Rich people have always been able to afford to pay for the best financial advice available. That is part of the reason why they stay rich and the rest of us struggle to get by. But even without expensive advisors, lawyers and accountants, there is some simple financial advice we can all take advantage of.

Allison Schrager recently shared her personal finance manifesto on Quartz. It is a 5-point plan to get your finances on track, with step-by-step actions we all can take to move in the right direction.

Step One: Set Goals and Get Risk Right. This step is all about defining individual financial success, both now and in the long-term. To learn how, and get all five steps in the plan, read the full article.

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