This paper provides an externalist account of talk and thought that clearly distinguishes the two. It is argued that linguistic meanings and concepts track different phenomena and have different explanatory roles. The distinction, understood along the lines proposed, brings theoretical gains in a cluster of related areas. It provides an account of meaning change which accommodates the phenomenon of contested meanings and the possibility of substantive disagreement across theoretical divides, and it explains the nature and value of conceptual engineering in (...) a way that addresses recent prominent concerns. (shrink)