It’s ok to talk about money!

We’re Talking Money and sharing what we’ve learned about personal money management and Financial Independence.

About us

We’re Ali and Alison Walker. We met in 2004, became active investors in 2005, married in 2006, reached financial independence in 2017, and retired in 2018. We love spreadsheets and crunching numbers, and we love talking about all things money with other people. READ MORE…


Recent Blog Posts

Our stories explain what we’ve learned about money and how we reached financial independence together. We don’t tell other people what they should do, we’d rather support others in reaching their own unique personal finance goals. READ MORE…

Talking Money with Tom, the Frugal Gay

We’re convinced that when people share their money stories and dive into the emotional side of personal finance that’s a good thing. And that’s why we started our Talking Money series, to make room for others to share their stories. We’re all unique but we can always learn something new about money and life from others! Everyone, […]

The New Inflation Reduction Act Gives Us a 3 Year ACA Crystal Ball!

August was a big month for Congress and Biden when it comes to passing significant bills. The one we were watching closely was finally signed into law as the Inflation Reduction Act, also known as the “IRA,” which is a little confusing since that acronym is already taken by our retirement accounts. Of course Biden […]

Talking Money with Stephanie and Gillian from Our Freedom Years

We’re convinced that when people share their money stories and dive into the emotional side of personal finance that’s a good thing. And that’s why we started our Talking Money series, to make room for others to share their stories. We’re all unique but we can always learn something new about money and life from others! Everyone, […]


Posts We Love

Allocation Strategies (Part 5: Allocation and Rebalancing)

Wow, time really does fly by! It’s been a minute since I finished Part 4 in this allocation strategies series, focused on efficient fund placement. But I have a surprise for you! Since we’ve reached Part 5 of this series it’s time for me to give you all a new tool to use on your […]

Allocation Strategies (Part 1: Money Jobs and Budgeting)

Every year in May we review our portfolio and take care of any major rebalancing that’s needed including changing, adding, or dropping funds. During our first full calendar year in retirement as May rolled around and it was time to rebalance we couldn’t find tools that worked the way we wanted without buying a subscription. […]

News From the AOC Compound

Somewhere back in our ancient history (around 2014?) we started dreaming with a close friend about building a queer compound. For this post we’ll try to protect our friend’s anonymity and call him Markus. We’ve probably had the “queer compound conversation” with all of our closest friends over the years, but with this one friend […]

What’s Your Why for FI?

In the FIRE community one question that gets asked all the time is, what’s your why for FI? We each have our own motivation to change our approach to life and money and stop following the pack. Shortly after Ali and I made that decision in June of 2017 I asked Ali this question, “Why […]

Avoiding the RMD Cliff

While we were still working our W-2 jobs I asked the experts questions like “Should I invest more in my 401k, or my Traditional IRA, or my Roth? Should I focus more on one account over another?” And the response was always “Well it depends on what your tax bracket will be in the future […]

Outline Your Goals in a Personal Money Statement

Ask Yourself – Can We Go It Alone? We have been managing our own investments and money for a while now. It has definitely taken us some time (years) to build the confidence we needed to go it alone. The process became much easier for us once we found all the amazing information online from […]