I rated it 4.5 because I'm not a writer and figure that it probably isn't perfect but from my perspective, I thought it was great!I thoroughly enjoyed "Living a Balanced Financial Life".It shows the wisdom of God's Word and how it brings blessing to a person's life. I appreciated the personal application at the end of each chapter. There was a lot of practical and educational information that can help people with their finances. Some of those are the guideline for establishing a workable budget, how to use a credit card wisely and also the dangers of using a credit card. I would highly recommend this book which is in a workbook format. It would be great to use individually or in a group setting.