MONEY Tips from the Pros

WATCH: Tips From the Pros: The Secret to Financial Success

Financial experts reveal the one thing you must do to build wealth.

In this series of Tips from the Pros, MONEY taps the collective wisdom of expert financial planners.

The secret to financial success lies in how much money you spend and how much money you save over the course of your career. If you budget properly and live within or below your actual means, you will see a positive cash flow that will allow you to determine what you can afford so that you don’t reach to high and fall. A positive cash flow will allow you to build your assets so that you can live comfortably later on.

Featured Advisers:

Erika Safran Safran Wealth Advisors

Benjamin Sullivan Palisades Hudson Financial Group

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