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$604,900
3 Beds ⋅ 2.1 Baths ⋅ 10649232 MLS
To Be Built - Low Loan Rate, low down, NO PMI! Sales center: GPS 369 Scotland Ln. Chesapeake OPEN S/S 12-4. Nestled in Greenbrier come visit the newest community by renowned local builder. Primrose Cottage welcomes you with a charming full front porch, soaring two-story foyer and family room, and beautiful hardwood flooring throughout the main living areas. Designed for easy living and entertaining with open layout connects the family room, dining area, and HGTV-inspired chef’s kitchen featuring oversized quartz island, custom hood & floating shelves, designer finishes, and mudroom. The first-floor primary suite offers a custom walk-in closet, spa-like bath with quartz dual vanity, tiled shower, and private laundry. Upstairs two spacious bedrooms, tons of storage and 2nd laundry room and Opt. for 4th BR or Loft. Professionally managed grounds for a low-maintenance lifestyle, giving you more time to enjoy the comfort, quality, and craftsmanship of your Primrose haven.

205 Maggie Bell Ln., Chesapeake

$604,900
3 Beds ⋅ 2.1 Baths ⋅ 10647287 MLS
To Be Built - Low Loan Rate, NO PMI! Nestled in Greenbrier, Joseph’s Meadow is the newest community by a renowned local builder. The Primrose Cottage welcomes you with a charming full front porch, soaring two-story family room, and beautiful Mohawk flooring throughout the main living areas. Designed for effortless living and entertaining, the open layout connects the family room, dining area, and HGTV-inspired chef’s kitchen featuring oversized quartz island, custom hood & floating shelves, designer finishes, and mudroom. The first-floor primary suite offers a custom walk-in closet, spa-like bath with quartz dual vanity, tiled shower, and private laundry. Upstairs two spacious bedrooms, tons of storage and large laundry room. (Opt. to add 4th BR or Loft) Professionally managed grounds provide a low-maintenance lifestyle, giving you more time to enjoy the comfort, quality, and craftsmanship of your Primrose haven. To be built to your specs from designer showroom. Intimate neighborhood with limited building opportunities.

MM Primrose A, Chesapeake

$603,740
5 Beds ⋅ 3 Baths ⋅ 10651293 MLS
Welcome to the 2511 sq ft Hayden model, offering a modern open-concept living space designed for both comfort and flexibility. The main level features a welcoming living room, a spacious dining room, and a well-appointed kitchen with walk-in pantry. The main floor also includes a full bedroom, a bathroom, and a versatile flex room, allowing you to create the ideal space for your family’s needs. Upstairs, an additional living space offers even more flexibility for a home office, playroom, or entertainment area. The large primary suite is a true retreat, featuring 2 large walk-in closets and a luxurious bathroom with separate vanities and a private water closet. The 2nd floor also includes a laundry room, a full bathroom, and three additional spacious bedrooms, ensuring plenty of room for everyone. The Hayden model is the perfect live-play-work home, offering flexible living spaces and modern amenities for today’s family, providing everything you need to live, work, and play in comfort. Photos and renderings are from builder's library, actual finishes and features may vary. Lot premiums may apply.

1416 Baptist Road, Yorktown

$603,740
5 Beds ⋅ 3 Baths ⋅ 10651280 MLS
Welcome to the 2511 sq ft Hayden model, offering a modern open-concept living space designed for both comfort and flexibility. The main level features a welcoming living room, a spacious dining room, and a well-appointed kitchen with walk-in pantry. The main floor also includes a full bedroom, a bathroom, and a versatile flex room, allowing you to create the ideal space for your family’s needs. Upstairs, an additional living space offers even more flexibility for a home office, playroom, or entertainment area. The large primary suite is a true retreat, featuring 2 large walk-in closets and a luxurious bathroom with separate vanities and a private water closet. The 2nd floor also includes a laundry room, a full bathroom, and three additional spacious bedrooms, ensuring plenty of room for everyone. The Hayden model is the perfect live-play-work home, offering flexible living spaces and modern amenities for today’s family, providing everything you need to live, work, and play in comfort. Photos and renderings are from builder's library, actual finishes and features may vary. Lot premiums may apply.

1404 Baptist Road, Yorktown

$603,740
5 Beds ⋅ 3 Baths ⋅ 10649334 MLS
Welcome to the 2511 sq ft Hayden model, offering a modern open-concept living space designed for both comfort and flexibility. The main level features a welcoming living room, a spacious dining room, and a well-appointed kitchen with walk-in pantry. The main floor also includes a full bedroom, a bathroom, and a versatile flex room, allowing you to create the ideal space for your family’s needs. Upstairs, an additional living space offers even more flexibility for a home office, playroom, or entertainment area. The large primary suite is a true retreat, featuring 2 large walk-in closets and a luxurious bathroom with separate vanities and a private water closet. The 2nd floor also includes a laundry room, a full bathroom, and three additional spacious bedrooms, ensuring plenty of room for everyone. The Hayden model is the perfect live-play-work home, offering flexible living spaces and modern amenities for today’s family, providing everything you need to live, work, and play in comfort. Photos and renderings are from builder's library, actual finishes and features may vary. Lot premiums may apply.

1314 Baptist Road, Yorktown

$603,740
5 Beds ⋅ 3 Baths ⋅ 10645108 MLS
Welcome to the 2511 sq ft Hayden model, offering a modern open-concept living space designed for both comfort and flexibility. The main level features a welcoming living room, a spacious dining room, and a well-appointed kitchen with walk-in pantry. The main floor also includes a full bedroom, a bathroom, and a versatile flex room, allowing you to create the ideal space for your family’s needs. Upstairs, an additional living space offers even more flexibility for a home office, playroom, or entertainment area. The large primary suite is a true retreat, featuring 2 large walk-in closets and a luxurious bathroom with separate vanities and a private water closet. The 2nd floor also includes a laundry room, a full bathroom, and three additional spacious bedrooms, ensuring plenty of room for everyone. The Hayden model is the perfect live-play-work home, offering flexible living spaces and modern amenities for today’s family, providing everything you need to live, work, and play in comfort. Photos and renderings are from builder's library, actual finishes and features may vary.

107 Gallop Way, Yorktown

$603,595
4 Beds ⋅ 2.1 Baths ⋅ 10640812 MLS
Limited time incentive: $10,000 anyway allowance when using seller's preferred lender for financing, listed price reflects $10,000 incentive off price of home, see agent for details. December Delivery. Elegant two-story home with approx. 2,652 square feet of meticulously designed living space. The main level boasts an open-concept layout with soaring 9-foot ceilings throughout. The heart of the home is the large kitchen, equipped w/tons of storage & countertops for meal prep & entertaining. A flex space on the first floor provides versatility for a home office, playroom, or den, catering to your household's needs. Upstairs, 4 spacious bedrooms ensure comfort for everyone & the large, upstairs laundry room simplifies household chores. Fenced back yard. Seller to pay up to $10,000 in closing cost assistance when using preferred lender, see agent for details. Buyer must register agent on or before 1st visit or 1st communication with listing agent & Agent must accompany Buyer on 1st visit, see agent for details. Photos & video are of other Everett's completed, not actual home, finishes vary.

2055 Charwood Drive, Chesapeake

$603,570
4 Beds ⋅ 2.1 Baths ⋅ 10655385 MLS
WELCOME HOME TO THE MONTCLAIR! This spacious 4-bedroom, 2.5-bath home offers approximately 2,199 sq. ft. in Mallory Pointe. The open-concept main level features a family room, dining area, and gourmet kitchen with center island, stainless steel appliances, and pantry. Upstairs, the private primary suite offers a walk-in closet and en-suite bath with double vanity and tiled shower. Three additional bedrooms, each with a walk-in closet, plus convenient second-floor laundry complete the home. Enjoy easy access to Downtown Smithfield, Windsor Castle Park, shopping, dining, Routes 10 & 17, Smithfield Foods, Riverside Hospital-Smithfield, Newport News Shipbuilding, and Langley AFB. Buyers may receive up to $30,000 in incentives when using the seller’s preferred lender. Schedule your tour today! Photos are of a similar decorated model.

2106 Wentworth Crossing, Smithfield

$602,570
4 Beds ⋅ 3.1 Baths ⋅ 10640024 MLS
Just 5 minutes over the NC line offers all the benefits of living less than 15 minutes to Edinburgh amenities in Chesapeake, VA while enjoying the lower tax rates that NC offers! Located just a couple of minutes from Shingle Landing Park, these 14 homesites with public water and natural gas, on a cul-de-sac, are sure to be a hit! Its time to choose your home design, choose your homesite, and tailor your colors and materials to just your style. Imagine kids outside playing, evenings beneath wide Carolina skies, and weekends spent enjoying the simple joy of being home. With beautifully crafted homes and thoughtfully planned layouts, Windswept Pines offers the kind of setting where memories are made and roots can grow deep. Appointments now available! NC#311996.

103 N Tall Pines Trail, Moyock

$601,990
5 Beds ⋅ 3 Baths ⋅ 10619086 MLS
The Davidson is a two-story, five-bedroom, three-bath home with a formal living room, formal dining room, spacious family room, kitchen with island and pantry, separate breakfast area, and first-floor guest suite with a full bath. The second floor features four bedrooms, including the primary bedroom with an attached, private primary bath, an additional full bath, a large laundry room, and a loft area. Options available to personalize this home include an office with French doors instead of the formal living room, a first-floor powder room or additional closet, a designer kitchen option, an alternate kitchen layout with a separate butler's pantry, sunroom, screen porch, or covered rear porch, luxury primary bath options, a Jack and Jill bath option, and an optional third floor with bedroom and full bath.

MM Mallory Pointe (Davidson), Smithfield

$601,740
4 Beds ⋅ 2.1 Baths ⋅ 10645199 MLS
Welcome to Smith Farm, a charming community in Suffolk, Virginia, featuring thoughtfully designed single-family homes with open-concept layouts and abundant natural light. Introducing The Salem, a beautifully crafted home designed for comfortable everyday living and effortless entertaining. The main level showcases a spacious family room, a gourmet kitchen, a casual dining area, a versatile flex room, and convenient first-floor laundry. The luxurious FIRST-FLOOR PRIMARY SUITE offers a private retreat complete with a large walk-in closet, walk-in shower, dual vanities, and a private water closet. Upstairs, you'll find three additional bedrooms, a full bath, and an expansive bonus room with two walk-in closets, providing exceptional space for recreation, work, or guests. Step outside and enjoy the outdoor patio, perfect for relaxing or entertaining. Located in the heart of Suffolk, VA, residents enjoy the perfect blend of small-town charm and modern convenience. Known for its rich history, scenic riverfront views, vibrant downtown district, parks, museums, festivals, and easy access to Hampton Roads, military bases, and surrounding metropolitan areas, Suffolk offers a lifestyle that truly has it all. Buyer incentives are available with the use of a preferred lender, making homeownership easier than ever. Enjoy an exceptional home-buying experience with an amazing sales team dedicated to helping you find the perfect place to call home. Photos are for illustrative purposes only; actual features, finishes, and options may vary.

1020 Eastport Place, Suffolk

$600,000
3 Beds ⋅ 3 Baths ⋅ 10654339 MLS
Escape to your own private retreat! This beautiful log cabin with a striking stone front is nestled on 11.22 acres of peaceful wooded scenery, offering privacy, space, and abundant wildlife. The main level features a spacious open kitchen and living area, perfect for gatherings and entertaining, along with a bedroom and full bath. Step outside to enjoy the wrap-around porch or relax in the sunroom. Upstairs you will find a large bedroom with two sliding doors leading to a private porch, a full bathroom and a loft, great for an additional bedroom. The walkout basement features a versatile in-law suite with it's own living room, kitchen and full bath. With flexible living space on every level, this one-of-a-kind property offers the perfect blend of rustic charm and functionality! Situated on the 11.22 acres, approximately 5 acres of buildable potential, providing plenty of room for future development.

3878 Bock Road Road, Barhamsville

$600,000
4 Beds ⋅ 2.1 Baths ⋅ 10652705 MLS
Welcome to Brandon Woods! This special community nestled on 50 acres & protected by proffered greenspace - never to be developed. This special neighborhood has only 110 homes nestled on property that have entrances on Ironbound Rd & John Tyler (RTE 5) - which makes for easy access to shopping, medical, dining & entertainment. Plus, close to New Town, Colonial Williamsburg & William & Mary. Brandon Woods is considered a landominum - the owners hold title to both the house & land (fee simple ownership) but the association provides much of the maintenance for the home & property. This home is an Avery design & is traditional yet transitional. The home has spacious rooms that promote easy living and gracious entertaining. A 1st floor primary suite with renovated ensuite bath, a large family room with custom bookcase and a beautiful east facing wall of windows plus a gas fireplace. A lovely kitchen which is a gourmet chef's delight: beautiful stone countertops, white cabinetry, custom island, gas range with Venta hood, great storage & wonderful workspace. Enjoy entertaining in the elegant dining room with tray ceiling & bay window. 2 or 3 bedrooms upstairs (one is currently used as an office) plus a finished area which is conditioned - exercise/storage or media room Roof 2023, other systems updated & maintained. Don't miss the wonderful enlarged deck with easy care trex like product -

3500 Danbury Place, Williamsburg

$600,000
4 Beds ⋅ 3.1 Baths ⋅ 10652329 MLS
Welcome home to this stunning 4BD, 3.5BA gem in sought-after Stonehouse — a friendly, family-oriented community with quiet streets, well-kept homes and great schools. Great for first-time buyers or any stage of life! A charming front porch leads to a foyer with a convenient office/study. The open-concept living area features a spacious living room with gas fireplace, flowing into a gorgeous eat-in kitchen with granite counters, stainless appliances, a large center island with prep sink and seating, abundant cabinetry, and a breakfast nook. Upstairs offers four generous bedrooms, including a primary suite with huge walk-in closet and en-suite bath. The finished basement adds space for a rec room, gym, or hobbies. Enjoy a private, level backyard, great for kids and pets. Community amenities include a pool, tennis courts, playground, fitness/community center, and walking trails, plus plenty of kids nearby. Easy access to I-64 for quick trips to shopping, dining, and entertainment!

9729 Goldenrod Court, Toano

$600,000
3 Beds ⋅ 2.1 Baths ⋅ 10650991 MLS
Country living at its finest! Beautiful home located on 1 acre; conveniently located near Hwy 460 for an easy commute to anywhere in Hampton Roads. This home is ready for entertaining with a salt water inground pool, fire pits, gazebo, and composite deck off of the back of the home. Inside the home you'll find an open floor plan downstairs with a lovely family room, open to a spacious kitchen with stainless steel appliances, separate dining room, large bedrooms w/ 1st floor large primary en-suite. Upstairs is a large finished room with endless opportunities for more entertainment with a pool table, area for watching your favorite sports, perfect for a home school family to have a library and plenty of space for learning and activities, or perfect space for your favorite hobbies. This is a home you do not want to miss seeing. Schedule your appointment TODAY!!!

13134 Shiloh Drive, Windsor

$600,000
7 Beds ⋅ 3 Baths ⋅ 10650754 MLS
If your dream includes waking to deer and wild turkey in the yard, room for every toy you own, and the freedom to live a little more outdoors, you've found your place in Sedley. Set on 2 peaceful acres with wooded views, this sprawling 7-bedroom, 3-bath home offers oversized bedrooms, inviting gathering spaces, an open kitchen with brand-new appliances, and a beautifully remodeled primary bath. Spend summer days by the huge pool, pick blueberries and blackberries, garden, raise chickens, or unwind beneath the country sky. Bring the RV, boat, ATVs, golf cart, and hunting gear, with ample parking plus a 2-story, 3-car garage, workshop, covered breezeway, and abundant storage. Here, mornings begin with nature, afternoons can be spent on the water from a nearby public boat ramp, and evenings cruising by golf cart or catching local baseball. This isn't just more space; it's the Sedley lifestyle you've been looking for.

18449 Sedley Road, Sedley

$600,000
4 Beds ⋅ 3 Baths ⋅ 10650133 MLS
Welcome to 121 Algonquin Trail in Shawboro, where space, flexibility, and a fantastic backyard come together! This 4-bedroom, 3-full-bath home offers a thoughtfully designed layout with three bedrooms conveniently located on the first floor. Engineered hardwood floors flow through the main living areas, while an additional flex room/office gives you the freedom to create a dedicated workspace, playroom, hobby room, or whatever best fits your lifestyle.Outside, the large fenced-in backyard offers plenty of room to spread out, entertain, garden, or simply enjoy the outdoors. Unwind in the hot tub at the end of the day, and take advantage of not one, but two garages! In addition to the attached garage, a detached two-car garage provides incredible extra space for vehicles, a workshop, storage, or your favorite hobbies.With a versatile floor plan, generous outdoor space, and storage options you don’t often find, 121 Algonquin Trail has the space to make it your own!

121 Algonquin Trail, Shawboro

$600,000
3 Beds ⋅ 2.1 Baths ⋅ 10648716 MLS
Stylish and sophisticated, this home will meet the expectations of your most discerning buyers. Special features include a sunroom, recessed lighting throughout, pull down steps to attic with flooring for storage, gourmet kitchen w/ huge island, wiring for generator w/plumbed gas line, stylish mud room, 2 zone HVAC paired w/smoke & carbon monoxide detectors. The primary bedroom features a tiered ceiling & recessed lighting, huge walk in closet, bath with soaking tub, 2 sinks, large tile shower. There is a built in wine fridge & cabinetry plus upstairs features an open office or home school room. A large 2 car garage w/sink & door opener, inviting porch, & rear patio adds to the easy living of this comfortable home. Backing up to an open area & community walking trail, the yard is open & ready for outside activities. Small neighborhood, no through traffic, cul de sac lot, near shopping & restaurants plus easy access to several major roads making it convenient to all Hampton Roads.

1013 Strawberry Court, Suffolk

$600,000
4 Beds ⋅ 2.1 Baths ⋅ 10647943 MLS
This stunning, all BRICK Ranch, integrates a charming blend of elegance, comfort and space combined with fantastic curb appeal with a most spectacular private rear yard Oasis. The Home showcases 4 bedrooms and 2 and one half baths, 2907 square feet on approximately 3/4 acre with gorgeous floral gardens, mature trees and masterfully designed landscaping. It offers an expansive Main Floor Primary Suite with a spa-like bath ensuite that includes double vanities, soaking tub & tiled shower with a large walk in closet. Staircase leads to optional 4th Bedroom/versatile Bonus room with closet above Oversized 2 Car Garage/Workshop with a separate exterior side entrance. Cathedral Ceiling in main living, open floor plan area with a gas fireplace, gleaming wood flooring, separate dining room, gourmet kitchen, stainless appliances, bar area & breakfast nook, 3 main level bedrooms & laundry, large front porch and a rear deck that overlooks the most spectacular backyard Oasis! This is "THE ONE"!

8776 Adams Drive E, Suffolk

$600,000
3 Beds ⋅ 2 Baths ⋅ 10641838 MLS
Welcome to your private fifteen acre sanctuary at 9632 Rowes Point Road. Originally built in 1900, this classic single family home has been completely remodeled from top to bottom, seamlessly marrying historic character with pristine, contemporary updates. Step inside to a bright, open interior featuring over 2,000 square feet of updated living space. The gourmet kitchen comes equipped with brand new stainless steel appliances, premium cabinets, and elegant quartz countertops. Infrastructure updates include a brand new roof on all buildings, new vinyl windows, a new water heater, and a water treatment system. The acreage features freshly cleared forestry mulched trails winding through the wooded portion of the property. The exterior also includes a large, detached two car garage with mechanic's pit and a workshop. Enjoy a quiet, rural escape just minutes from public boat landings. This stunning remodel is ready for you. Some pictures are virtually staged (AI generated).

9632 Rowes Point Road, Hayes

$599,999
5 Beds ⋅ 2.1 Baths ⋅ 10654590 MLS
Welcome home to 1937 Grey Friars Chase in the sought-after Bellamy Plantation neighborhood! Lovingly cared for by its original owner, this beautiful home offers a wonderful blend of comfort, thoughtful updates, and everyday functionality. The open-concept main level features durable LVP flooring, a renovated kitchen, and updated bathrooms. Enjoy added peace of mind with a newer HVAC system and roof. Outside, the spacious quarter-acre lot features an irrigation system supplied by a private well, making lawn care convenient and efficient. With its inviting layout, desirable updates, and prime Bellamy Plantation location, this well-loved home is ready to welcome its next chapter. Don’t miss the opportunity to make it yours!

1937 Grey Friars Chase, Virginia Beach

$599,999
4 Beds ⋅ 3 Baths ⋅ 10647231 MLS
Welcome home to this beautifully updated all-brick detached condo tucked away in a quiet, peaceful community. Enjoy relaxing mornings on the inviting covered front porch with porch swing or covered rear porch and patio overlooking the beautifully maintained yard with extensive irrigation upgrades and lush landscaping throughout. Designed for easy living, this home offers mostly one-level living with a spacious room over the garage featuring its own en-suite bath. The luxurious remodeled kitchen opens seamlessly to the living area and boasts top-of-the-line stainless steel appliances, granite countertops, and a walk-in pantry. Engineered bamboo flooring, fresh paint, updated lighting and ceiling fans, plus a whole-home gas generator add comfort and peace of mind. A massive walk-in attic offers incredible storage or future expansion. HVAC replaced in 2020, and a tankless water heater was installed in 2023.

522 Bells Hollow Court, Chesapeake

$599,999
4 Beds ⋅ 2 Baths ⋅ 10644979 MLS
Welcome to this beautifully remodeled all-brick ranch tucked into the peaceful Hickory area of Chesapeake, where country charm meets modern comfort on approximately 3 sprawling acres. This 4-bedroom, 2-bath gem has been thoughtfully updated from top to bottom, featuring luxury vinyl plank flooring, tiled showers, granite countertops, and stainless steel appliances throughout a bright, open layout made for both everyday living and easy entertaining. Step outside and fall in love with the lifestyle this property offers: relax on the covered front porch, host gatherings on the expansive rear deck, or unwind on your own private deck just off the primary suite. Dreaming of homegrown eggs? The property includes chicken coops, ready for you to raise your own flock and enjoy farm-fresh living right in your backyard. A newly poured driveway and a 50-AMP power pole with RV hookup round out the practical upgrades, making this move-in-ready retreat as functional as it is charming. With updated finishes, room to roam, and space to grow your own little homestead, this Chesapeake beauty is ready to welcome you home.

913 Long Ridge Road, Chesapeake

$599,999
4 Beds ⋅ 2.1 Baths ⋅ 10637323 MLS
Charming 4 Bedroom Beach Cottage with Timeless Character in the Heart of Historic Cape Charles! Tucked into one of Virginia’s most beloved coastal towns, this enchanting cottage is bursting with personality and charm. Beautiful hardwood floors flow throughout every room, creating a warm and inviting atmosphere that instantly feels like home. The thoughtful layout offers wonderful single-level living with a primary en-suite on the first floor, a spacious full kitchen with an eat-in dining room, a welcoming living room, and the convenience of first-floor laundry. Upstairs you will find three additional bedrooms, a full bath, and a fantastic second living room or a game room. Entertain on the screened-in porch, a retreat for morning coffee and evening sunsets. The Trex decking, fully fenced yard, and private outdoor shower make this home as functional as it is charming. Cape Charles itself is the crown jewel of Virginia’s Eastern Shore, a charming seaside town known for its pristine beaches, boutique shops, farm-to-table dining, and a small-town spirit. Hardwood floors throughout, a primary en-suite on the first floor, first-floor laundry, 2.5 bathrooms, Trex decking, a screened-in porch enjoyable year-round, a private outdoor shower, and a fully fenced yard, in the heart of historic Cape Charles. This is more than a home. It is a lifestyle. Come experience it for yourself.

637 Madison Avenue, Cape Charles

$599,998
4 Beds ⋅ 3 Baths ⋅ 10646632 MLS
Now offered at $599,998! Rare no-HOA Warrington Estates brick ranch with solid brick construction, 4BR/3BA main-level living, 0.45-acre cul-de-sac lot, immense driveway, 4 total garage spaces, and detached finished flex space. Major high-cost components are already handled, including 2018 architectural roof, transferable lifetime window warranty, brand-new 17 SEER A/C, efficient gas water heater, irrigation, fresh modern light paint, updated flooring, real hardwood, smart-home features, and Bose Lifestyle surround sound that conveys for theater-like enjoyment. The detached 2-car garage/flex building is insulated, walled, painted, carpeted/finished, and highly usable as-is. With minor changes and buyer due diligence, it offers maximum flexibility for office, gym, workshop, recreation, hobbies, storage, guest overflow, or multi-generational living possibilities. Slate pool table conveys. See the value beyond recorded square footage.

321 Saint Brie E, Suffolk

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.