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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166 JSJ New Relic with Wraithan and Ben Weintraub

166 JSJ New Relic with Wraithan and Ben Weintraub

02:27 - Coding House Scholarship Winners with AJ and AimeeEmily Dreisbach (50% scholarship winner)Blake Gilmore (50% scholarship winner)Berlin Sohn (100% scholarship winner)Congratulations from the panelists of JavaScript Jabber! 09:48 - Ben Weintraub IntroductionTwitter GitHub10:40 - Wraithan IntroductionTwitter GitHub Blog11:01 - Why Care About Monitoring?Insights13:08 - Mixedpanel 13:57 - How it Works on the BackendTime-series DataMySQLstatsdTracesS3CassandraInsights17:26 - New Relic’s CEO: Lew Cirne 18:37 - How the Node Agent WorksExpress.js Specifics    Transactions and Controller NamesDatabase MonitoringMongoDBOracle Support23:27 - Deciding Which Databases to SupportPostgres26:41 - Browser Monitoring32:54 - Using Zombie.js?34:11 - Tree of Causality Track.js 39:37 - Monetizing Aspect, Viewable Source/Source Available Code47:28 - PerformanceCodeGenmraleph Blog v8-perfBenchmarkingjsPerf01:00:53 - New Relic@newrelicNew Relic Blog New Relic Community ForumPicks mraleph Blog (Wraithan) v8-perf (Wraithan) The Dear Hunter: A Night on the Town (Jamison) React Rally (Jamison) caddy (AJ) Windows 10: Setup your Raspberry Pi 2 (AJ) Remote debugging protocol (Ben) Chrome Dev Tools Filmstrip View (Ben)Special Guests: Ben Weintraub and Wraithan . 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 Juli 20151h 4min

165 JSJ ShopTalk with Chris Coyier and Dave Rupert

165 JSJ ShopTalk with Chris Coyier and Dave Rupert

02:43 - Dave Rupert IntroductionTwitter GitHub BlogParavel03:42 - Chris Coyier IntroductionTwitter GitHub BlogCSS-Tricks CodePen 06:24 - The ShopTalk Show and Podcasting@shoptalkshow“What do I learn next?” => “Just Build Websites!”Question & Answers Aspect23:19 - Tech Is A NichePaul Ford: What is Code? 29:51 - Balancing Technical Content for All Levels of ListenersCommunity Opinion38:42 - Learning New CSS Tricks (Writing Blog Posts)Code Golf41:54 - The Accessibility Project Adventures in Angular Episode #027: Accessibility with Marcy Sutton Anne Gibson: An Alphabet of Accessibility Issues 56:02 - Favorite & Cool EpisodesShowTalk Show Episode #091: with Jamison Dance and Merrick Christensen ShopTalk Show Episode #101: with John ResigShopTalk Show Episode #157: with Alex Russell  ShopTalk Show Episode #147: with Tom Dale ShopTalk Show Episode #123: Special Archive Episode from 2004 ShopTalk Show Episode #166: with Lisa IrishShopTalk Show Episode #161: with Eric Meyer Picks FIFA Women's World Cup (Joe) Winnipeg (Joe) The Martian by Andy Weir (Joe) Zapier (Aimee) SparkPost (Aimee) dev.modern.ie/tools/vms (AJ) remote.modern.ie (AJ) Microsoft Edge (AJ) StarFox Zero for Wii U (AJ) Hot Plate (AJ) untrusted (AJ) Skiplagged (Dave) Judge John Hodgman (Dave) Wayward Pines (Chris) Sturgill Simpson (Chris) The Economic Value of Rapid Response Time (Dave) The Adventure Zone (Dave) React Rally (Jamison) Matsuoka Shuzo: NEVER GIVE UP (Jamison) DESTROY WITH SCIENCE - Quantum Loop (Jamison) Serial Podcast (Chuck) Ruby Remote Conf (Chuck)Special Guests: Chris Coyier and Dave Rupert. 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.

24 Juni 20151h 15min

164 JSJ Rendr with Spike Brehm

164 JSJ Rendr with Spike Brehm

Get your Ruby Remote Conf tickets and check out the @rubyremoteconf Twitter feed for exciting updates about the conference. 02:22 - Spike Brehm IntroductionTwitter GitHubBlogAirbnb@airbnb@airbnbnerds03:07 - rendr Isomorphic JavaScriptSingle-Page ApplicationRoutes and Controllers06:24 - Why the back and forth between server-side and client-side applications?Rendering Content for SEO (Search Engine Optimization)Spike Brehm: Building Isomorphic Apps @ JSConf.Asia 2014 (Video) Spike Brehm: Building Isomorphic Apps @ JSConf.Asia 2014 (Slides)Spike Brehm: The Evolution of Airbnb's FrontendCaching20:28 - Tools That HelpBrowserifywebpackset-cookie22:21 - Why do this? Who gets statically and dynamically rendered pages?Airbnb Mobile HydrationReactVirtual DOMDiffingDelegation30:26 - DOM and String-based TemplatingHandlebars.jsExpress.jsMounting33:11 - Use CasesMeteorAsana36:08 - Why does Isomorphic JavaScript get so much hate?Charlie Robbins: Scaling Isomorphic Javascript Code Michael Jackson: Universal JavaScriptPicks The Paleolithic Diet (Aimee) Programming Throwdown (Aimee) Listen to other people’s views (Chuck) AJ O'Neal: Access web pages through your home network via SSH (AJ) AJ O'Neal: Reverse VPN: turn any private device into public cloud server (AJ) Alt (Spike) Tame Impala (Spike)Special Guest: Spike Brehm. 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.

17 Juni 201554min

163 JSJ Flow with Jeff Morrison and Avik Chaudhuri

163 JSJ Flow with Jeff Morrison and Avik Chaudhuri

03:32 - Jeff Morrison IntroductionTwitter GitHubFacebook03:46 - Avik Chaudhuri IntroductionTwitter GitHub LinkedInFacebook04:27 - Flow @flowtype [GitHub] flow05:36 - Static Type CheckingDynamic vs Static Type Languages09:52 - Flow and Unit TestingJest12:39 - Gradual Typing 15:07 - Type Inference 17:50 - Keeping Up with New Features in JavaScriptBabel20:49 - Generators24:46 - Working on Flow28:27 - Flow vs TypeScriptInference SupportTony Hoare: Null References: The Billion Dollar Mistake35:41 - Putting the “Java” Back in JavaScriptServer/Client OverviewPrototyping45:26 - Flow and the JavaScript Community46:43 - React Support48:39 - Documentationgh-pages (link to the docs)IRC Channel for Flow: #flowtype on webchat.freenode.netPicks Nolan Lawson: We have a problem with promises (Aimee) Jim 'N Nick's BBQ Restaurant (Aimee) Frank McSherry: Scalability! But at what COST? (Jamison) Frank McSherry: Bigger data; same laptop (Jamison) Greg Wilson: What We Actually Know About Software Development, and Why We Believe It's True (Jamison) Marron: Time-Travel Debugging for JavaScript/HTML Applications (Jeff) Real World OCaml (Jeff) Muse (Jeff) Shtetl-Optimized (Avik) Chef's Table (Avik)Special Guests: Avik Chaudhuri and Jeff Morrison. 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.

10 Juni 20151h 2min

162 JSJ ESLint with Jamund Ferguson

162 JSJ ESLint with Jamund Ferguson

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3 Juni 201558min

161 JSJ Rust with David Herman

161 JSJ Rust with David Herman

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27 Maj 20151h 5min

160 JSJ Stormpath with Robert Damphousse

160 JSJ Stormpath with Robert Damphousse

02:24 - Robert Damphousse Introduction02:40 - OAuthOpenIDJWT07:15 - Stormpath@gostormpath[GitHub] StormpathBlog08:38 - Authorization Information Storage11:29 - Stormpath Authentication vs OAuth AuthenticationResource Owner Password Credentials Grant14:43 - Caching 15:41 - Building Backends as a Service?18:21 - Security19:12 - Using CassandraStormpath in Planet Cassandra: 50k Accounts Imported in Under 200ms20:27 - Use Cases22:27 - Authentication as a Service 23:40 - 2FA (Two Factor Authentication)?24:07 - REST APIsLaunch a SaaS – and Battle Your Robot – With Stormpath25:39 - Making Complete AppsFullContactFirebase26:33 - Security (Cont’d)27:34 - In-Between Layer (Authentication API)28:40 - Browser-Based vs Mobile Application Use29:44 - Angular, React, Flux, 32:02 - React Native?33:05 - Stormpath Life Expectancy35:09 - Customers36:12 - Active Directory, LDAP (Lightweight Directory Access Protocol) 37:05 - Support and PricingPicksPutting the "fun" back in "funeral"! Celebrating the death of old IE browsers on January 12! (Dave) Giant Star Wars LEGO Super Star Destroyer Shattered at 1000 fps | Battle Damage (Dave) GitLab (Dave) Allen Pike: JavaScript Framework Fatigue (Aimee) The Cult of Work You Never Meant to Join (Aimee) Serial (AJ) HotPlate (AJ) Design Patterns in C (AJ) OAuth3 (AJ) JS Remote Conf Videos (Chuck) Ruby Remote Conf (Chuck) Traction: Get a Grip on Your Business by Gino Wickman (Chuck) Startups For the Rest of Us (Chuck) The Guest House: A Poem (Robert) The Hiring Post (Robert) Front-end Job Interview Questions (Robert)Special Guest: Robert Damphousse. 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 Maj 201550min

159 JSJ Why JavaScript Is Hard

159 JSJ Why JavaScript Is Hard

02:54 - Everyone Gets It But MeMartin Fowler04:06 - Tools You “Need” to Know06:29 - Clojures07:39 - JavaScript as “Object-Oriented” vs “Event-Oriented”Object-Oriented Programming09:30 - Code That Can’t Be Serialized or Deserialized10:49 - Clojures (Cont’d)14:32 - The DOM (Document Object Model)[YouTube] Angular + React = Speed by Dave Smith @ ng-conf 201519:52 - Math Is HardIEEE754 (Floating-Point Arithmetic)22:39 - PrototypesSebastian Porto: A Plain English Guide to JavaScript Prototypes 25:43 - Asynchronous ProgrammingDebuggingGregor Hohpe: Your Coffee Shop Doesn’t Use Two-Phase Commit How Do You Learn It?32:23 - Browser Environments34:48 - Keeping Up with JavaScript35:46 - NodeNestingContext Switching42:48 - UTF-8 Conversion44:56 - Jamison’s StackReactKoa    RethinkDBio.jsWebpackCheck out and sign up to get new on React Rally: A community React conference on August 24th and 25th in Salt Lake City, Utah!Picks Jason Orendorff: ES6 In Depth (Aimee) Cat Strollers (Aimee) Stephano Legacy of the Void (Joe) A Gentleman's Guide to Love and Murder (Joe) Gregor Hohpe: Your Coffee Shop Doesn’t Use Two-Phase Commit  (AJ) Firefox OS (AJ) Flame (AJ) OpenWest 2015 (AJ) 801 Labs Hackerspace (AJ) Stack Overflow Careers (AJ) Dota 2 (Jamison) Beats, Rye & Types Podcast (Jamison) JS Remote Conf Talks (Chuck) Workflowy (Chuck) 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 Maj 201558min

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