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$339,000
4 Beds ⋅ 2 Baths ⋅ 10653422 MLS
Welcome to 1604 Myrtle Ave! This updated home offers a fresh, move-in-ready interior with thoughtful improvements throughout. The kitchen features granite countertops and new appliances, providing a clean and functional space for everyday living and entertaining. Updated bathrooms and refreshed flooring throughout add to the home's modern appeal. A converted garage provides additional versatile living space that can accommodate a variety of uses. Step outside to a spacious backyard offering plenty of room for outdoor activities, entertaining, gardening, or creating your own outdoor retreat. Conveniently located in Chesapeake with access to shopping, dining, major roadways, and area amenities. Schedule your private showing today!

1604 Myrtle Avenue, Central Chesapeake
$399,900
4 Beds ⋅ 2 Baths ⋅ 10653565 MLS
TWO HOMES FOR THE PRICE OF ONE! Rare opportunity at 12375 & 12377 Dogwood Trail! Nestled on 6.62 acres, these two move-in-ready homes are on the same tax map ID and offer so many possibilities multi-generational living, extended family, guests, or potential rental income! The first home, built in 2007, features 2 bedrooms, 1 bath, replaced HVAC, and an encapsulated crawl space. The second home, built in 2018, offers 2 bedrooms, 1 bath, and a large pull-down attic with plenty of storage. All appliances convey with both homes. Enjoy peaceful country living with NO HOA and approximately 1 mile from the Piankatank River! Both homes share a septic system. Live in one and rent the other, keep family close while still having separate living spaces, or take advantage of the flexibility two homes can offer. Two homes + 6.62 acres = one incredible opportunity! Come see everything this unique property has to offer!

12375 Dogwood Trail, Gloucester West
$523,930
4 Beds ⋅ 2.1 Baths ⋅ 10653564 MLS
Experience the perfect blend of style and flexibility in this 4-bedroom, 2.5 bath home. The first floor boasts seamless transitions between the study, great room, sunroom and spacious eat in kitchen. Private family entry with built in bench is just off the kitchen leading to the 2-car garage. The second floor has a loft conveniently located near secondary bedrooms, a full bath and laundry room. The primary suite located at the back of the home, creates an oasis for its new owners outfitted with a large walk-in closet and an en-suite. Additional highlights include a tankless hot water heater. Community amenities include a seasonal pool, fitness center and dog park. Photos are of similar home and may show upgrades.

1010 Bennett's Arch, Northeast Suffolk
$275,000
3 Beds ⋅ 1 Baths ⋅ 10653486 MLS
Charming Churchland Ranch with major updates already completed! This 3 bedroom, 1 bath home offers comfortable living with a spacious fully fenced yard, newly painted deck and storage shed. The outdoor space provides room to relax, entertain, garden, or enjoy your own private retreat. Recent improvements within the past five years includes the roof, HVAC system, vinyl siding, and plumbing beneath the house, providing added value and peace of mind. Inside you'll find a practical layout ready for its next owner to make it their own. Conveniently located near shopping, dining, schools, military installations, and major roadways, this home offers easy access to everyday amenities. Whether you are searching for a first home, looking to simplify, or considering an investment property, 5208 W Norfolk Road is worth the look. Schedule your showing today!

5208 W Norfolk Road, Northwest Portsmouth
$349,900
3 Beds ⋅ 2 Baths ⋅ 10653562 MLS
Welcome to 213 Beach Rd located in Fox Hill. This beautifully updated home blends modern comfort with coastal charm. Just moments from Grandview, Buckroe Beach, Fort Monroe, Langley AFB, and local shopping. This home has been well cared for with new roof, siding and windows in (2017), Bathroom remodel upstairs (2019) and brand new shower downstairs. New flooring downstairs (LVP/carpet) and water heater in (2023), new appliances, and more upgrades throughout. Enjoy outdoor living with your fully fenced backyard and shed (2018) with connecting patio added in (2024). The new driveway added in 2024 comes complete with **E/V Tesla Charger** Whether relaxing indoors or exploring the nearby waterfront, this beauty is move-in ready. The only thing missing is you!

213 Beach Road, Hampton East
$349,900
3 Beds ⋅ 2.1 Baths ⋅ 10653560 MLS
A MECHANICS DREAM HOME! 484 SQ FT DETACHED GARAGE WITH REINFORCED STEEL BEAM FOR ENGINE LIFT. EXTRA TALL CEILING HEIGHT FOR INSIDE BOAT/CAMPER WORK. MACHINE SHOP. DETACHED MOTORCYCLE SHED. LOVELY 3 BEDROOM & 2 BATH HOME IN WONDERFUL BEACH COMMUNITY.

1623 Croyden Road, North Norfolk
$575,000
4 Beds ⋅ 2.1 Baths ⋅ 10653553 MLS
Welcome to 209 Mill Stream Way, a spacious brick home in Settlers Mill with a layout that makes everyday living easy. Just off the foyer is a formal dining room, while the family room features a fireplace, built-in shelving, and plenty of space to gather. The kitchen is well equipped with generous cabinet and counter space, a center island, stainless steel appliances, pendant lighting, and a bright breakfast nook with windows overlooking the backyard. Three bedrooms are located on the main level, including the primary suite with a private bath and walk-in closet. The finished room over the garage serves as the fourth bedroom and also works well as a guest room, office, playroom, or media space. Out back, the deck overlooks a large fenced yard surrounded by mature trees, giving you plenty of room to entertain, relax, or enjoy the outdoors. There is also a detached storage shed for added convenience, and the backup generator is a great bonus when you need it most. 209 Mill Stream Way offers a comfortable layout, plenty of space, and a backyard you can really enjoy.

209 Mill Stream Way, James City Co Greater Jamestown
$349,950
3 Beds ⋅ 2 Baths ⋅ 10653558 MLS
Charming 3 bedroom ranch situated on a quiet cul-de-sac close to everything you need. Step inside to a bright, open great room with cathedral ceilings, fresh paint, and beautiful new flooring throughout. The newly updated kitchen shines & offers a perfect space for cooking and entertaining- Gorgeous & modern tiled bathrooms. Outside, enjoy a spacious backyard complete with privacy fencing, providing an ideal setting for relaxing, gardening, or family gatherings. An attached garage + additional storage shed provides plenty of room for all your extras. Beautifully updated & ready to welcome its new owners!

857 Dryden Street, South Central 2 Virginia Beach
$380,000
3 Beds ⋅ 2.1 Baths ⋅ 10653557 MLS
Beautiful Single Family Condo in the heart of Great Bridge/Grassfield! New Roof, A/C Unit & Deck (Over 30k in upgrades). 1st floor Primary Bedroom, soaring ceiling in great room, Eat-In-Kitchen, dining room, 2 bedrooms and full Bath on the 2nd floor. Better Hurry!

1216 Club Point Drive, South Chesapeake
$307,000
3 Beds ⋅ 2.1 Baths ⋅ 10653540 MLS
Welcome to this charming ranch-style single-family home offering 3 bedrooms and 2.5 baths. With over 1,700 square feet of living space, this property offers plenty of potential for the buyer looking to bring their vision to life. The home needs TLC and is an excellent opportunity for renovation-minded buyers, investors, or those looking to customize a home to their own taste. Conveniently situated on a generous lot with room to create your ideal outdoor space. Bring your ideas and unlock the potential this property has to offer! Call for more information and to schedule your tour!

2209 Hilton Court, Central Chesapeake
$219,900
3 Beds ⋅ 1 Baths ⋅ 10653537 MLS
Renovated Jefferson Park Gem - Move-In-Ready with Major UpgradesBack on the market after major system replacements! This move-in-ready, newly renovated 3-bedroom, 1-bath home in Jefferson Park is ready for its new owner. It offers stylish upgrades, new stainless steel appliances, a refreshed interior, and an open-concept layout that delivers comfort and value. The HVAC, roof, and flooring were all replaced within the last two years, providing peace of mind for years to come. Conveniently located just minutes from I-664, I-64, the Monitor-Merrimac Bridge-Tunnel, HBT, and Huntington Ingalls Shipyard, this home offers unmatched accessibility for work and daily travel.

637 44th Street Street, Newport News South
$270,000
3 Beds ⋅ 2 Baths ⋅ 10653535 MLS

114 Franklin Street, Central Suffolk
$850,000
4 Beds ⋅ 3.1 Baths ⋅ 10653491 MLS
Welcome to 105 Thomas Brice, a beautifully appointed two-story classic home nestled within Williamsburg’s highly sought-after, gated Kingsmill community. Set on a picturesque 0.46-acre, tree-lined, corner lot, this spacious 3,288-square-foot residence offers four generously sized bedrooms and 3.5 baths, thoughtfully designed for comfortable everyday living and effortless entertaining. Inside, a traditional floor plan is enhanced by abundant natural light and inviting architectural details. The spacious kitchen offers plentiful cabinetry and flows seamlessly into a large breakfast room highlighted by a dramatic vaulted ceiling. At the heart of the living space, a custom masonry fireplace creates a warm and welcoming focal point. A sun-filled sunroom provides a peaceful retreat overlooking the private backyard, where mature trees and abundant greenery create the feeling of a secluded bird sanctuary with direct access to the fenced side yard. Upstairs, the expansive primary suite is a true retreat, featuring beautiful wood floors, a vaulted ceiling, and a spacious sitting room. Two additional bedrooms share the hall bath, while the oversized fourth bedroom offers the added privacy and convenience of its own en-suite bath. Beyond the home itself, Kingsmill offers an exceptional lifestyle, with 24/7 neighborhood security and an impressive array of resort-style amenities. From the beautifully maintained surroundings to the sense of privacy and tranquility, 105 Thomas Brice offers a rare opportunity to enjoy gracious living in one of James City County’s most desirable communities.

105 Thomas Brice, James City Co Lower
$599,000
3 Beds ⋅ 2.1 Baths ⋅ 10653451 MLS
Glensheallah is calling you home! Welcome home to 200 Park Rd. This midcentury modern gem is perfectly preserved and perched on corner lot. This 2600 square foot home awaits new owners. Well equipped with Refinished Hardwoods throughout, Freshly Painted, Roof and HVAC less than 5 years old, Marble Foyer, Fully Floored Attic for extra storage, Crystal Vintage Chandelier in dining room, Vintage Venetian Hand Crafted Chandeliers in the breakfast area and primary bedroom, Recessed Lighting, closets galore, Slate Front Walkway and Back Porch, Kitchen features original cabinets, Double L&G (Thermador) Wall Ovens, Pass through perfect for entertaining and Subzero refrigerator. No detail left behind with this home one owner unicorn of a property. A true one of a kind property and a must see.

200 Park Road, Northwest Portsmouth
$534,900
5 Beds ⋅ 3 Baths ⋅ 10653513 MLS
SPACIOUS COLONIAL in Established Neighborhood with Gorgeous Backyard...Fresh Paint & New Flooring Throughout, Large Eat-In Kitchen with Tons of Cabinets & Counter Space, Sun Room, Family Room with Fireplace, Formal Living & Dining Rooms. 2nd Floor Primary Suite with Private Bath & Walk-In Closet, 5th Bedroom is FROG with Access to Full Bath on 1st Floor. 2 Car Attached Garage, Off Street Parking, Private Backyard with Deck, Hot Tub, Storage Shed, & Green House. Convenient to Shopping, Dining, JBLE, & Easy Access to I-64.

536 Quarterfield Road, Newport News Denbigh South
$2,450,000
8 Beds ⋅ 8.1 Baths ⋅ 10653260 MLS
FULLY REIMAGINED SEMI-OCEANFRONT - TURNKEY SHORT TERM RENTAL IN SANDBRIDGE, SLEEPS 24. Welcome to 3209 Sandfiddler Rd, an 8 bedroom (with 8 en-suites!!!) coastal residence recently expanded and renovated to approx. 4,500 sqft and currently operating as a short-term rental. With sleeping accommodations for up to 24 guests, the home offers a scale that is uncommon in Sandbridge and gives the next owner flexibility to hold it as an income property, use it as a second home, or combine both. The 2026 expansion and interior renovation delivered a top-to-bottom reimagining across two full living levels, with eight full baths supporting eight bedrooms. Upstairs, the main living area features vaulted ceilings and an open plan that flows directly to both the front and back porches. Downstairs, a second open living area with its own kitchenette mirrors that indoor-outdoor flow, giving large groups two distinct places to gather. Outside, guest-favorite amenities include a private in-ground pool, fully fenced yard, and expansive decks with ocean views, all on a 0.29-acre lot. Location is the anchor. Sandfiddler Rd is the semi-oceanfront row in Sandbridge, with beach access just moments away. Little Island Park and its fishing pier, Sandbridge Market, and local restaurants are minutes down the road, and Back Bay National Wildlife Refuge and False Cape State Park are at the south end of the community for kayaking, fishing, biking, and wildlife viewing. The Virginia Beach Oceanfront and Town Center are roughly 20 to 25 minutes by car. No HOA. Just completed and already booking - Don't miss this opportunity! Owner is a licensed Virginia real estate agent

3209 Sandfiddler Road, Southeast Virginia Beach
$975,000
4 Beds ⋅ 3.2 Baths ⋅ 10653503 MLS
Stunning all-brick home located close to Colonial Williamsburg and W&M. Newly renovated, professionally landscaped private lot bordering permanent greenspace! Matching hardwood floors throughout. Spacious 1st floor primary BR with luxury bathroom & walk-in closet. Custom kitchen w/granite counters, upgraded cabinets, SubZero refrig, Wolf gas cooktop, Advantium oven, warming drawer. Open vaulted ceiling great room w/brick-faced gas fireplace, opens to the sun-filled dining area, kitchen and adjacent 1700-bottle wine room. Living rm has built-in bookcases. Second floor features 3 additional bedrooms with hardwood floors, 1 & 1/2 baths, large closets & walk-in storage. A separate stairscase leads to a multi-purpose bonus room with built-in bookcases, additional walk-in storage & attached full bath. The private backyard features a brick patio with a built-in Lion grill and a storage shed w/electricit. Additional upgrades include landscaping lighting, Smart house features, security sys, water filter sys, built-in speakers, newer roof and encapsulated crawl space.

320 Yorkshire Dr Drive, City of Williamsburg
$375,000
4 Beds ⋅ 2 Baths ⋅ 10653504 MLS
This well-maintained 3-bedroom, 2-bath home offers 1,662 sq ft of living space plus a unique 800+ sq ft two-story finished garage. The garage is fully finished with flooring, HVAC, a kitchenette area, and full bathroom, providing an incredible amount of additional flexible space for a home office, gym, recreation area, workshop, or studio. Several major improvements have already been completed, including the main house roof (2021), outdoor HVAC condenser (2020), furnace and ductwork (2024), garage roof (2024), and garage HVAC (2022). Conveniently located with easy access to shopping, dining, military bases, and highways, this property offers a great combination of comfortable living space, extensive improvements, and a finished detached space that is very rare to find!

531 Burleigh Avenue, West Norfolk
$449,000
3 Beds ⋅ 2.1 Baths ⋅ 10653300 MLS
REMODELED HOME FEATURES NE KITCHEN CABINETS, COUNTERS, APPLIANCES, REMODELED BATHS, ALL NEW PAINT THROUGHOUT, ALL POPCORN CEILINGS REMOVED, NEW LIGHT FIXTURESSPACIOUS FENCED BACK YARD, AND PATIO

2017 Twinflower Court, South Central 2 Virginia Beach
$247,500
6 Beds ⋅ 2 Baths ⋅ 10653510 MLS
--INVESTOR SPECIAL-- Calling all INVESTORS AND LANDLORDS. Great investment property. 6 bedrooms 2 bath 2962 sq ft home. Property comes with a 2nd lot (705 D Street). Use as an extra yard, may be build(due diligence), or sell it. ALL-CASH PURCHASE only. Property is being sold AS-IS, WHERE-IS. Proof of funds required with all offers. MUST be able to close by 9/28/26. $5K required deposit to be held by buyer's settlement company. SERIOUS INVESTORS ONLY!! TIME IS OF THE ESSENCE.

701 D Street, Central Chesapeake
$629,000
4 Beds ⋅ 2.1 Baths ⋅ 10653441 MLS
1941 Country Manor Lane! This beautifully renovated 4-bedroom, 2,562 sq. ft. home offers exceptional space and versatility, highlighted by a massive detached two-story garage with additional finished living space above. The renovated interior provides a fresh, move-in-ready feel while maintaining the character and functionality of the home. The expansive detached garage offers incredible flexibility for a workshop, storage, hobbies, vehicles, or additional living space. Situated in an established Virginia Beach neighborhood with convenient access to shopping, dining, schools, and major roadways, this is a unique opportunity to own a home that truly offers more than meets the eye.

1941 Country Manor Lane, Southeast Virginia Beach
$1,250,000
5 Beds ⋅ 4 Baths ⋅ 10652885 MLS
Discover the perfect blend of luxury, privacy, and country living in this beautifully updated ranch situated on 2.88 acres with water access. Designed for comfort and flexibility, this exceptional home offers 5 spacious BDs, 4 full bths, a light-filled sunroom, and two bonus rooms greatfor a home office, gym, playroom, movie rm or guest space. Designer finishes and numerous recent upgrades create a move-in ready retreat. Step outside to enjoy the stamped concrete patio, expansive trex deck, fire-pit, IG salt water pool, 2nd level balcony w/access to pool, invisible fencing, and a 3-car garage. The barn and open acreage welcome horses, chickens, and your homesteading dreams. Experience peaceful rural living with room to roam, garden, and explore all while convenient to farm stands, shopping, dining, entertainment, beaches, and bases.

5411 Buzzard Neck Road Road, Southeast Virginia Beach
$570,000
4 Beds ⋅ 2.1 Baths ⋅ 10653514 MLS
*Former Model Home*This beautiful 4 bdrm Avon A w/ extended front porch is FULL OF UPGRADES! Throughout this charming, tree-lined neighborhood are an assortment of exceptional amenities, including a resort-style pool, community trails, dog park, pocket parks & plazas w/ outdoor seating, a playground, natural preservation areas & state-of-the-art clubhouse w/ kitchen, conference room, & fitness center. This homes kitchen features upgraded quartz tops & glass subway tile backsplash, & upgraded apps, including gas range & fridge! Crown molding, cased windows & openings, & beautiful HW flooring throughout 1st level. 9 foot ceilings on both levels. Primary suite w/ lighted tray ceiling & WIC, features an ensuite w/ double quartz vanity, tiled floor, soaking tub, & 5' shower. 1st floor flex room! Tankless hot water heater, fireplace, & gas heat! Wrap-around front porch!

5004 Cape May Loop, West Chesapeake
$329,900
4 Beds ⋅ 2.1 Baths ⋅ 10653097 MLS
Spacious 4-bedroom, 2.5 bath home perfectly situated on a quiet cul-de-sac! Enjoy a large front yard and generous fenced backyard, plus a bonus room with sliding glass doors leading to the outdoor space. Original hardwood floors add charm and character throughout much of the home. An outdoor shed conveys as-is and provides additional storage. Conveniently located just minutes from Portsmouth, Norfolk, and Central Chesapeake, with easy access to interstates, restaurants, shopping, and more. Plenty of space, great location, and ready for its next owner!

2205 Hilton Court, Central Chesapeake
$499,000
6 Beds ⋅ 4 Baths ⋅ 10653032 MLS
An opportunity to own a piece of history with this 2-story farmhouse, approximately 100 years old, nestled on 1 acre in the rural southern portion of Virginia Beach minutes away from Va Beach Courthouse and Chesapeake Bypass . Offering approximately 4,290 square feet, 5 bedrooms, and 3 full baths, this property provides a lifestyle that stands in stark contrast to the fast pace of the city. The traditional farmhouse includes a family room, dining room, walk-in closets and office/study. The kitchen features a breakfast area, electric range, refrigerator, dishwasher, and microwave, while washer/dryer hookups provide added convenience. Enjoy the fresh country air from the screened-in porch or rear deck, a great spot for morning coffee or evening relaxation. A 1-car attached garage and generous multi-car parking area provide plenty of space for vehicles. The detached in-law suite features 1 bedroom, 1 full bath, gas stove, and gas heat. Whether used for extended family, guests, a private retreat, or additional living space, this separate accommodation offers various possibilities. Located in one of the city's most sought-after rural areas, this property offers a unique country lifestyle surrounded by nature, and a close-knit community. Just minutes from the North Landing River Natural Area Preserve, residents can enjoy hiking, wildlife, and the natural beauty of the area. A locally owned general store is just down the road, offering southern home-cooked food and the opportunity to slow down, grab a bite, and catch up with neighbors. Outdoor enthusiasts will appreciate the convenient proximity to boat ramps providing access to the Intracoastal Waterway, making kayaking, paddleboarding, fishing, and other recreational activities easily accessible. Nearby U-pick berry farms, local farm stands, and rural attractions add to the authentic country-living experience. Conveyed AS IS. This property is located where privacy and a slower pace of life are increasingly hard to find.

4490 Blackwater Road, Southeast Virginia Beach
$450,000
4 Beds ⋅ 2.1 Baths ⋅ 10653436 MLS
Welcome to 15 Ruth Circle Hampton VA 23666, exceptional location in the Michaels Woods community. This one owner well maintained home features the first floor open-concept designed offers a seamless flow, with the chefs kitchen is the heart of the home, features granite counter tops, double oven, up graded cabinets, stainless steel appliances and recessed lighting. Bluetooth capability with ovens, washing machine and dryer....Step down into the gathering room featuring a fireplace and custom built-in cabinets. Also, formal living room & dining room for special gatherings.. The primary suite located on the 2nd floor features a cathedral ceiling, a luxurious inspired ensuite with double sinks, jetted tub and separate shower. Enjoy the extra-large dressing room with a make-up area and plenty of closet space. Finally, relax on the covered porch or large backyard deck. Conveniently located in the best school district, close to all bases, parks, shopping and hospitals. Perfect blend of modern comfort, coastal living and everyday convenience. Call today for a showing!

15 Ruth Circle, Hampton Mercury North
$549,900
4 Beds ⋅ 3 Baths ⋅ 10653411 MLS
Beautifully maintained 4-bedroom, 3-full-bath home offering an open, spacious floor plan with 9-foot ceilings and hardwood flooring. The inviting kitchen features stainless steel appliances, bar seating, and flows seamlessly into the living area. The main level includes the primary suite plus two additional bedrooms. Upstairs, a private fourth bedroom with its own full bath provides wonderful flexibility for guests, a home office, or additional living space. Relax on the covered front porch or back deck. NEW HVAC in 2025! Neighborhood amenities include a clubhouse, pool, two playgrounds, dog park, and four fishing ponds. A brand-new elementary school is being built within the neighborhood and is scheduled to open next school year. VA assumable loan at 5.625%, subject to lender/VA approval and buyer qualification.

3240 Conservancy Drive, South Chesapeake
$539,990
4 Beds ⋅ 2.1 Baths ⋅ 10653501 MLS
Home features an open-concept kitchen flowing into the café area and spacious family room, along with formal living and dining rooms. The formal living room can be converted to an optional home office. Upstairs, the primary suite offers a private retreat alongside a versatile loft, convenient laundry area, and additional bedrooms Optional third-floor walk-up with an additional bedroom and full bath.

MM Drexel, Gloucester Point/Hayes
$445,000
4 Beds ⋅ 2 Baths ⋅ 10653376 MLS
Welcome to your serene oasis at the end of a private cul-de-sac! Nestled on a rare 0.83-acre lot in Western Branch, this sprawling 4-bedroom ranch is a wonderful home with fruit trees, a tranquil stream and the Elizabeth River Trail right in your backyard. Inside, you will find hardwood floors, a bright formal living room with a large picture window, an inviting family room with a decorative fireplace, and a dedicated sunroom that is perfect for a home office. The kitchen features granite countertops, stainless steel appliances, and an enormous pantry. Practical, big-ticket upgrades include a 30-year architectural shingle roof, a dual-fuel heating system, and leaf-guard gutters. Plenty of space to live, work, and play!

4232 Greendell Road, West Chesapeake
$425,000
4 Beds ⋅ 3 Baths ⋅ 10653214 MLS
Welcome to this spacious 4- bedroom,3-full bath home offering 2,412 square feet of comfortable living space in Courthouse Square. Freshly painted throughout with brand new carpet upstairs, this move-in-ready home features a versatile floor plan designed for todays lifestyle. Upstairs you'll find a spacious living room along with 3 bedrooms, including the primary suite. Downstairs offers an additional bedroom and full bath, providing an ideal space for guests, a home office, or multi-generational living. Conveniently located just minutes from Gloucester Courthouse, you'll enjoy easy access to shopping,dining, schools, and everyday amenities. Dont miss the opportunity to make this beautifully refreshed home yours.

7246 Jeanne Drive, Gloucester West

Some listings may be duplicated in the search results due to the co-mingling of listings from more than one multiple listing service. Should there be different listing information between the duplicated listings; user is advised to verify the accuracy of the listing information before making any financial decisions.