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$465,000
4 Beds ⋅ 3 Baths ⋅ 10651313 MLS
Welcome home to this beautifully designed, all-brick retreat tucked away at the end of a quiet Deep Creek cul-de-sac. The heart of the home features an updated kitchen complete with sleek granite countertops, a premium Samsung appliance suite featuring a 5-burner gas range. Unwind in the fully modernized primary suite, which boasts a double-sink vanity and a walk-in shower equipped with a luxurious heated towel rack. Additional highlights include a large finished room over the garage (FROG), three full baths, a cozy wood-burning fireplace, and 2-inch faux wood blinds paired with energy-efficient replacement windows, and a whole-house vacuum system. Backing up to a fairly dense wooded lot, the spacious back deck and yard provide unmatched privacy, peace, and tranquility. Complete with a two-car garage and a dual-zone HVAC system, this move-in-ready gem truly has it all.

600 Pintail Lane Unit Ln, South Chesapeake
$465,000
4 Beds ⋅ 2 Baths ⋅ 10650919 MLS
Looking for a lovingly maintained brick ranch where care is evident inside & out? This pristine 4-bedroom, 2-bath ranch blends timeless character with thoughtful updates & an open, functional layout. Feel the difference of real hardwood floors underfoot as you explore room to room. Recessed lighting, granite counters, a gas fireplace & new dishwasher add style & comfort. Storage? An expansive walk-in attic runs the full length of the house. Outside, professional landscaping & meticulous grounds reflect true pride of ownership. Improvements are too numerous to list, but highlights include replacement windows & siding, extensive vinyl & aluminum exterior wrapping, and seamless gutters with guards. And under the house? A new dehumidifier helps keep the crawl space crisp, clean & dry, with an annual termite contract in place. With Deep Creek continuing to grow & evolve, this is your chance to own an exceptional value, something long-lasting, well cared for & truly special!

3405 Parr Lane, South Chesapeake
$465,000
4 Beds ⋅ 2.1 Baths ⋅ 10650088 MLS
Welcome home to Hillside Landing in South Chesapeake! This inviting two-story home offers a cozy, functional layout with thoughtful updates throughout. Step inside to find new LVP flooring and a bright eat-in kitchen featuring granite countertops, a natural stone stacked marble mosaic backsplash, touchless kitchen faucet, brand-new appliances, and plenty of natural light. The living area offers a warm place to unwind with a gas fireplace and built-in bookshelves adding both character and functionality. Upstairs, you’ll find comfortable carpeted bedrooms, conveniently located laundry, and a spacious primary suite with a private bathroom featuring a step-in shower with attractive tile surround. Additional improvements include updated lighting, HVAC, and a new door. Outside, the large backyard provides plenty of room for entertaining, relaxing, or enjoying the peaceful views of the neighborhood pond. A spacious red storage shed offers additional room for lawn equipment, tools, and more. Complete with a two-car garage and a roof replaced in 2015, this Hillside Landing home combines comfortable living, useful updates, and a beautiful waterfront backdrop in South Chesapeake. Schedule your tour today!

462 Weeping Cedar Trail, South Chesapeake
$459,999
4 Beds ⋅ 3 Baths ⋅ 10647060 MLS
Welcome home to this beautifully maintained luxury end unit townhome in the highly sought after Great Bridge School District! Less than seven years old, this move in ready home offers stylish, low-maintenance living with thoughtful upgrades throughout. Enjoy luxury laminate plank flooring throughout the entire home, smart switches compatible with Alexa, and an upgraded custom walk in closet in the spacious primary suite. The gourmet kitchen features granite countertops, a large island, upgraded cabinetry, refrigerator only 6 months old and a flat top stove. Soaring 9-foot ceilings, multiple walk-in closets, a spacious laundry room, garage, driveway, and covered front porch add to the home's appeal. The HOA handles yard maintenance, giving you more time to enjoy nearby shopping, dining, entertainment, and quick highway access. Schedule your private showing today!

300 Sikeston Lane, South Chesapeake
$445,000
4 Beds ⋅ 2.1 Baths ⋅ 10648911 MLS
Welcome home to this spacious 4 bedroom home offering over 2,400 sq ft of living space and an impressive list of recent updates! The refreshed kitchen features quartz countertops, a farmhouse sink, updated fixtures and LVP flooring that now flows into the dining room. Enjoy newer carpet, blinds throughout, updated ceiling fans and refreshed bathrooms, including new fixtures, lighting, shower door, toilets and vanity. The versatile floor plan offers multiple living spaces, including a playroom/flex space, plus a 2 car garage. Outside, the fully fenced backyard has been enhanced with a new shed, pavers, landscaping, lawn edging and a sidewalk connecting the front yard to the back deck. Move in ready with space, function and updates already in place!

210 Dunn Street, South Chesapeake
$439,900
3 Beds ⋅ 3.1 Baths ⋅ 10650460 MLS
Welcome to 904 Stern Way – Bryan's Cove! This model home offers the space of single-family living with the convenience of a townhome. The lower level is full of possibilities, featuring a flex room with a full bath and walk-out access to the yard. The main level centers around a huge eat-in kitchen with a massive island, built-in double oven, granite countertops, and a pantry, flanked by a dining room on one side and a family room on the other. Step off the kitchen onto an 8x18' composite deck, designed for entertaining. Upstairs, two bedrooms with ample closet space share a full bath, plus a convenient upper-level laundry room. The primary suite impresses with a tray ceiling, walk-in closet, and a luxury bath featuring a double-bowl vanity, soaking tub, and separate shower with seat. Bryans Cove offers a private marina club, pool, clubhouse, docks, boat tie-off, beach access, fitness center, playground, and dog park.

904 Stern Way, South Chesapeake
$439,900
3 Beds ⋅ 2.1 Baths ⋅ 10638999 MLS
Now accepting presale reservations, pending state condo document approval. Estimated fall delivery. The Marlow plan offers 3 3rd floor bedrooms with the option to add an additional 4th bedroom & full bath on 1st floor. The main living area on 2nd floor features a large kitchen with abundant cabinets and countertop space, and 2nd floor balcony off the living room. 2-car rear-loading garage. Community will feature pool, playground, dog park and grilling stations, all surrounded by a protected forested area and conveniently located just 2 miles from Virginia Beach. Photos & video are of previous model, for illustrative purposes, finishes and upgrades vary in actual home to be built.

680 Allery Road, South Chesapeake
$439,000
4 Beds ⋅ 2.1 Baths ⋅ 10649389 MLS
Comfortable living, generous spaces, and an inviting backyard come together in this 4-bedroom, 2.5-bath Chesapeake home tucked away on a cul-de-sac. A covered front porch welcomes you before heading inside to the spacious living room, where a gas fireplace creates a cozy focal point. The first floor continues into the eat-in kitchen with plenty of cabinetry, stainless steel appliances, a pantry, newer flooring, and a dining area overlooking the backyard. Upstairs, you’ll find all four bedrooms, including a generously sized primary suite with a walk-in closet and private bath featuring a double vanity, jetted tub, and separate shower. Three additional bedrooms and a second full bath complete the upper level. Out back, a large covered patio extends the living space outdoors and overlooks the fully fenced backyard, creating a great setting for dining, entertaining, or simply relaxing around the fire pit at the end of the day. Recent updates include kitchen flooring, dishwasher, newer fence and so much more. Conveniently located close to highways, shopping and dining.

1217 Destiny Way, South Chesapeake
$439,000
4 Beds ⋅ 2.1 Baths ⋅ 10649115 MLS
Priced below a recent independent appraisal. Move-in-ready 4-bedroom, 2.5-bath Colonial on a quiet cul-de-sac in Elmwood Landing. Situated on a spacious .39-acre lot backing to a wooded area with no homes directly behind, this property offers a peaceful setting and generous outdoor space. The kitchen features granite countertops, stainless steel appliances and ample cabinetry. LVP flooring, freshened interior paint, updated lighting and a wood-burning fireplace complement flexible living spaces ideal for a family room, office, playroom or dining area. The primary suite features a walk-in closet and renovated bath with step-in shower, plus three additional bedrooms and an updated hall bath. Enjoy the deck overlooking the backyard and woods. Replacement windows, updated sliding glass door, two-zone HVAC, separate utility room and attached two-car garage.

3407 Wisecamp Court, South Chesapeake
$437,000
3 Beds ⋅ 2 Baths ⋅ 10651301 MLS
Welcome to this meticulously maintained ranch, 3 bedroom 2 full bath, 2 car garage. Front formal living room/office, dining room, back living room/den with wood fireplace, large kitchen with breakfast eat in area. Home has New (May2026) LVP through out main living areas, walk in closest (custom layout) in primary bedroom, plenty of closest space in other bedrooms. The attached garage provides plenty space for cars, hobbies or a workshop. Many upgrades, windows, 2015-30 yr architectural shingle, 2022 dishwasher,2022 New HVAC/duct work all new heating & 14 SEER cooling system, 2024 hall bath remodeled. Too many items to list call for more info.

404 Creekwood Drive, South Chesapeake
$435,000
3 Beds ⋅ 2 Baths ⋅ 10648528 MLS
Welcome to this charming Chesapeake ranch nestled on a full acre! This 3-bedroom, 2-bath home offers 1,620 sq. ft. of comfortable living space with beautiful hardwood floors and an impressive recreation room complete with pool table—perfect for entertaining family and friends. Head outside to the large deck with a covered sitting area and outdoor sink, creating an ideal setting for gatherings and relaxing. The detached 600 sq. ft. in-law suite adds exceptional flexibility for guests, extended family, a home office, or additional living space. With room to spread out, entertain, and enjoy the outdoors, this unique property offers the space and versatility you've been looking for in Chesapeake!

2405 Johnstown Road, South Chesapeake
$435,000
4 Beds ⋅ 2 Baths ⋅ 10648408 MLS
Welcome to this beautifully maintained all-brick ranch in the highly sought-after Hickory School District! Situated on a spacious corner lot, this home offers timeless curb appeal with an inviting covered front porch, attached garage, and a fully fenced backyard providing exceptional privacy for entertaining, pets, or play. Inside, you'll find a comfortable, functional floor plan featuring 3 bedrooms plus a finished room over the garage that serves perfectly as a 4th bedroom, home office, media room, or flex space to fit your lifestyle. The home has been lovingly cared for over the years and offers the perfect opportunity for its next owner to move right in while adding their own personal style and updates over time. Conveniently located near top-rated schools, shopping, dining, parks, and major commuting routes, this is your chance to own a solid, well-built home in one of Chesapeake's most desirable communities. Don't miss this incredible opportunity!

600 Winscott Court, South Chesapeake
$429,900
3 Beds ⋅ 2.1 Baths ⋅ 10638990 MLS
Now accepting presale reservations, pending state condo document approval. Estimated fall delivery. The Marlow plan offers 3 3rd floor bedrooms with the option to add an additional 4th bedroom & full bath on 1st floor. The main living area on 2nd floor features a large kitchen with abundant cabinets and countertop space, and 2nd floor balcony off the living room. 2-car rear-loading garage. Community will feature pool, playground, dog park and grilling stations, all surrounded by a protected forested area and conveniently located just 2 miles from Virginia Beach. Photos & video are of previous model, for illustrative purposes, finishes and upgrades vary in actual home to be built.

671 Allery Road, South Chesapeake
$427,400
3 Beds ⋅ 3.1 Baths ⋅ 10638663 MLS
Now accepting presale reservations, pending state condo document approval. Estimated fall delivery. The Caldwell plan offers a first-floor bedroom suite with flex space and one-car garage. 2 spacious owner suites are on the 3rd floor with convenient 3rd floor laundry. The main living area on 2nd floor features a large kitchen with abundant cabinets and countertop space, and 2nd floor balcony off the living room. Community will feature pool, playground, dog park and grilling stations, all surrounded by a protected forested area and conveniently located just 2 miles from Virginia Beach. Seller to pay up to $7,500 in closing cost assistance when using preferred lender, see agent for details. Special presale incentive: Receive a $12,500 anyway allowance to use at buyer's discretion when using seller's preferred lender, listed price reflects allowance taken off base price, see agent for details. Photos & video are of previous model, for illustrative purposes, finishes and upgrades vary in actual home to be built.

672 Allery Road, South Chesapeake
$424,900
3 Beds ⋅ 2 Baths ⋅ 10653150 MLS
If you’re looking for a home that feels like a luxurious vacation retreat all year long, this is the one. Beautifully renovated inside and out, this home blends timeless traditional elegance with comfort and resort-style living. Inside, you’ll find two spacious living rooms, each with its own fireplace, creating warm and inviting spaces for relaxing or entertaining. The over sized primary bedroom is a private retreat, complete with a beautifully renovated, spa-inspired bathroom designed to make everyday life feel luxurious. Step outside into your own private backyard oasis, featuring a beautiful in-ground pool, covered pergolas, landscaped surroundings, and inviting outdoor living spaces where you can relax, entertain, and feel like you’re on vacation without leaving home. The property also features a two-car carport and a huge detached two-story workshop/flex storage building, offering exceptional additional space for storage, hobbies, projects, or more. This is more than a home, it's a lifestyle designed to enjoy every day. Extensive improvements completed in 2024 - 2025. A detailed Features & Upgrades, Conveyance/Exclusion, and Seller Information package available upon request. This home is a must-see in person contact your agent to schedule a private showing.

1100 Dane Street, South Chesapeake
$417,500
3 Beds ⋅ 2.1 Baths ⋅ 10652096 MLS
Built in 2023 and meticulously maintained, this 3-bedroom, 2.5-bath end-unit townhome offers 1,790 square feet of comfortable, low-maintenance living in Cardinal Meadows. The first floor features durable LVP flooring and a well-appointed kitchen with a gas range. Step outside to a fenced rear patio, made for relaxing or entertaining. The finished garage stands out with epoxy flooring and custom storage for a clean, organized workspace. Located in Chesapeake’s sought-after Grassfield/Great Bridge area near Cedar Road and Cahoon Parkway, the community offers walking trails, a playground, covered pavilion, splash pad, and dog park—all within a top-rated school district.

1621 Songbird Lane, South Chesapeake
$415,000
4 Beds ⋅ 2 Baths ⋅ 10651014 MLS
Welcome to 720 Albemarle Court, an adorable ranch-style home nestled in the highly sought-after Hickory area of Chesapeake! This charming home offers 4 bedrooms and 2 full bathrooms with a comfortable and functional floor plan. Head inside to a spacious living room featuring a beautiful wood-burning fireplace. The dining area flows seamlessly into the kitchen, with easy-care laminate flooring throughout the main living areas. Three bedrooms are conveniently located on the first floor, while the finished room over the garage provides a spacious fourth bedroom with added privacy and flexibility. Out back, enjoy a large deck overlooking the generously sized backyard which is perfect for entertaining or simply enjoying your own backyard space. A wonderful opportunity to call the desirable Hickory area home!

720 Albemarle Court, South Chesapeake
$410,000
3 Beds ⋅ 2 Baths ⋅ 10653003 MLS
Welcome to this well-maintained 3-bedroom, 2-bath ranch home in the gorgeous Riverwalk community! Proudly offered by its original owner, this charming one-story home offers 1,600 square feet of comfortable living with the convenience of a first-floor primary bedroom. The inviting layout provides plenty of space for everyday living, entertaining, or simply relaxing at home. Step outside to enjoy the back deck and create your own peaceful outdoor retreat. Riverwalk residents enjoy fantastic amenities including a clubhouse, swimming pool, playgrounds, tennis courts, scenic trails, and a boat ramp and dock with access to the Elizabeth River. Conveniently located to access bases, beaches, dining, entertainment, restaurants, shopping, and more. Well cared for and ready for its next chapter—come see all this wonderful home and community have to offer. Call now for your personal tour.

435 Supplejack Court, South Chesapeake
$407,400
2 Beds ⋅ 2.1 Baths ⋅ 10638626 MLS
Now accepting presale reservations, pending state condo document approval. Estimated fall delivery. The Bristol plan offers 2 spacious owner suites on 3rd floor with convenient 3rd floor laundry. The main living area on 2nd floor features a large kitchen with abundant cabinets and countertop space, and 2nd floor balcony off the living room. First floor flex space with 2-car rear-loading garage. Community will feature pool, playground, dog park and grilling stations, all surrounded by a protected forested area and conveniently located just 2 miles from Virginia Beach. Seller to pay up to $7,500 in closing cost assistance when using preferred lender, see agent for details. Special presale incentive: Receive a $12,500 anyway allowance to use at buyer's discretion when using seller's preferred lender, listed price reflects allowance taken off base price, see agent for details. Photos & video are of previous model, for illustrative purposes, finishes and upgrades vary in actual home to be built.

676 Allery Road, South Chesapeake
$399,900
2 Beds ⋅ 2.1 Baths ⋅ 10638997 MLS
Now accepting presale reservations, pending state condo document approval. Estimated fall delivery. The Bristol plan offers 2 spacious owner suites on 3rd floor with convenient 3rd floor laundry. The main living area on 2nd floor features a large kitchen with abundant cabinets and countertop space, and 2nd floor balcony off the living room. First floor flex space with 2-car rear-loading garage. Community will feature pool, playground, dog park and grilling stations, all surrounded by a protected forested area and conveniently located just 2 miles from Virginia Beach. Photos & video are of previous model, for illustrative purposes, finishes and upgrades vary in actual home to be built.

678 Allery Road, South Chesapeake
$399,000
3 Beds ⋅ 2 Baths ⋅ 10650546 MLS
Calling all investors! Opportunity awaits at 844 Joanne Circle. Situated on approximately 0.74 acres in the Hickory School District, this 2,051-square-foot home offers three bedrooms, two full bathrooms, and a cozy fireplace. The large, treed, fenced-in backyard provides plenty of space and potential. Built in 1980, the home is ready for someone to bring their vision and personal touches. Conveniently located near shopping, interstates, and the bypass to the Outer Banks. Being sold as is. Come check it out today!

844 Jo Anne Circle, South Chesapeake
$399,000
2 Beds ⋅ 1.1 Baths ⋅ 10632703 MLS
Welcome to this stunning, move-in-ready masterpiece located in the heart of Hickory. This home has been meticulously renovated, boasting new siding for exceptional curb appeal and energy efficiency. Step inside to discover a bright, open interior featuring stylish new flooring throughout and a renovated kitchen complete with modern cabinetry and high-end finishes. Combining the charm of an established Chesapeake neighborhood with the luxury of a brand-new renovation, this home offers a rare opportunity to enjoy high-end living in a premier location.

224 Hickory Road E, South Chesapeake
$385,000
4 Beds ⋅ 2 Baths ⋅ 10651553 MLS
Come check out this amazing ranch on Oak Manor before its gone! 4 bedroom 2 bath including FROG. Located in the heart of Chesapeake & sits on .5 acres. Enjoy the cozy wood burning f/p in living room. Updated open kitchen with breakfast area and pantry cabinet. Newly renovated hall bath. Wonderful primary suite with double closets & renovated primary bath. Freshly painted throughout. Fully fenced in back yard and large 16x12 storage shed. One car attached garage. Plenty of storage. Metal wrapped trim and vinyl soffit for easy exterior maintenance. 2 double gates on left side of house for easy storage of boats, trailers etc. No HOA! No flood zone! Welcome home!

2317 Southern Pines Drive, South Chesapeake
$385,000
4 Beds ⋅ 2.1 Baths ⋅ 10650481 MLS
Welcome to 1463 Winslow Avenue! This well-maintained Chesapeake home is ready for its next owners. The current sellers have lovingly cared for the home for the past three years after purchasing it newly renovated, giving you the benefit of an updated home that has continued to be well cared for. Features include a newer roof and water heater, updated kitchen and bathrooms, and a newer backyard fence. Inside, you'll find 4 bedrooms, 2 full bathrooms, a half bath on the first floor and plenty of flexible living space. An additional bonus room gives you the freedom to make the space your own whether you need a home office, playroom, second living area, or hobby space. With thoughtful updates, flexible space, and a home that has been well maintained from top to bottom, 1463 Winslow Avenue is ready for you to move in and make it yours!

1463 Winslow Avenue, South Chesapeake
$384,900
3 Beds ⋅ 2.1 Baths ⋅ 10647937 MLS
You can be enjoying a great lifestyle when you decide to move to this townhouse/condo, convenient to stores, restaurants and interstates. Beautiful, sunny and inviting throughout. As soon as you walk in you will find engineered hardwood flooring, a cute sitting area and 1/2 bath. As you continue into your home you have a large dining area adjacent to the open kitchen with tile floors, and large island for extra seating. Your living room has built-in cabinet by the gas fireplace. Upstairs Is the laundry area, large primary with ensuite, hall bathroom and 2 additional bedrooms.

521 Abelia Way, South Chesapeake
$384,900
2 Beds ⋅ 2.1 Baths ⋅ 10638993 MLS
Now accepting presale reservations, pending state condo document approval. Estimated fall delivery. The Bristol plan offers 2 spacious owner suites on 3rd floor with convenient 3rd floor laundry. The main living area on 2nd floor features a large kitchen with abundant cabinets and countertop space, and 2nd floor balcony off the living room. First floor flex space with 2-car rear-loading garage. Community will feature pool, playground, dog park and grilling stations, all surrounded by a protected forested area and conveniently located just 2 miles from Virginia Beach. Photos & video are of previous model, for illustrative purposes, finishes and upgrades vary in actual home to be built.

673 Allery Road, South Chesapeake
$379,900
3 Beds ⋅ 2.2 Baths ⋅ 10647229 MLS
Don't miss the chance to visit this beautiful well kept 3 bedroom townhome that offers a water view. This end unit shows like new with a first floor room that could be used as an office space or game room along with half bath. The main floor has a spacious open concept with a balcony off of the kitchen area. This townhome is apart of a fantastic community that offers great amenities, including a Clubhouse with an exercise room, Community Pool, Playgrounds, a Dog Park, Walking Trails, and Common Area Maintenance. HOA fees are due quarterly. This home won't disappoint. Seller willing to offer up to 3% CCA with full price offer.

655 Mill Creek Parkway, South Chesapeake
$379,900
3 Beds ⋅ 2.1 Baths ⋅ 10644759 MLS
Welcome home to this beautifully maintained townhome in the highly desirable Great Bridge area of Chesapeake! This spacious 3-bedroom, 2.5-bath home offers the perfect blend of comfort, style, and convenience. The open-concept floor plan is filled with natural light and features gleaming wood floors, granite countertops, stainless steel appliances, and crisp white cabinetry. The primary suite boasts a granite vanity and dual shower heads for a spa-like retreat. Pride of ownership shines throughout with a fresh interior paint refresh and a newly installed backyard gravel area, creating a low-maintenance outdoor space perfect for relaxing or entertaining. Complete with an attached garage and driveway parking, this move-in ready home is ideally located just minutes from shopping, dining, top-rated schools, parks, military bases, hospitals, and the area’s beautiful beaches. Don’t miss the opportunity to own this well-cared-for home in one of Chesapeake’s most sought-after communities!

432 Charleston Street, South Chesapeake
$365,000
3 Beds ⋅ 1 Baths ⋅ 10639800 MLS
Closing cost assistance! Welcome to 1073 Scenic Boulevard! This beautifully updated ranch-style home offers modern finishes, flexible living space, and a private setting on approximately .4 acres in the desirable Great Bridge area. Step inside to an open and inviting floor plan featuring updated flooring, fresh paint, modern fixtures, and a stunning kitchen w/ white shaker cabinetry, granite countertops, stainless steel appliances, and a large breakfast bar for entertaining. The spacious living and dining areas flow seamlessly together, creating a bright and comfortable atmosphere. The updated bathroom adds a fresh, contemporary touch, while the screened porch provides the perfect place to relax and enjoy the peaceful, wooded backdrop. Outside, you'll find a detached garage with electricity, additional storage shed, ample parking, and a large backyard offering endless possibilities for recreation, gardening, or gatherings. Conveniently located near top-rated schools, shopping, dining, and more!

1073 Scenic Boulevard, South Chesapeake
$350,000
3 Beds ⋅ 1.1 Baths ⋅ 10652815 MLS
Bring your vision and make this one yours! Located in Chesapeake’s convenient Greenbrier area, this 3-bedroom, 1.5-bath home offers the perfect blank slate for a first-time buyer, downsizer, or anyone ready to create a space that reflects their own style. With an additional flexible bonus room, 2-car garage, and nearly half-acre lot, there’s plenty of room to personalize and add value along the way. Enjoy the freedom to update at your own pace and turn this home into exactly what you want it to be. Conveniently located near shopping, dining, major interstates, military bases, and everyday essentials. 1020 Vanderploeg Dr. is full of potential and ready for its next chapter! OPEN HOUSE FRI. 5-7pm & Sat. 10am - 12pm.

1020 Vanderploeg Drive, South Chesapeake

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.