The perennial question of the nature of natural-language understanding has received renewed attention in recent years. Two kinds of natural-language understanding, in particular, have captivated the interest of philosophers: linguistic understanding and utterance understanding. While the literature is rife with discussions of linguistic understanding and utterance understanding, the question of how the two types of understanding explanatorily depend on each other has received relatively scant attention. Exceptions include the linguistic ability/know-how views of linguistic understanding proposed by Dean Pettit and Brendan (...) Balcerak Jackson. On these views, to tacitly linguistically understand a sentence just is to possess the linguistic ability/knowledge-how needed to derive/infer what is said by different utterances of the sentence. Despite their focus on linguistic understanding, both views can straightforwardly explain utterance understanding as the output of a derivation/inference from a representation of the sentence uttered. Here, I take issue with these approaches to utterance understanding and then develop an alternative. More specifically, I distinguish two kinds of utterance understanding, experiential and doxastic, and then argue that experiences of what is said by utterances play distinct rational roles in the two kinds of utterance understanding. I conclude by addressing a recent challenge to my proposal. (shrink)