All Options Considered is really just Ali and Alison Walker. We do not have professional credentials, and nothing we discuss is intended as professional advice or guidance. For more information please read our Disclaimer.
We’re just regular people, who love to talk about personal finance, and all things money. We love spreadsheets and crunching numbers, and we love talking about money with other people. We used to be very active mentors during our careers, and now that we are retired we want to to keep offering ourselves as mentors and coaches to other people. We want to keep learning about personal finance ourselves. We also want to share our ideas about handling debt, investing, and managing money for other people to consider.
Our parents didn’t talk to us about things like saving and investing when we were kids. We set financial goals for ourselves, and we accomplished those goals as a couple. If you’re like Alison, talking about money might remind you that many people and whole families think talking about money is taboo. If you’re like Ali, talking about money might remind you of money shame around being on welfare or having student loan debt. Secrets and shame are both counterproductive to financial independence and they contribute to limiting beliefs in personal finance.
In 2014 when we first heard about the FIRE movement, we had a hard time finding very many people among the highlighted voices that we could relate to. We were looking for women, people of color, and LGBT+ people to inspire us. The FIRE movement has grown exponentially since then, and today there are many diverse voices offering their ideas and feedback within the FIRE community. We are proud to be among those voices.
Taking control of your money and learning about financial independence can be very inspiring and empowering. Every time someone reaches out to us to talk about personal finance we realize how much we get out of those conversations. Sometimes we have one call with someone. Sometimes we exchange dozens of emails with people. Sometimes we crunch numbers with people. And sometimes we become friends in real life.
If you want to talk to us about money, investing, or setting goals for reaching your own version of financial independence, send us an email at firstname.lastname@example.org. We don’t accept money for our time spent during financial coaching, but we do offer the names of charities we support and really appreciate it when donations are made that help others.
Just Want to Get Started?
If you’re trying to figure out how to position yourself for retirement, or if you just want to get a different view of your current finances and start planning, here’s what we tend to tell people…
Read these books:
- The Psychology of Money: Timeless lessons on wealth, greed, and happiness. By Morgan Housel.
- Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence. By Vicki Robin and Joe Dominguez.
- The Simple Path to Wealth: Your road map to financial independence and a rich, free life. By JL Collins.
- Work Optional: Retire Early the Non-Penny-Pinching Way. By Tanja Hester.
- Quit Like a Millionaire: No Gimmicks, Luck, or Trust Fund Required. By Kristy Shen, Bryce Leung.
Put your goals and plans together in this file:
Plug your numbers into these tools:
And – write your money story!
Some Feedback from Others…
It was so great to meet you. We can’t thank you enough for your time and invaluable advice and coaching. We were blown away by the calculator / spreadsheet you created. We have much to talk about, ponder and work to do, but we’re on our way.Willie’s Great Adventure
Thanks to you, I finally have a financial plan and strategy. I can’t say how much both of you have touched me. You really have. Seeing the spreadsheet really helped me visualize the future.Worldly Woman
Your approach to the complex financial aspects of retirement, money management, FIRE or otherwise, is genius! Thank you both for sharing your experiences and knowledge with us! Sincerely, Forever AOC Fan Girl.Chasing 72′
It was great connecting with you both, and even through Zoom your energy is tangible. I am grateful for the many aha moments our conversation generated, and it will certainly propel us forward. Thank you for being so generous with your time and sharing so freely.DC Money
Thank you for all of the input on getting out of debt! Also, I have really enjoyed bouncing ideas around with you and getting your input on all of my wild thoughts about different jobs and new business ideas I could get into.Run Wild
You have inspired me to start focusing on saving and investing and planning for retirement, and I’m grateful for your input on investment options. I’m also grateful for the inspiration and advice about following my own hopes and dreams.Aussie Gal
Since I last saw you a year ago, I’ve paid off all of the 85k I had in debt and am now at a point where I can save 60%+ of my income. I’ve been getting acquainted with the blogs, books, podcasts, etc in the FI community. If I hadn’t met you, I may have never discovered FIRE. I cannot thank you enough. You helped me discover a path that gives me not only a sense of strength and security, but also joy about the future I’m thoughtfully creating.Single Mom with Rainbow Kid:
My 401k Rate of Return is currently over 17% this year! It’s been fun to watch that gradually get a bit higher since you helped me reallocate funds earlier in the year. We really appreciated chatting with you guys. We’ve somewhat felt lost the past several months with trying to figure out what to do, but it helps talking it out with others. Moving to a new home is what makes the most sense right now, just have to get my heart there. We appreciate all of your advice and help!Two Moms & Two Kids: