On the money: figuring out how much cash you really need to start your business

Entrepreneur, Sept, 1998 by Bob Weinstein

These advisors should include a CPA, an attorney and a few entrepreneurs with backgrounds in all aspects of the start-up experience.

A financial advisor offers tips for both saving and making money. For example: "No matter how limited their working capital and reserves, [entrepreneurs] should maintain both a checking and an interest-generating market account," says Jones-Price.

It's a commonly used tactic of midsized and large companies. "It may not translate into enormous amounts in the early years," Jones-Price explains, "but if you keep sweeping money into a money market account, one day you'll have a substantial nest egg that can be used to build your business."

Bob Weinstein is the author of 10 books and is a frequent contributor to national magazines.