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Good financial advisors are knowledgeable about the market, they set realistic expectations for an annual return on your investment, they know when to invest your capital in the market for optimal results, they have candid conversations with their clients about what you have to invest and what your risk appetite is. Most importantly, they don’t push you into making impulsive decisions. They put your financial goals first and they leave you with enough liquidity for the unanticipated times in life when you need more than you budgeted for that month.

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Alexa Von Tobel of Learnvest has an easy to adopt financial practice called the 50/20/30 Rule. It’s a simple, realistic rule of thumb that is easy for anyone to use in their everyday life. The 50/20/30 Rule is a great starting point that recommends that you spend 50 percent  of your salary or income on essentials such as rent, groceries, transportation to and from work and utilities, 20 percent of your income or salary on our future —  your 401K, retirement or investing and that 30 percent should go to whatever you want! This financial rule provides a framework for how to save and accumulate enough money worth investing. It provides an outline for financial discipline and it gives context to what financial success would look like and how much is acceptable to spend splurging on you. It helps you set modest and attainable financial expectations for yourself. You can always exceed expectations and surpass your financial goals once you establish a baseline.

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In short, find a strategy that works for you to reach your financial goals, save your money, and grow your nest egg so that you have money to intelligently invest. Make smarter decisions about your money based on keen professional financial advice, implemented through simple and easy strategies that will help you manage your life and your finances.

Lauren Maillian Bias is the author of the business memoir, “The Path Redefined: Getting To the Top On Your Own Terms.” She is a serial entrepreneur, investor, advisor, and CEO of LMB Group, a strategic marketing company.