 - The Rewrite Process and How That Enabled Some of the Changes Coming OutCJ Silverio: Npm registry deep dive @ Oneshot Oslo 22:50 - shrinkwrapping 27:00 - Other Breaking Changes?Permissions30:40 - Tiny Jewels33:24 - Why Rewrite?36:00 - npm’s Focus on the Front EndBower npm Roadmap 42:04 - Transitioning to npm 342:54 - Installing npm 344:11 - Packaging with io.js and Node.js 45:16 - Being in BetaPicks Slack List (Aimee) Perceived Performance Fluent Conf Talks (Aimee) Paul Irish: How Users Perceive the Speed of The Web Keynote @ Fluent 2015 (Aimee) Subsistence Farming (AJ) Developer On Fire Episode 017 - Charles Max Wood - Get Involved and Try New Things (Chuck) Elevator Saga (Chuck) BrazilJS (Forrest) NodeConf Brazil (Forrest) For quick testing: `npm init -y`, configure init (Forrest) Where Can I Put Your Cheese? (Or What to Expect From npm@3) @ Boston Ember, May 2015 (Rebecca) Open Source & Feelings Conference (Rebecca) bugs [npm Documentation] (Rebecca) docs [npm Documentation] (Rebecca) repo [npm Documentation] (Rebecca)Special Guests: Forrest Norvell and Rebecca Turner. 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.

26 Aug 201556min

173 JSJ Online Learning with Gregg Pollack

173 JSJ Online Learning with Gregg Pollack

Check out Angular Remote Conf! 02:55 - Gregg Pollack IntroductionTwitter GitHubEnvy Labs@envylabsCode School@codeschool  Starter Studio05:19 - Code SchoolRails for ZombiesTry Ruby 06:49 - Course ContentCode School Angular.js CoursesBreaking the Ice with Regular ExpressionsThe Fundamentals of Design09:42 - Plots & Storylines11:40 - Code School vs Pluralsight 14:09 - Structuring CoursesFrontend vs BackendBuilding Blocks of Express.jsReal-Time Web with Node.js  Security & SandboxingabecedaryMocha18:21 - JavaScript.com Try jQuery Contributing to JavaScript.comLet Us KnowTry JavaScriptResources22:47 - Designing Exercises & ChallengesabecedaryChai30:31 - The Future of Online LearningThinkfulBloc.ioAirPairHackHands Smarterer34:01 - Teaching Best PracticesPicks Mr. Robot (Gregg) #ILookLikeAnEngineer (Aimee) Why we Need WebAssembly An Interview with Brendan Eich (Aimee) Raspberry Pi 2 Model B (AJ) Periscope (Chuck)Special Guest: Gregg Pollack. 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 Aug 201533min

172 JSJ NodeSchool with Jason Rhodes

172 JSJ NodeSchool with Jason Rhodes

Check out Angular Remote Conf! 02:22 - Jason Rhodes IntroductionTwitter GitHub BlogSparkPostNodeSchool@nodeschool GitHub: NodeSchoolcharmCityJS@charmcityjs 03:46 - NodeSchoolJason Rhodes: A Story About NodeSchool and Community Building at CascadiaJS 2014Jason Rhodes: NodeSchool Trying Node AND Contributing @ Empire Node 201406:05 - “Workshopper(s)”07:13 - How Meetups Run (Format), Target Audience11:09 - Pair Programming and Peer Learning14:34 - Starting a NodeSchool Chapter15:53 - Implementing Diversity18:07 - Mentoring and Mentorship20:49 - Time Commitment and Effort24:02 - Appealing to All Experience Levels of Attendees26:48 - The NodeSchool Community30:45 - Being a Member of an Open Source CommunityPicks Better Off Ted (Joe) Cat Exercise Wheel (Aimee) That Conference (Joe) primitive.io (Joe) React Rally (Aimee) Falcor YouTube Playlist (Aimee) javascriptjabber.com/15minutes (Chuck) Entreprogrammers Retreat 2015  (Chuck) Love Letter (Jason) charmCityJS (Jason) Mad Max: Fury Road (Jason)Special Guest: Jason Rhodes. 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 Aug 201541min

171 JSJ Babel with Sebastian McKenzie

171 JSJ Babel with Sebastian McKenzie

02:28 - Sebastian McKenzie IntroductionTwitter GitHub Blog02:53 - Babel (Pronunciation Clarification)05:56 - HistoryLearn ES2015 - Babel09:14 - The State of Babel09:59 - Babel and the TC39 Process11:54 - Features That Can’t Be TranspiledWeak Maps and Proxies    13:45 - Readability and Performance OutputTraceur18:12 - Plugin Architecture19:58 - ES6/2015 Feature ImplementationBlockscopingLabelsExceptionsDestructuring25:49 - The Birth of Babel26:45 - Babel vs Traceur28:08 - Future Babel FeaturesCode OptimizationMinificationLinting30:15 - The Status of ES2015 and ES201631:01 - Browser Support35:03 - Marketing 35:59 - TypeScript 37:24 - Babel Development and LaborPicks Primitive.io (Joe) Armada: The Novel by Ernest Cline (Joe) How to Win Friends & Influence People by Dale Carnegie (AJ) Web Security Warriors Podcast (AJ) Nodevember (Aimee) The Hitchhiker's Guide to the Galaxy by Douglas Adams (Dave) Yellowstone National Park (Dave) React Rally (Dave) Iterativ: AngularJS Kurs (Chuck) Hire Thom Parkin! (Chuck) The Martian by Andy Weir (Sebastian) Five Guys Burgers and Fries (Sebastian)Special Guest: Sebastian McKenzie . 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 Aug 201547min

170 JSJ RabbitMQ with Derick Bailey

170 JSJ RabbitMQ with Derick Bailey

Check out RailsClips!   02:38 - Derick Bailey Introduction Twitter GitHub BlogEntreprogrammers RabbitMQ: Patterns for Applications by Derick Bailey 03:36 - RabbitMQrequest-response Messaging Pattern 05:22 - Synchronous/Asynchronous; Chronological/Non-Chronological 10:33 - Why Do JS Devs Care About RabbitMQ? 12:10 - RabbitMQ and Complexity 14:04 - RabbitMQ’s Model Pub/Sub - RedisEnterprise Integration Patterns: Designing, Building, and Deploying Messaging Solutions by Gregor Hohpe Exchanges, Queues, and Bindings 22:15 - Event Emitters, Organizing Your Code Documentation 31:18 - Service Busses & Monitoring Systems NServiceBus 32:58 - How do you decide you need a messaging system? 36:40 - When Applications Crash… 39:24 - Event Sourcing Kafka 44:05 - Fault Tolerance/Failure Cases “Just let it fail” 50:21 - Putting RabbitMQ in Place SchedulingLong Wait vs Short Wait 58:28 - Formatting Your Messages RabbitMQ: Patterns for Applications by Derick Bailey 01:04:13 - “Saga” (Workflow) 01:05:10 - RabbitMQ For DevelopersUse code JSJABBER for 20% off the bundle! Picks W3Schools (AJ)1984 by George Orwell (AJ) The edit button on the MDN page (AJ)[YouTube] W3Schools is just... Better (AJ)The Go Programming Language (AJ)[YouTube] Go Programming: Learn the Go Programming Language in One Video (AJ)hackthe.computer (AJ)Maze Algorithm (AJ)A* Algorithm (AJ)React Rally (Jamison)Web Design: The First 100 Years (Jamison)Evan Czaplicki: Let's be mainstream! User focused design in Elm @ Curry On Prague 2015 (Jamison)Paracord (Chuck)Soto Pocket Torch (Chuck)Exploring ES6: Upgrade to the next version of JavaScript by Dr. Axel Rauschmayer (Derick)Small World (Derick)Star Wars Darth Bane Trilogy (Derick)LEGO Star Wars The Empire Strikes Back Slave I Set #75060 (Derick)Special Guest: Derick Bailey. 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 Juli 20151h 21min

169 JSJ Property-based Testing (QuickCheck) with Zach Kessin

169 JSJ Property-based Testing (QuickCheck) with Zach Kessin

02:20 - Zach Kessin IntroductionTwitter GitHub Zach's BooksParrotJavaScript Jabber: Episode #057: Functional Programming with Zach KessinTesting Erlang With Quickcheck Book04:00 - Mostly Erlang Podcast 05:27 - Property-based Testing (QuickCheck)07:22 - Property-based Testing and Functional Programmingjsverify 09:48 - Pure FunctionsShrinking18:09 - Boundary Cases20:00 - Generating the Data23:23 - Trending Concepts in JavaScript32:33 - How Property-based Testing Fits in with Other Kind of Testing35:57 - Test FailuresPanel Nolan Lawson: Taming the asynchronous beast with ES7 (Aimee) Nodevember (Aimee) Hipster Sound (Jamison) Om Next by David Nolen (Jamison) Gallant - Weight In Gold (Jamison) React Rally (Jamison) Better Off Ted (Joe) Armada: A Novel by Ernest Cline (Joe) Testing Erlang With Quickcheck Book (Zach) Parrot Universal Notification Interface (Zach) The Famine of Men by Richard H. Kessin (Zach)Special Guest: Zach Kessin. 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 Juli 201545min

168 JSJ The Future of JavaScript with Jafar Husain

168 JSJ The Future of JavaScript with Jafar Husain

03:04 - Jafar Husain IntroductionTwitter GitHubNetflixTC3903:29 - The Great Name Debate (ES6, ES7 = ES2015, ES2016!!)05:35 - The Release CycleWhat This Means for Browsers08:37 - Babel and ECMAScript 09:50 - WebAssembly 13:01 - Google’s NACL 13:23 - Performance > Features?ES6 Feature Performance (JavaScript Weekly Article) Features Implemented as Polyfills (Why Bother?)20:12 - TC39 24:22 - New FeaturesDecoratorsPerformance Benefit?28:53 -Transpilers34:48 - Object.observe() 37:51 - Immutable Types 45:32 - Structural Types47:11 - Symbols48:58 - Observables52:31 - Async Functionsasyncawait57:31 - Rapid Fire Round - When New Feature Will Be Released in ES2015 or ES2016let - 15for...of - 15modules - 15destructuring - 15promises - 15default function argument expressions - 15asyncawait - 16Picks ES6 and ES7 on The Web Platform Podcast (AJ) Binding to the Cloud with Falcor Jafar Husain (AJ) Asynchronous JavaScript at Netflix by Jafar Husain @ MountainWest Ruby 2014 (AJ) Let's Encrypt on Raspberry Pi (AJ) adventures in haproxy: tcp, tls, https, ssh, openvpn (AJ) Let's Encrypt through HAProxy (AJ) Mandy's Fiancé's Video Game Fund (AJ) The Murray Gell-Mann Amnesia Effect (Dave) The Majority Illusion (Dave) [Egghead.io] Asynchronous Programming: The End of The Loop (Aimee) Study: You Really Can 'Work Smarter, Not Harder' (Aimee) Elm (Jamison) The Katering Show (Jamison) Sharding Tweet (Jamison) The U.S. Women's National Soccer Team (Joe) mdn.io (Joe) Aftershokz AS500 Bluez 2 Open Ear Wireless Stereo Headphones (Chuck) Autonomy, Mastery, Purpose: The Science of What Motivates Us, Animated (Jafar) Netflix (Jafar) quiescent (Jafar) Clojurescript (Jafar)Special Guest: Jafar Husain. 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 Juli 20151h 17min

167 JSJ TypeScript and Angular with Jonathan Turner and Alex Eagle

167 JSJ TypeScript and Angular with Jonathan Turner and Alex Eagle

02:27 - Alex Eagle IntroductionTwitter GitHubGoogle02:54 - Jonathan Turner IntroductionTwitter GitHubMicrosoft[Talk] Jonathan Turner: TypeScript and Angular 2 @ ng-conf 2015 [Talk] Jonathan Turner: TypeScript and Angular 2 @ Angular U 2015 03:30 - What is TypeScript?04:40 - Google + Microsoft = <3 (Angular Adopting TypeScript)Rob EisenbergAtScriptJonathan Turner: Angular 2: Built on TypeScript07:18 - TypeScript Accommodating AngularTC39Yehuda KatzAurelia 09:28 - Surge of Interest in Adopting a Typechecker, Type System 14:21 - Angular: Creating a New LanguageKilling Off Wasabi - Part 1 (FogBugz Article)traceur16:46 - The Angular 2 Component System and How it Uses New Annotations for Classes18:01 - Annotations and Decorators22:06 - TypeScript and Babel?; Adding New Features25:25 - Non-Angular Users Adopting TypeScriptVisual Studio Code34:55 - Tooling and Setting Modes for Linting and Static Analysis36:58 - Using Libraries Outside the TypeScript Ecosystem38:11 - Type Definition Files40:15 - Content of the Type System43:19 - Duck Typing 45:12 - Getting People to Care about TypeScript 49:16 - The Angular and TypeScript RelationshipPicks f.lux (Aimee) Jafar Husain: Functional Programming in Javascript (learnrx) (Aimee) Startup Timelines (Jamison) Friday Night Lights (Jamison) React Rally (Jamison) Evan Farrer: Unit testing isn't enough. You need static typing too. (Dave) AngularConnect (Joe) ng-click.com (Joe) mdn.io (Joe) Sonic Pi (Chuck) Error Prone (Alex) AudioScope-ng2 (Jonathan) The Nintendo World Championships (Jonathan)Special Guests: Alex Eagle and Jonathan Turner . 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 Juli 20151h 1min

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