4.0

As someone who is always reading about personal finance this one was an immediate grab for me. I found so many of the thirteen items helpful to think about. There are items for everyone in here. For example I do not need the saving for college or my kids college but the saving for you parents old age section did prompt me to ask my parents about how they were set. There are lots of great ideas and what is nice is the appendix that comes with a list of the things you should do and how often. I highly recommend (even for those smart people who do not think they need the help).