Mastering this skill is the ‘hardest part’ of personal finance, advisors say

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Being a 'master of cash flow' is an important foundational step households should consider addressing before they invest.

What does mastering that skillset mean? It's a two-pronged concept: Knowing what it costs to fund your lifestyle and understanding what you can consistently save and invest, said Boneparth, president of Bone Fide Wealth and a member of CNBC'sOften, people are too quick to invest without having this foundation, he said., "what good is investing if you can't stay invested?" Boneparth said.

Without discipline around cash flow, an unforeseen life event may arise that causes you to dip into those investments that you'd hoped not to touch for years, he added., they can set and prioritize measurable goals: building an emergency cash reserve and saving for retirement, a down payment or a child's college education, for example, Boneparth said.Here are more FA Council perspectives on how to navigate this economy while building wealth.

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