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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Overcoming JavaScript Load Issues: Import Maps and Performance Enhancements - JSJ 643

Overcoming JavaScript Load Issues: Import Maps and Performance Enhancements - JSJ 643

In this episode, they dive deep into the intricate world of JavaScript loading and web performance. Join the panel with insightful discussions led by Dan, Charles, Steve, and special guest Yoav Weiss—an expert with extensive experience in web performance from his time at Google, Akamai, and Shopify.They explore the latest initiatives aimed at improving ES modules, import maps, and the challenges faced with script loading, especially when dealing with web workers. They uncover the critical role of sub-resource integrity, the successful integration of integrity support in Chrome and Safari, and the urgent need for advanced import map solutions for large applications.They also delve into the nuts and bolts of optimizing web performance, including the impact of script execution on browser responsiveness, bundling techniques, and innovative strategies for managing resource download priorities. Tune in to hear about the latest developments, engage with provocative questions, and discover ways you can contribute to the ongoing work of the W3C web performance working group. Plus, stay for heartfelt moments, personal anecdotes, and practical recommendations from the speakers.  SponsorsWix StudioSocialsLinkedIn: Yoav WeissPicksAJ - Jason Bourne 5-part TrilogyAJ - Crucial MX500 has dethroned SP as my pick for best value server SSDCharles - Imaginiff | Board GameCharles - A Quiet Place: Day One (2024)Steve - How Does OpenAI Survive?Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

8 Aug 20241h 35min

Personal Branding for Developers with Morad Stern - JSJ 642

Personal Branding for Developers with Morad Stern - JSJ 642

The JSJ panel talks with Morad Stern from Wix about personal branding; what it is, why it’s important for developers, and how to build it.LinksObama asks America to learn computer scienceConfiguring Apache Solr Multi-core With Drupal and Tomcat on Ubuntu 9.10PicksAJ - War Stories | How Crash Bandicoot Hacked The Original PlaystationAJ - Crash Bandicoot Co-Creator Andy Gavin: Extended Interview | Ars TechnicaAJ  - The Story of Spyro the Dragon | Gaming HistorianAJ  - Utah Node.js: Scaling Node.js at PlaidSteve  - Six13 Uptown Passover - an "Uptown Funk" adaptation for PesachDan  - Scott LynchMorad  - This Is Marketing: You Can't Be Seen Until You Learn to See: Seth GodinBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

30 Juli 202451min

Making AI Accessible for Developers - JSJ 641

Making AI Accessible for Developers - JSJ 641

In this captivating episode, they dive deep into the world of AI, hands-on learning, and the evolving landscape of development with Steve Sewell from Builder.io. They explore the misconceptions about needing deep AI expertise to build AI products and highlight the importance of rapid iteration and practical experience. They discuss everything from the financial implications of AI, and strategies to manage cost and value, to the innovative tools like MicroAgent that are shaping the future of code generation and web design. Steve shares his insights on optimizing AI use in development, the rapid advancements in AI capabilities, and the critical role of integrating AI to enhance productivity without the fear of replacing jobs. Join them as they unravel the complexities of AI, its real-world applications, and how developers can leverage these powerful tools to stay ahead in a competitive market. Plus, stay tuned for personal updates, user interface innovations, and a glimpse into the future of AI-driven design processes at Builder.io.SocialsLinkedIn: Steve SewellPicksCharles - Mysterium | Board GameCharles - TrainingPeaks | Trusted By the World's BestSteve - Introducing Micro AgentSteve - BuilderIO/micro-agentBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

23 Juli 20241h 25min

Framework Comparisons, Real User Metrics, and Effective Performance Tools - JSJ 640

Framework Comparisons, Real User Metrics, and Effective Performance Tools - JSJ 640

In today's episode, they dive deep into web performance optimization and the strategies employed by our expert panel to achieve it. Join Dan, Steve, Charles, and guest Vinicius Dallacqua as they explore robust techniques like code splitting, lazy loading, and server-side solutions to enhance website performance.In this episode, you'll hear Vinicius discuss his experiences with different benchmarking frameworks and innovative optimization strategies, including how he improved performance for the Prometheus client for Node. They delve into the importance of performance metrics, data analysis, and real user monitoring (RUM) tools. They underscore the need for precise measurements before and after optimizations and share insights on overcoming the challenges posed by third-party integrations.Hear about practical tools like Partytown and Lighthouse, and how companies like NEXX Insurance have achieved significant performance gains. The conversation also touches on the critical balance between backend performance, CDNs, and frontend optimizations, alongside recommendations for engaging management to prioritize performance enhancements.Plus, for a bit of fun, our episode includes some light-hearted "Dad jokes of the week" and book recommendations around TypeScript and AI. SocialsLinkedIn: Vinicius Dallacqua PicksCharles - Take 5 | Board GameDan - Total TypeScriptSteve - Warp: Your terminal, reimaginedVinicius - Watch Sweet Tooth | Netflix Official SiteBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

16 Juli 20241h 19min

Adapting to Effect Cluster: JavaScript Developers' Guide to Enhancing Code Maintainability - JSJ 639

Adapting to Effect Cluster: JavaScript Developers' Guide to Enhancing Code Maintainability - JSJ 639

In today's episode, they dive deep into the world of JavaScript and TypeScript. They explore the innovative message-passing style between components using Effect Cluster, a game-changing alpha product that integrates seamlessly with solutions like Remix and React Server Components.Join them as Michael sheds light on the ease of transitioning TypeScript developers familiar with frameworks like React and Svelte to Effect, thanks to JavaScript’s component-based mindset and features similar to async/await. They also talk about the role of TypeScript and Effect in ensuring code maintainability and correctness amidst legacy JavaScript at Sisense.As they navigate through topics like performance optimization, multithreading in JavaScript, and backend development,  discover how the Effect framework simplifies testing, enhances type inference, and boosts code stability. Plus, they touch on coding challenges, error handling, and the importance of proper monitoring with tools like OpenTelemetry.But it's not all code! They share fun anecdotes from personal experiences with go karting, discuss the NBA draft, and even delve into some light-hearted humor with dad jokes and comedic analogies. This episode is packed with insights, laughter, and invaluable advice for developers and tech enthusiasts alike.Tune in now for a comprehensive discussion filled with expert knowledge, practical tips, and community insights, exclusively on Top End Devs!SocialsLinkedIn: Michael Arnaldi Twitter: @MichaelArnaldiPicksAJ - MSF Basic Rider CourseAJ - Alpine MotoSafe Wind Noise Ear PlugsDan - Pillar of Fire | Episode 1Dan - Pillar of Fire | Episode 2Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

9 Juli 20241h 35min

Building and Distributing PWAs: Tools, Techniques, and Insights - JSJ 638

Building and Distributing PWAs: Tools, Techniques, and Insights - JSJ 638

In today's episode, they delve into the fascinating world of mobile web development with our esteemed guest, Maximiliano Firtman, a seasoned web developer from Buenos Aires, Argentina, who has over two decades of experience.Join them as Maximiliano takes you on a journey through the evolution of web and mobile development, starting from the early days of pure HTML and classic ASP, progressing through the milestones of Perl, PHP, and eventually into the realm of mobile technologies. He provides an insightful look at how mobile development has transitioned from early platforms like WML and BlackBerry to the modern era of Progressive Web Apps (PWAs).Together with Steve, they unpack the benefits and challenges of bringing the open web into the mobile space, discuss the impact of mobile performance on user experience, and explore various tools and best practices for developing efficient, fast-loading PWAs. From understanding the role of service workers and web manifests to exploring innovative APIs and caching methods, this episode is packed with invaluable knowledge for any developer aiming to enhance their mobile web development skills.Whether you're interested in optimizing web performance, getting hands-on with PWAs, or curious about the future of mobile app distribution, this episode has something for everyone. Tune in now to uncover actionable insights and expert advice on staying ahead in the ever-evolving landscape of mobile web development.SocialsLinkedIn: Maximiliano FirtmanFirt.DevPicksMaximilliano - llama-cliSteve - The ClubBecome a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

2 Juli 202437min

High-Performance Networking: Key Resources and Tools for Web Developers - JSJ 637

High-Performance Networking: Key Resources and Tools for Web Developers - JSJ 637

Robin Marx is a Web Protocol and Performance Expert at Akamai. They dive deep into the fascinating world of networking performance, where experts share invaluable resources and insights to optimize your web development projects. The speakers recommend essential tools and books like "High-Performance Browser Networking" by Ilya Grigorik and Barry Pollard's work on HTTP 2, and they dissect the nuances of modern web protocols such as HTTP 2 and HTTP 3. Special guest Robin Marx joins us to unveil the complexities of networking, emphasizing the importance of understanding how your server and browser interact to maximize efficiency.But it's not all technical; they also share some lighter moments. Discover TV shows like Netflix’s "Eric" and "Criminal Minds Evolutions," explore engaging articles from Big Think, and indulge in some geeky humor with a segment of dad jokes. Whether you're tuning in for professional insight or just some good old tech banter, this episode has something for everyone.SocialsLinkedIn: Robin MarxPicksCharles - Skyjo | Board GameCharles - Criminal MindsDan - Watch Eric | Netflix Official SiteRobin - We Are Legion (We Are Bob)Robin - HadesSteve - Is the Universe Finite or Infinite?Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

25 Juni 20241h 22min

Transforming React Development: The Experimental Compiler’s Approach to Memoization and Performance - JSJ 636

Transforming React Development: The Experimental Compiler’s Approach to Memoization and Performance - JSJ 636

In this episode, they dive deep into the latest advancements in React with a special focus on the experimental React Compiler. Our guest speakers, Sathya Gunasekaran and Joe Savona, share their insights on how this cutting-edge tool aims to enhance performance and streamline development without disrupting existing code. They explore the goals of the React Compiler, including auto memoization, linting, and runtime optimizations, and how it plans to minimize unnecessary DOM updates. This is an in-depth discussion on subjects like referential equality, the complexities of memoization, API improvements for useEffect, and the compelling debate about whether React should introduce signals as a TC39 standard. Additionally, they discuss the potential transition for existing projects, the importance of community feedback, and the intriguing differences between React’s approach to UI as a function of state versus the signal-based model.Stay tuned to learn about the future of React, the practical benefits of the new compiler, and the ongoing experiments that could shape how we write and optimize JavaScript with React.SocialsLinkedn: Sathya GunasekaranPicksAJ - webinstall.devDan - Godzilla Minus One (2023)Become a supporter of this podcast: https://www.spreaker.com/podcast/javascript-jabber--6102064/support.

18 Juni 20241h 29min

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