Refine Search
Map
Sort by
$1,690,000
5 Beds ⋅ 3.1 Baths ⋅ 10642876 MLS
Beautiful Plantation Style home in sought after Meadow Ridge. Back gate opens to park with walkway to John B. Dey & Great Neck Middle. Backyard has 10’ X 14’ storage shed, 14’ X 32’ deck leading to pool built in 2022 all secured by privacy & ornamental fencing. Upstairs of main part of house is the master bedroom with separate his & her closets. Adjoining master bath includes 4’ X 6’ shower, stand-alone MultiJet bathtub, & double sink basin vanity.3 bedrooms & another full bath on this level. 2nd level foyer leads to veranda. 425 sqft. room above garage with balcony overlooking the pool. Can be used as office, rec, or bedroom. Downstairs was renovated in 2023 with engineered flooring throughout. Kitchen fully upgraded: new cabinetry, countertops, center island, sink, disposal, dishwasher, refrigerator, range top, oven, & wine cooler. Downstairs A/C system replaced new in Nov. 2025.255 sqft. Sunroom has workout area overlooking the pool & much, much more!

1904 Thomas Bishop Court Court, Northeast Virginia Beach
$399,900
4 Beds ⋅ 3.1 Baths ⋅ 10643282 MLS
Welcome to this beautifully maintained tri-level condo featuring stylish LVP flooring throughout the main living areas and granite countertops in the kitchen. The main living area features two spacious en-suite bedrooms, offering the perfect blend of comfort and privacy. The open concept layout provides flexible living space across three levels, ideal for roommates, guests, or a work-from-home setup! Move-in ready, schedule a tour today.

4404 Leamore Square Rd Road, Southwest 2 Virginia Beach
$249,900
2 Beds ⋅ 1.1 Baths ⋅ 10643274 MLS
Charming move in ready Green Run townhouse. Nestled in a quiet cul de sac setting in Virginia Beach, this beautifully maintained two bedroom, one and a half bath home is the perfect starter property or turnkey investment. Step inside to find a bright, welcoming layout featuring neutral paint and a wonderful flow. Enjoy total peace of mind with a brand new roof and water heater, both updated in 2026.The outdoor space features a private, fenced in backyard complete with a storage shed. Located in the highly sought after Landstown School District, this location offers unbeatable convenience. You are just minutes away from shopping, dining, Town Center, Mount Trashmore, the amphitheater, major interstate access, and local military bases, plus a short drive to the Oceanfront.Enjoy a low HOA with access to multiple community pools, playgrounds, parks, tennis courts, and walking paths. Schedule your tour today before this opportunity is gone!

1513 Benton Court, South Central 2 Virginia Beach
$813,900
5 Beds ⋅ 3.1 Baths ⋅ 10643273 MLS
Amazing value for over 3000sf new construction nearby all the great things Laskin Rd and Hilltop area has to offer! This 5 br + first floor flex room perfectly blends elegance with functionality. Truly an airy, open-concept layout that’s an entertainer’s dream, featuring a spacious family room w/ gas fireplace, breakfast area, and gourmet kitchen complete with quartz countertops and a stylish tile backsplash—perfect for hosting both family and friends. Upstairs, the luxurious owner’s suite spans the full width of the home, with spa shower and closet 'room' featuring solid shelving. Laundry is upstairs convenient to the bedrooms! Three baths up so everyone has a place! Move in and enjoy living 3 miles to the ocean :)

1840 Karen Lane, Northeast Virginia Beach
$699,000
5 Beds ⋅ 2.1 Baths ⋅ 10642890 MLS
This property is a gardener's dream. It has a variety of flowering plants that provide blossoms throughout the growing season. Blooms are sequenced for near year round color. There are 10 field-stone edged garden beds add stunning features to the landscape. One garden bed in the back has a goldfish pond. One in the front features an unique natural stone bench. Back yard includes vegetable garden plot that faces the sun for garden fresh produce. Back yard oasis includes a hot tub and six foot privacy fence. Two patios are connected by a master-crafted pave walk-way. Oversized garden shed helps keep garage clutter free. Two lockable gates one on each side of the property. In ground sprinkler system fed by well water to keep watering cost low. Two outdoor water taps fed by the well and two additional taps fed by city water. Tank-less water heater provides endless hot water. The oversized primary bedroom includes two walk in closets. One large walk-in closet features two side cubby units for storage. The other walk in closet is medium sized with plenty of storage space. Washer and dryer are on the second floor for convenience to bedrooms.

707 River Gate Court, South Chesapeake
$649,000
3 Beds ⋅ 3.1 Baths ⋅ 10643067 MLS
A Great opportunity to buy on the Bay side of Shore Drive. This 3 bedroom & 3.5 Bathroom condo is move in ready and has an open floor plan for entertaining, Garage for storing and parking with a driveway for additional parking, new decks, SS appliances and a natural gas fireplace. Elevator can be installed in place. Enjoy all the attractions of the Shore Drive corridor and life at the beach! Great Neck Middle and Cox High School.

3732 Vintage Pointe Place, Northwest Virginia Beach
$1,299,000
5 Beds ⋅ 3 Baths ⋅ 10643184 MLS
Welcome to 631 Virginia Ave! An Incredible new home construction located in one of the most desirable neighborhoods at the beach. Situated on the corner of Cypress Ave and Virginia Ave this home has easy access to the oceanfront, interstate, surf park, restaurants, entertainment, and marina. 10ft ceilings on the first floor with a gourmet kitchen which boasts a double oven, 5 burner gas range, and decorative hood. Other Equipment include tankless hot water heater, outdoor shower, 14.3 Seer A/C with with gas heat, and Prewired for surround sound, ceiling fans, and generator. The open and spacious home is well-suited for todays modern coastal lifestyle. This 5 bedroom luxury won't last so DON''T WAIT! The earlier you contract the more options for selections will be available.

631 Virginia Avenue, Northeast Virginia Beach
$499,500
4 Beds ⋅ 2 Baths ⋅ 10643133 MLS
This beautifully renovated 4-bedroom, 2-bath home featuring 2,117 sq. ft. of bright and open living space is ready for you! The updated kitchen features custom cabinetry, quartz countertops, custom tile backsplash, large island, and stainless steel appliances. Perfect for cooking and entertaining. Tastefully finished bathrooms include custom tile, updated vanities, newer toilets, flooring and fixtures. Major recent updates include newer roof, ductwork, vapor barrier. Interior updates include recently replaced LVP, carpets, electrical fixtures, plumbing fixtures and paint. Centrally located near by to shopping, schools, beaches and bases. Schedule your showing today!

257 Coachman Drive, Central Chesapeake
$245,000
2 Beds ⋅ 1 Baths ⋅ 10643207 MLS
Discover the perfect blend of historic charm and modern convenience in this beautifully maintained 2-bedroom, 1-bath condo in the heart of Ghent. Located in a classic historic building just minutes from CHKD and Sentara Norfolk General Hospital, this home is ideal for medical professionals seeking a short, stress-free commute. The bright interior features hardwood floors, original trim work, and a thoughtfully updated kitchen. Spacious bedrooms offer flexibility for work-from-home or guest space. Enjoy your private rear balcony, perfect for cookouts relaxing after a long day. Additional highlights include in-unit washer and dryer, one reserved parking space, and a secure building. The condo fee includes water, sewer, trash, grounds maintenance, and master insurance. Six-month rentals are allowed, making this a great primary residence or investment opportunity. Just blocks from the NARO Theater, parks, shops, and dining.

1015 Colonial Avenue Unit 4, West Norfolk
$1,450,000
5 Beds ⋅ 4 Baths ⋅ 10643234 MLS
A beautiful home in Wimbledon on the Bay!

1805 Streatham Court, Northeast Virginia Beach
$280,000
2 Beds ⋅ 2.1 Baths ⋅ 10643215 MLS
Location, Location, Location! Stylishly Renovated Condo in the Heart of Virginia Beach Town Center. It doesn't get any better...Lifestyle & Convenience while minutes from the Nightlife, Premier Shopping, & Restaurants that Town Center offers. Close to Beaches, Virginia Beach Oceanfront, Military Bases, First Landing State Park, Mt Trashmore & Interstate Access. Don't miss out on the Comfort, Convenience, & Luxury this Condo has to offer. This one will go quickly! Call for your Private Showing today.

131 Seaside Lane, Northwest Virginia Beach
$615,000
3 Beds ⋅ 3 Baths ⋅ 10643157 MLS
This beautifully updated brick home combines comfort, functionality, and style with flexible spaces designed for modern living. At the heart of the home, the stunning kitchen features a custom island perfect for gathering, entertaining, and everyday life. Spacious bedrooms, versatile living areas, and an expansive sunroom provide plenty of room to spread out, with ideal spaces for a home office, virtual learning, hobbies, or creative pursuits. A true standout feature is the oversized two-car garage/workshop, complete with a full bath and approximately 780 square feet of unfinished space above—offering endless possibilities for guest accommodations, a studio, home gym, office, or additional storage. Step outside to enjoy beautifully landscaped grounds, custom decking, and an inviting patio designed for entertaining. A charming custom she-shed adds even more versatility, along with an additional flex space inside the home. Thoughtful updates throughout and adaptable spaces are a win!

103 Ashley Road, South Chesapeake
$395,000
3 Beds ⋅ 2.1 Baths ⋅ 10642835 MLS
Welcome to sought-after Cypress Point! This spacious 3-bedroom, 2.5-bath condo offers comfortable living in one of the area's premier golf course communities. The open-concept floor plan features a cozy living room with fireplace, seamlessly flowing into the dining area and kitchen, all filled with natural light from windows overlooking the private deck and wooded views. The kitchen offers abundant wood cabinetry, ample counter space, tile backsplash, stainless steel appliances and a generous breakfast area. The primary suite boasts a beautifully renovated ensuite bath with a quartz-topped double vanity, frameless glass tiled shower, and large walk-in closet. An adjoining flex room is perfect for a home office, nursery, dressing room, or hobby space. On the opposite side of the home, you'll find two spacious bedrooms, a full bath, and a charming reading nook that can serve as additional flex space. A 2-car garage provides plenty of storage and convenience.

1002 Grand Oak Lane, Northwest Virginia Beach
$350,000
3 Beds ⋅ 2 Baths ⋅ 10643208 MLS
Welcome to your corner-lot retreat in one of the area’s quietest, most established neighborhoods. This beautifully updated home features a 2019 kitchen remodel with SS appliances, modern cabinetry, & LVP flooring flowing throughout the entire living space. The open floorplan offers a large living room, formal dining room, & 3 comfortable bedrooms with 2 baths- including a walk-in shower with built-in seats & dual shower heads.Outside enjoy a spacious, fully fenced backyard designed for effortless entertaining. The paver patio includes a natural-gas firepit & a dedicated gas line for your grill, creating the perfect setting for summer nights. A new concrete parking pad sits just outside the garage for added convenience. Major systems are already handled for you: the roof was replaced in 2023 & comes with a fully transferable lifetime warranty. The home is equipped with HVAC plus a fully functional boiler as a backup. With no HOA you get the freedom to enjoy your property your way. Seller has assumable VA loan/4.625% rate. For new financing seller's preferred lender offering 1% closing costs assistance to buyers.

2536 E Little Creek Road, North Norfolk
$390,000
2 Beds ⋅ 2.1 Baths ⋅ 10643151 MLS
Welcome to 4376 Turnworth Arch, a beautifully maintained condo in the highly sought-after Spence Crossing community of Virginia Beach. This spacious home offers an inviting open-concept floor plan filled with natural light, creating the perfect setting for both everyday living and entertaining. The well-appointed kitchen flows seamlessly into the dining and living areas, while generous bedrooms provide comfort and flexibility for family, guests, or a home office. Enjoy low-maintenance living with access to exceptional community amenities, including resort-style pool, a clubhouse & fitness center. Conveniently located near shopping, dining, top-rated schools, military bases, and the Virginia Beach oceanfront, this home combines comfort, convenience, and an outstanding lifestyle. New LVT on 1FL & carpet upstairs; Refrigerator & Dishwasher 2025.

4376 Turnworth Arch, South Central 2 Virginia Beach
$464,900
4 Beds ⋅ 2 Baths ⋅ 10643155 MLS
Welcome home to 104 W Arden Circle! With a blend of tasteful updates and classic charm, this one is sure to make you feel right at home. Offering 4 bedrooms plus a bonus space, there's an opportunity for a playroom, office, reading nook, or extra living space. The primary bathroom is sure to impress, with a large double vanity, huge shower and separate soaking tub. The huge yard backs up to the river, so you can drop a kayak in and experience all the Lafayette has to offer. Large shed for storage. Truly a property you have to visit to experience the cozy vibe and abundant outdoor space!

104 W Arden Circle, West Norfolk
$205,000
2 Beds ⋅ 2 Baths ⋅ 10643122 MLS
Welcome home to easy coastal living! Conveniently located just 7 to 13 minutes from Naval Station Norfolk, 11 to 15 minutes from Norfolk International Airport, and less than 5 minutes from Ocean View Beach, this beautifully maintained condo offers the perfect blend of comfort and convenience.Inside, you’ll find recent kitchen upgrades, thoughtful improvements throughout, a private balcony, and a bright, inviting layout that’s perfect for everyday living. Major updates include a newer water heater and a roof that’s less than five years old, giving peace of mind for years to come.Whether you’re a first-time buyer, looking to downsize, or searching for the perfect addition to your investment portfolio, this home checks all the boxes. Enjoy two assigned parking spaces plus ample additional parking for guests.Cute, convenient, and move-in ready. This one is truly a gem. Schedule your tour today!

8530 Tidewater Drive Drive Unit 204, North Norfolk
$345,000
3 Beds ⋅ 2 Baths ⋅ 10643168 MLS
Updated ranch in Western Branch with open floor plan. Kitchen has beautiful granite countertops and stainless steel appliances. Large bonus room that could be used as an extra bedroom, playroom, office, entertainment room, or family room. Fully fenced back yard with detached garage. Close to interstates, shopping, restaurants, and Military bases.

3036 Bomar Drive, West Chesapeake
$490,000
3 Beds ⋅ 3.1 Baths ⋅ 10643023 MLS
Affordable beach living in Shadowlawn. Beautiful two-unit, no-fee condo with open living area allows for lots of natural light. Stainless steel appliances, granite counters in the kitchen, and 42" cabinets that utilize space efficiently. Each bedroom has its own full bath! First-floor primary w/full bath and third-floor primary recently painted. Half bath, living area, and kitchen on second floor. Third floor has 2 additional bedrooms with full baths. Privacy-fenced backyard. Ready for your golf cart or beach cruiser! Nearby surf park, trails, restaurants, nightlife, and beaches

518 Norfolk Avenue Unit B, Northeast Virginia Beach
$365,000
2 Beds ⋅ 1 Baths ⋅ 10642995 MLS
Experience the best of beach living in the heart of Old Beach. Just 1.5 blocks from the Virginia Beach Oceanfront and Boardwalk, this beautifully maintained top-floor condo offers the perfect balance of convenience and tranquility. Enjoy easy access to local restaurants, boutique shopping, the ViBe Creative District, the Old Beach Farmers Market, the Dome, and Atlantic Park, then return home to the quiet charm of this tucked-away community. Lightly used in recent years and truly move-in ready, the home features gorgeous hardwood floors throughout the living areas, fresh paint and an updated kitchen with granite countertops and stainless steel appliances. This intimate, pet-friendly community features just three charming buildings with four units each, centered around a peaceful courtyard shaded by mature trees. Off-street parking and a shared patio with a fire pit complete this inviting coastal retreat, perfect as a weekend escape or full-time beach home.

320 24th Street Unit 4, Northeast Virginia Beach
$715,000
5 Beds ⋅ 3 Baths ⋅ 10643012 MLS
This beautifully maintained home offers a spacious first-floor primary suite along with two additional first-floor bedrooms, providing the flexibility today’s buyers are looking for. With over 2,900 square feet, this charming home features an open layout with soaring cathedral ceilings, custom built-ins flanking the fireplace, and an abundance of natural light throughout. The kitchen is designed for gathering, complete with white cabinetry, stainless steel appliances, a large center island, and a custom tile backsplash. The primary suite is a true retreat with private access to the screened porch, two closets, a dual-sink vanity, and a stunning custom tile shower. Upstairs, you’ll find a huge finished room over the garage, an adjoining flex space ideal for a home office, playroom, or potential sixth bedroom, plus two additional bedrooms and a full bath. Step outside to enjoy the incredible screened porch overlooking the expansive backyard and sparkling in-ground pool—perfect for relaxing or entertaining. A welcoming front porch, attached two-car garage, and detached one-car garage/workshop with electricity provide exceptional storage and workspace. Conveniently located near Stumpy Lake, where you’ll enjoy easy access to fishing, scenic trails, and a nearby golf course, this home offers the perfect combination of space, comfort, and outdoor living. Make an appointment to see this home today!

4305 Indian River Road, South Central 2 Virginia Beach
$285,500
3 Beds ⋅ 1 Baths ⋅ 10643176 MLS
Welcome home to 3115 Hornsea Road, a lovingly maintained 3-bedroom, 1-bath ranch that radiates warmth, comfort, and true pride of ownership. Thoughtfully cared for and filled with timeless charm, this inviting home offers a bright, welcoming layout with abundant natural light that creates a sense of ease the moment you step inside. Recent major updates provide peace of mind, including new windows, an HVAC system less than 5 years old, and a roof less than 5 years old. The three bedrooms offer flexibility for family, guests, or a cozy home office. Step outside to a spacious backyard with mature landscaping and a peaceful patio, perfect for relaxing evenings. Additional highlights include an attached garage and a workshop with electricity, ready for hobbies or projects. Conveniently located near shopping, dining, parks, and more, this exceptionally cared-for home offers the kind of comfort and security that makes it easy to settle in and stay awhile.

3115 Hornsea Road, Central Chesapeake
$569,000
3 Beds ⋅ 2 Baths ⋅ 10643170 MLS
THIS IS THE HOME YOU'VE BEEN LOOKING FOR!! Beautifully updated 3 bedroom, 2 bathroom, single-story home with open floor plan, perfect for every day living and entertaining. The high ceilings and open plan make the home feel EVEN BIGGER than it is. You'll love the bright and inviting year-round sunroom, providing the perfect place to relax with your morning coffee or unwind at the end of the day. Accessible one-story living with a large 1st floor primary suite with shower and large jetted tub. Not only does this home offer Comfort... but also convenience. Only 7.3 miles to Sandbridge Beach and year round access to the Atlantic Ocean, Sand, Sun, Shells and Surf at your fingertips! Only 8 miles to the Oceanfront, Neptune Park, the Boardwalk, the Dome, the Vibe District, Atlantic Park Surf, and Virginia Aquarium & Marine Science Museum. All just minutes from your front door. Speaking of convenient... enjoy your easy commute to Dam Neck Fleet Training Center or Oceana Naval Air Station less than 7 miles from home. Exceptional Schools: Kellam High School (rated 9/10 on the GreatSchools website), Princess Anne Middle School (10/10), and Princess Anne Elementary School (10/10). AND on top of all that... enjoy the peace of mind knowing a lot of the maintenance heavy lifting and updating has already been done for you. The roof was replaced in 2021, HVAC in 2023, and fence, deck, floors were all replaced in the last few years. Comfort! Convenience! Location! Schools! Entertainment! What more can you ask for?? Call today to schedule your tour.

1700 Silo Court, Southeast Virginia Beach
$319,000
3 Beds ⋅ 2 Baths ⋅ 10643141 MLS
Location, Location, Location! Pleasant & Peaceful Pamlico...Quaint, tree lined streets that pre-date the dawning of the automobile era. Neighbors know neighbors & even their dogs! Just a few blocks from the largest Naval Base in the World & yet so serene. Your friends who commute hours each day will envy the time you get to be at home with family instead! Your new home sits on a quarter acre, very rare in this tightly knit neighborhood, so there's room for all your toys...Boat, RV, Trailer...& a detached 1 car with side by side Garage & Workshop! Large Multi Level Deck is great for entertaining. Large Great Room with brick Fireplace & Hearth. Newer Central HVAC & Gas fueled Radiator Heat. Covered, Relaxing Front Porch & long driveway extends deep into the Back Yard. Hardwood Floors throughout but Kitchen & baths have Ceramic Tile for easy cleaning. Entire Upstairs can be a Primary Suite with Full Bath. Replacement Windows. Bargain priced to do your own updates too! Hurry

174 W Lorengo Avenue, North Norfolk
$595,000
5 Beds ⋅ 3 Baths ⋅ 10643059 MLS
Welcome to this spacious 5-bedroom, 3-full-bath in Oceana Gardens! The downstairs open floor plan includes the living area, kitchen, dining area, and bonus/flex room, along with a mud room and a first-floor bedroom. First floor full bath features LVP flooring, granite countertops, and a tiled tub/shower combo. The kitchen is outfitted with soft-close cabinets, granite countertops, and SS appliances. Upstairs are four additional bedrooms, including a spacious primary suite with a large walk-in closet and generous en-suite bathroom. Outside, the backyard features a 960 sqft detached garage equipped with a 100-amp panel, great for a home gym or large workshop. The drive through garage allows for easy access to the rear garage. Situated on a 150' x 120' lot, this property offers plenty of room to add storage, a pool, or a garden. Centrally located near shopping, dining, interstate, Oceanfront and bases. Call today to schedule your private tour!

112 Lavergne Lane, Northeast Virginia Beach
$480,000
5 Beds ⋅ 3.1 Baths ⋅ 10643093 MLS
Welcome to this spacious three-story detached home in the desirable Enclave at Town Center community. Offering 5 bedrooms and 3.5 bathrooms, this home features an open and functional floor plan designed for comfortable everyday living. The first floor includes a beautiful kitchen with granite countertops, a center island, 42" cherry cabinets, wide plank wood flooring, and an open layout that flows into the family room. Step outside to enjoy the fully fenced backyard with a private patio. The second level offers the primary suite with a tray ceiling, private bath, and walk-in closet, along with two additional bedrooms, a full bath, and a convenient laundry area. The third floor provides two more bedrooms, a full bath, and an additional living space that's perfect for a media room, playroom, or home office. Additional features include designer lighting, a tankless water heater, an attached one-car garage, and a double-width parking pad. Conveniently located just minutes from Virginia Beach Town Center, shopping, dining, major interstates, and military bases, this home offers both space and an unbeatable location. Incentives may be available through preferred partners. Contact listing agent for details and eligibility.

260 Floridays Way, North Central Virginia Beach
$242,000
2 Beds ⋅ 2.1 Baths ⋅ 10642606 MLS
Property is owned by the US Dept. of HUD. HUD Case #: 541-957753 Insurability Code: IE. Seller makes no representations or warranties as to property condition. HUD Homes are sold "AS-IS." Equal Housing Opportunity. Seller may contribute for buyer's closing costs, upon buyer request. Built in 1993, the residential unit offers approximately 1,240 square feet of interior living space, featuring two bedrooms and two and a half bathrooms. The home includes a standard floor plan equipped with forced-air gas heating and central air conditioning.

5297 Bardith Circle, Northwest Virginia Beach
$239,900
3 Beds ⋅ 1.1 Baths ⋅ 10643144 MLS

824 Huntly Drive, South Chesapeake
$675,000
2 Beds ⋅ 2 Baths ⋅ 10643058 MLS
Spectacular 3rd-Floor corner condo with Breathtaking Chesapeake Bay Views! Welcome to #303 Seagate, where every single room invites the gorgeous waterscape inside. This bright, sun-drenched corner unit offers the ultimate coastal lifestyle, featuring two private balconies, a beautifully renovated kitchen, custom built-ins, and a spacious living area. The primary suite boasts an oversized walk-in closet and an attractive ensuite, while both bedrooms share a balcony with stunning bay views. Automatic hurricane shutters add rare, long-term value. Exceptional extras include a deeded front-row parking space, indoor storage near the unit, and bike/watercraft storage. Seagate's resort-style amenities offer 24-hour front desk security, private beach access, a pool, tennis/pickleball, a fitness center, a library, a game room, a dog park, and resident social events. Restaurants, shopping, military bases and the airport are all nearby too!.

2830 Shore Drive Unit 303, Northeast Virginia Beach
$349,999
3 Beds ⋅ 2 Baths ⋅ 10643137 MLS
That move-in ready Cape Cod on a corner lot in Norfolk you have been wanting is here. With updated major systems, gleaming refinished hardwood floors and a beautifully renovated kitchen with quartz countertops and stainless-steel appliances, the only details left are your own personal touches. The interior is not the only showstopper; outside find an amazing, fenced backyard that is waiting to be your outdoor oasis and is already equipped with an outdoor shower. Near the beaches, bases, schools and exactly where you need to be this summer.

336 E Randall Avenue, North Norfolk

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.