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4005 Atlantic Avenue Unit 111, Northeast Virginia Beach
$360,000
1 Beds ⋅ 1 Baths ⋅ 10654307 MLS
Come see this amazing oceanfront condo, perfectly located poolside with breathtaking views. This charming gem comes fully furnished and is move-in ready, featuring a queen-size bed and stylish decor throughout. Relax by the pool or grill on the private oceanfront lawn—just steps from your front door. Wake up to stunning sunrises and enjoy frequent dolphin sightings right from the property. Experience the best of beach living with easy access to the boardwalk, along with nearby art and music festivals, shops, and restaurants. An on-site laundry facility adds everyday convenience. HOA dues cover water, electricity, cable, sewer, trash, as well as pool, grounds maintenance and land lease. This property also presents a fantastic investment opportunity for short-term rentals and AirBnB. Schedule your tour today!

4005 Atlantic Avenue Unit 111, Northeast Virginia Beach
236 Shipps Lane, Northeast Virginia Beach
$409,900
4 Beds ⋅ 2 Baths ⋅ 10654421 MLS
Beautifully remodeled 4-bedroom, 2-bath home in Virginia Beach! This move-in-ready property has been completely updated with a new modern kitchen featuring all-new stainless steel appliances, 100% waterproof LVP flooring, new carpet, beautifully renovated bathrooms, HVAC system, water, and roof. The home also features a spacious garage and expansive outdoor space, offering plenty of room for entertaining, recreation, or relaxing outdoors. Conveniently located in the Oceana area with easy access to NAS Oceana, shopping, dining, major roadways, and the Virginia Beach Oceanfront. Don't miss the opportunity to make this beautifully renovated home yours!

236 Shipps Lane, Northeast Virginia Beach
3821 Aberdeen Court, South Central 2 Virginia Beach
$359,900
3 Beds ⋅ 2 Baths ⋅ 10654402 MLS
Charming ranch with beautiful updates throughout. New windows fill the home with natural light and complement the welcoming floor plan. Freshly painted throughout, the interior features new laminate and carpet flooring, along with new lighting. Three spacious bedrooms and two full bathrooms provide comfortable living space, with both bathrooms updated. The cozy living room features a fireplace and flows into the dining area and updated kitchen, which offers new granite countertops, sleek cabinetry, and stainless steel appliances. Sliding glass doors in the kitchen open to the fenced backyard with patio. With its thoughtful updates and comfortable layout, this home is ready to welcome its new owners. Schedule your private tour today!

3821 Aberdeen Court, South Central 2 Virginia Beach
751 Spence Circle, South Central 2 Virginia Beach
$280,000
3 Beds ⋅ 1.1 Baths ⋅ 10654373 MLS
Check out this well maintained, ready to move in, end unit townhome in the Timberlake Community. Private fenced backyard. Centrally located in Virginia Beach, minutes from Town Center, Mount Trashmore, and I-264.

751 Spence Circle, South Central 2 Virginia Beach
3759 Rockbridge Road, Northwest Virginia Beach
$400,000
2 Beds ⋅ 1.1 Baths ⋅ 10654015 MLS
Welcome to this beautiful 2-bedroom, 1.5-bath home in the highly desirable Ocean Park area of Virginia Beach! The bright, inviting interior offers an easy-flowing floor plan with stylish updates throughout. Enjoy the convenience of being just minutes from the Chesapeake Bay, with easy access to Chix beach, local restaurants, shopping and recreation. Two dedicated parking spaces and a low-maintenance lifestyle make this home an ideal primary residence, weekend retreat, or investment opportunity. Enjoy all that this sought-after coastal Virginia Beach location has to offer!

3759 Rockbridge Road, Northwest Virginia Beach
5336 Beaufain Boulevard, Southwest 2 Virginia Beach
$495,000
4 Beds ⋅ 2.1 Baths ⋅ 10654372 MLS
Welcome home to this beautifully refreshed property where classic charm meets a bright coastal-inspired design! Step inside to a light and inviting interior featuring updated finishes, warm-toned flooring, fresh neutral paint, and an open living area perfect for relaxing or entertaining. The spacious dining room flows seamlessly into the living space, creating an easy, functional layout. The updated kitchen offers a clean, modern feel with stylish finishes and plenty of natural light. Generously sized bedrooms provide comfortable living space, while the updated bathrooms feature contemporary fixtures and finishes. Outside, enjoy your own private retreat with a sparkling in-ground pool, expansive patio area, mature trees, and a fully fenced yard—ideal for summer gatherings or quiet afternoons at home. A detached garage provides additional parking and storage, while the separate outdoor spaces offer plenty of flexibility. With its inviting interior, private backyard oasis, and thoughtful

5336 Beaufain Boulevard, Southwest 2 Virginia Beach
773 Whitehurst Landing Road, Southwest 1 Virginia Beach
$300,000
3 Beds ⋅ 2.1 Baths ⋅ 10654334 MLS
Sought-after Kempsville location! This all-brick 3-bedroom, 2.5-bath townhome offers approximately 1,600 sq. ft. and a great opportunity to make it your own. Freshly painted throughout, with brand-new carpet upstairs and LVP flooring throughout the entire downstairs. The kitchen features granite countertops, while newer windows and a roof less than 10 years old provide additional peace of mind.Upstairs, you’ll find two generously sized bedrooms—both offering the space and feel of a primary suite, with one featuring its own private bath. With several important updates already completed, you can focus on adding your own finishing touches and personal style. Conveniently located in the heart of Kempsville with easy access to shopping, dining, schools, and major roadways.

773 Whitehurst Landing Road, Southwest 1 Virginia Beach
5358 Palmyra Court, Southwest 1 Virginia Beach
$298,000
3 Beds ⋅ 1.1 Baths ⋅ 10654304 MLS
Welcome to this spacious 3-bedroom, 1.5-bath townhome offering approximately 1,500 square feet of comfortable living space in Virginia Beach. The home features a bright kitchen with generous cabinet and counter space, a dedicated dining area, and a functional layout with plenty of room for everyday living and entertaining. Step outside to a fully fenced backyard with a storage shed, providing private outdoor space for relaxing, gardening, or gatherings. Additional features include central air, electric heat, washer and dryer hookups, and two assigned parking spaces. Conveniently located near shopping, dining, schools, military bases, and major roadways.

5358 Palmyra Court, Southwest 1 Virginia Beach
2313 Beach Haven Drive Unit 102, Northeast Virginia Beach
$499,900
3 Beds ⋅ 2 Baths ⋅ 10654055 MLS
Imagine your new home or getaway at the BEACH! This updated 3 bedroom 2 bath condo is located in the gated community in the Shore Drive Area where restaurants and boating are within minutes! The Beach access is next to the beautiful community pool, cabana/bar and grills along with gorgeous views of the Chesapeake Bay! This first floor unit eliminates the need of outdoor stairs to the front door. Once inside you will enjoy the open floor plan with high ceilings for an even more spacious feel! The white kitchen features stainless steel appliances, granite countertops, tile backsplash and an area for bar stools. The large great room has a gas fireplace and access to the private patio outside. The primary suite can easily accommodate a king size bed along with a wonderful large primary bath which has double bowl sink vanity along with a tile shower and jetted tub! There are two parking spaces, one assigned and one guest. Up to 2 pets allowed 50 lbs. or less each.

2313 Beach Haven Drive Unit 102, Northeast Virginia Beach
4804 Almandine Avenue, Southwest 2 Virginia Beach
$354,999
3 Beds ⋅ 3.1 Baths ⋅ 10654245 MLS
TURNKEY townhome-living in the perfect location of Virginia Beach! Less than 2 miles to Town Center + quick travel to I264, VB Oceanfront & an easy tunnel-free commute to NAS Oceana, JEB Little Creek & Naval Station Norfolk! Clean & Maintained home with Luxury features: New LVP, crown molding, tray ceiling, high ceilings, oversized windows and smart features! Generous 1880 SF floorplan has a 2-car garage, balcony & 3 bedrooms – each with their own ensuite bath, a perfect set up for multi-gen living or office space! Kitchen features: pantry, breakfast bar, neutral Corian counters with stainless steel appliances, Samsung Smart refrigerator w/wifi, soft close cabinetry + 42" upper cabinets! Monthly fees include: pool, clubhouse, trash, dog park, playground and Spectrum cable/internet! Smart home: Yale Assure Lock2 w/ Apple Key, Google Nest doorbell, myQ Smart garage door system, Wyze camera in garage & dedicated network/structured wiring closet! Washer & dryer replaced 7/26!

4804 Almandine Avenue, Southwest 2 Virginia Beach
714 Spence Circle, South Central 2 Virginia Beach
$289,900
3 Beds ⋅ 1.1 Baths ⋅ 10654231 MLS
Come take a look and this charming 3 bed 1.5 end unit townhome. Gorgeous Laminate flooring throughout with carpet on stairs. Updated kitchen to include cabinets and countertops. Breakfast area and good size family room .You will love the nice size master bedroom  along with 2 additional  good sized bedrooms. Privacy fenced backyard for you enjoyment. Neighborhood features clubhouse & pool. In the past 3 years windows, flooring and paint have been updated. This is a must see!!!

714 Spence Circle, South Central 2 Virginia Beach
1012 Towanda Road, Southwest 1 Virginia Beach
$449,000
5 Beds ⋅ 3 Baths ⋅ 10654303 MLS
This stunning, turn-key one-story home checks all the boxes. Enjoy this home, remodeled in 2026 with a new roof, new driveway, new windows, updated kitchen with shaker cabinets and stone tops, updated baths with tile, a new water heater, a new 2-zone HVAC system, new flooring, modern fixtures and fresh paint. Enjoy ultimate peace of mind with brand-new interior/exterior water and sewer lines. The spacious layout boasts a formal dining room and open living spaces. Enjoy quiet evenings in the private backyard and so much more. Come see it today!

1012 Towanda Road, Southwest 1 Virginia Beach
3237 Manor Glenn Court, South Central 1 Virginia Beach
$265,000
3 Beds ⋅ 2.1 Baths ⋅ 10653855 MLS
Welcome to 3237 Manor Glenn Court— a charming 3-bedroom, 2.5-bathroom Virginia Beach home nestled on a quiet cul-de-sac and priced to SELL! Step outside into your private backyard oasis, anchored by a magnificent, mature tree providing cool canopy shade all summer long. Paired with a brand-new fence, this backyard offers a safe space to relax, entertain, and enjoy the great outdoors! Inside, you'll find an inviting layout designed for comfortable living and low-maintenance convenience. Ideally situated near shopping, dining, and local military bases, this gem delivers the perfect combination of location, updates, and value. Opportunities like this don't last—schedule your showing today before it's gone!

3237 Manor Glenn Court, South Central 1 Virginia Beach
3588 Windmill Drive, South Central 2 Virginia Beach
$274,500
3 Beds ⋅ 1.1 Baths ⋅ 10654248 MLS
VERY WELL KEPT UP UNIT BACKYARD ACCESS TO A HUGE OPEN FIELD. JUST REMODELED IN 2018 HVAC, WATER HEATER, ELECTRICAL PANEL, (SWITCHES AND OUTLETS). CABINETRY, COUNTER TOPS, DOORS,TRIM WORK, LIGHTING FIXTURES PLUS NEW ROOF IN LAST 2 YEARS. SPACIOUS PRIMARY SUITE WITH WALK IN CLOSET. HALF OF ROOF RECENTLY REPLACED AND SHED ROOF REPLACED. FRESHLY PAINTED, NEWER LAMINATE FLOORING AND CARPETING , HOME HAS BEEN CLEANED TOP TO BOTTOM. LOW POA OF $30.00. LOCATED IN THE HEART OF VIRGINIA BEACH.

3588 Windmill Drive, South Central 2 Virginia Beach
604 Virginius Drive, North Central Virginia Beach
$439,000
3 Beds ⋅ 2 Baths ⋅ 10654274 MLS
Stunning and ready to move in! Fresh paint throughout including walls and ceiling, hardwood floors refinished, popcorn ceilings removed, Brand New Primary Bath, New light fixtures throughout, Brand New Deck. 3 bedrooms, 2 baths, Living Room, Dining Room, plus a Family Room. Roof replaced, new vapor barrier in crawl space, brand new hot water recirc pump, the list goes on. This home has been owned and loved by one family for many years. Near Towne Center, restaurants, shopping, and interstate.

604 Virginius Drive, North Central Virginia Beach
5924 Buckminister Lane, Northwest Virginia Beach
$290,000
4 Beds ⋅ 2.1 Baths ⋅ 10654256 MLS
Welcome Home! New flooring, fresh paint, and move-in ready! This end-unit townhome with NO HOA fee offers an attached one-car garage, fully fenced backyard, and a convenient downstairs half bath. Enjoy cozy evenings by the fireplace or relax on the patio overlooking your private backyard. The main level features an eat-in kitchen, spacious living room, dedicated laundry room, and flexible space perfect for a home office, playroom, or additional living area. Loft Storage in Garage. Conveniently located near Batten University, I-64, Norfolk International Airport, and JEB Little Creek, making commuting and everyday living a breeze. Stop Looking & Start Living!

5924 Buckminister Lane, Northwest Virginia Beach
3508 Mountain Drive, South Central 2 Virginia Beach
$279,000
3 Beds ⋅ 1.1 Baths ⋅ 10654261 MLS
Charming and move-in ready! This fully renovated 3 bed, 1.5 bath townhome has been thoughtfully updated throughout. Enjoy modern finishes, a functional layout, and your own private deck out back — perfect for relaxing or entertaining. Don't miss this one!

3508 Mountain Drive, South Central 2 Virginia Beach
516 Elmo Trower Lane, Northeast Virginia Beach
$499,900
3 Beds ⋅ 2.1 Baths ⋅ 10654116 MLS
Beautiful Birdneck Crossing! This is the one! This well maintained townhouse home boasts 9ft ceilings, hardwood floors throughout living areas and bedrooms with new carpet in the family room. The kitchen has stainless steel appliances, gas chef's range, large island perfect for entertaining your next gathering. The home is freshly painted to include the walls, baseboards and trim. No yard work means more fun. Blocks from oceanfront, Restaurants, shops and near the interstate. You will absolutely Love this location! Move-in ready!

516 Elmo Trower Lane, Northeast Virginia Beach
1114 Vermilya Court, Southeast Virginia Beach
$269,900
2 Beds ⋅ 1 Baths ⋅ 10653691 MLS
Welcome to 1114 Vermilya Court! This charming 2-bedroom townhome offers an affordable opportunity to own a low-maintenance home in a convenient Virginia Beach location. The updated kitchen features newer stainless steel appliances and granite countertops, while LVP flooring in the main living area provides a clean, modern look with easy upkeep. Outside, enjoy your own private, fenced backyard with a deck, offering a great spot to relax, grill, or entertain. Conveniently located near NAS Oceana and Dam Neck Annex, with shopping, dining, and everyday conveniences nearby. Whether you're a first-time buyer, military member, or looking for an investment property, this home is worth a look. All appliances convey. No HOA or condo fees! Some listing images contain AI-generated virtual staging. Call or click today to schedule your showing!

1114 Vermilya Court, Southeast Virginia Beach
3417 Crimson Holly Lane, South Central 2 Virginia Beach
$240,000
2 Beds ⋅ 1.1 Baths ⋅ 10654234 MLS
Stop and look at this adorable Townhome!! perfect for 1st time home buyer(s) and/or investor special!! Unit is in great shape - updated kitchen and so much more! Schedule today to view on the inside before this one is SOLD!!

3417 Crimson Holly Lane, South Central 2 Virginia Beach
4924 Shallowford Circle, Southwest 2 Virginia Beach
$295,000
2 Beds ⋅ 2.1 Baths ⋅ 10654070 MLS
Don’t miss this beautiful, updated condo in the heart of Virginia Beach! Ideally located with convenient access to major interstates, military bases, hospitals, Town Center, shopping, and schools, this home offers both comfort and a convenient location. Inside and out, the condo has been freshly painted and features updated LVP flooring, refreshed kitchen cabinets, elegant granite countertops, and the polybutylene pipes were replaced! Enjoy low-maintenance living with ground maintenance, water, sewer, trash, and pool privileges all included in the condo fee. And when it’s time to relax or get outdoors, Dunbarton City Park is just minutes from your doorstep! Come see all this move-in-ready condo has to offer—it won’t last long!

4924 Shallowford Circle, Southwest 2 Virginia Beach
1504 Snowbird Court, Southeast Virginia Beach
$365,000
3 Beds ⋅ 2 Baths ⋅ 10654058 MLS
Welcome home to this move-in ready ranch in the highly desirable Redwing neighborhood! This beautifully updated home features luxury vinyl plank (LVP) flooring, modern fixtures, vinyl windows, and thoughtful upgrades throughout. Professionally converted garage makes for an expansive open living area with wood burning fireplace. The galley-style kitchen is equipped with brand-new ss appliances, making meal preparation a breeze. Head outside to enjoy one of the largest yards in the neighborhood, perfect for entertaining or relaxing. The large, fully privacy-fenced backyard includes a new gate and offers endless possibilities for gardening, a playset, pets, or evenings gathered around a fire pit. Ideally located in the General Booth corridor, this home provides quick access to local beaches, military installations, shopping, dining, and major interstates. Definitely one of the most affordable detached single family homes in this area of Virginia Beach. Make it yours today.

1504 Snowbird Court, Southeast Virginia Beach
3625 Van Buren Drive, South Central 1 Virginia Beach
$375,000
4 Beds ⋅ 2 Baths ⋅ 10654191 MLS
Don’t miss this charming 4-bedroom, 2-bath brick ranch on a spacious corner lot in Virginia Beach! Well maintained and filled with character, this home offers the perfect opportunity to create a space that truly reflects your style. Beautiful original parquet flooring and a cozy wood-burning fireplace add warmth and timeless charm, while important major updates provide peace of mind, including an upgraded 200-amp electrical panel, 14-SEER HVAC with new ductwork, high-efficiency water heater, newer roof, and a brand-new garage door. Outside, the large fully fenced yard is a rare find, featuring a double gate with ample room for a motorhome, boat, trailer, or recreational equipment. With four bedrooms, two full baths, a corner lot, and plenty of room inside and out, there’s space for everyone and endless potential to make this home your own. NO FLOOD INSURANCE REQUIRED!

3625 Van Buren Drive, South Central 1 Virginia Beach
891 24th Street, Northeast Virginia Beach
$430,000
3 Beds ⋅ 2.1 Baths ⋅ 10653825 MLS
Welcome to life at the beach. Come see this charming 3bed 2.5 bath townhome, 6 blocks from the beach. The back yard has composite decking, outdoor lighting, retractable pergola, 6 person jacuzzi and a 55inch tv with surround sound, making it a great place to relax or entertain. Inside you have a spacious primary with 2 closets, an eat in kitchen, newer LVP downstairs, and fresh paint throughout. An 8ft privacy fence only 2 years old. Roof is a 50 year GAF roof with transferrable warranty. HOA dues are $40 a month to cover front yard ground maintenance.

891 24th Street, Northeast Virginia Beach
3214 Inlet Shore Court, Northeast Virginia Beach
$440,500
2 Beds ⋅ 2.1 Baths ⋅ 10654178 MLS
Just one block from the Chesapeake Bay! Enjoy the best of coastal living in this spacious 3-level townhome-style condo, ideally located for an easy walk to the beach, popular local eateries and parks. Backing to the Cape Henry Trail, you can walk or bike right from home! Light-filled, open living spaces feature beautiful hardwood floors, a fireplace and four balconies. The kitchen offers granite countertops, stainless appliances, plus a newly added gas line and gas range. Dual primary bedrooms each offer a private renovated bath, including an impressive tiled walk-in shower or tub/shower. Ground-floor office provides flexible space for work or guests. All-new decks, 2-car pull-forward garage with storage, 2020 heat and water heater. Walk to the Bay, grab dinner at a favorite neighborhood spot, bike the trail and come home to your own coastal retreat!

3214 Inlet Shore Court, Northeast Virginia Beach
2889 Rose Garden Way, South Central 2 Virginia Beach
$325,000
3 Beds ⋅ 2 Baths ⋅ 10654176 MLS
Enjoy easy, carefree 55+ living in this light-filled 2nd-floor condo with chairlift for ease of access! The spacious great room flows into the dining area and open kitchen and opens to a covered Trex deck overlooking the lawn and peaceful park-like green space—perfect for morning coffee or relaxing with friends. The kitchen features upgraded white cabinetry, breakfast bar and adjoining pantry/utility room. Spacious primary suite offers a walk-in closet and ensuite bath with double sinks and 5' shower. Two generous guest bedrooms, each with walk-in closets, offer flexibility for visitors, hobbies or an office. Huge 2-car garage provides exceptional storage. Neutral décor and crown molding add to the appeal. Enjoy an active 55+ lifestyle with fitness center, pool, clubhouse, social spaces and a full calendar of activities. Come experience the lifestyle!

2889 Rose Garden Way, South Central 2 Virginia Beach
221 Market Street Unit 214, Northwest Virginia Beach
$315,000
1 Beds ⋅ 1 Baths ⋅ 10653950 MLS
Location & Lifestyle of Convenience!!! Own or invest as rentals permitted. Luxury condo in the heart of Virginia Beach Town Center next to The Sandler Center & across from The Westin. Contract soon and choose your new flooring throughout the entire living area! Bathroom is ceramic tile. Secured entry building with 2 elevators & a rooftop terrace to enjoy sunrise and sunsets and even watch the New Years Eve ball drop! Open contemporary space w/12 feet ceilings, concrete between floors for exceptional sound proofing, ample closets & loft storage, exposed industrial beams, leathered granite, stainless appliances & more! Floor to ceiling windows with privacy shades allowing natural light & city views from your balcony. Reserved garage parking available just a half a block away as well as street & lot parking just outside the entrance. Walk out your door and enjoy dining, entertainment, music, arts, and shopping! Sandler Center, Z Theatre, Ruth Chris, Brewery, YardHouse, Quirks, Taste, CA Kitchen, Cheesecake Factory, Bravo, Cantina, & many more! Convenient location to interstate, oceanfront, bases, airport, shopping, restaurants & more. Remote entry, Mailroom & Convenient trash chutes. Photos displayed are prior to tenant move in for tenant privacy.

221 Market Street Unit 214, Northwest Virginia Beach
4216 Grove Court, South Central 2 Virginia Beach
$480,000
4 Beds ⋅ 2.1 Baths ⋅ 10654168 MLS
This completely remodeled 4-bedroom, 3-bathroom modern style, quality & craftsmanship, and high-end finishes throughout. The stunning kitchen features beautiful quartz countertops, stylish finishes, and brand new appliances. The beautifully renovated bathrooms showcase gorgeous tile showers and contemporary fixtures. Major updates includes new roof, new windows, new flooring, updated electrical and plumbing, and extensive interior renovations. Every detail has been thoughtfully designed to create a stylish comfortable, and truly move-in ready home. With spacious living areas, modern finishes and a convenient Virginia Beach location, this home is a must-see!

4216 Grove Court, South Central 2 Virginia Beach
2089 Munden Point Road, Southeast Virginia Beach
$499,900
4 Beds ⋅ 2 Baths ⋅ 10654156 MLS
Embrace the space, flexibility, and peaceful setting of Pungo living on this beautiful half-acre property! This unique home offers three functional levels with plenty of room to spread out, including four bedrooms plus flexible bonus space that could easily serve as a den, home office, playroom, or potential in-law bedroom. The main level features a spacious, open living and dining area, creating an inviting space for everyday living and entertaining. Enjoy the best of indoor-outdoor living with both front and back porches overlooking the incredible surrounding countryside views. Tucked away in the sought-after Pungo area while still conveniently located near North Landing Beach Campground and Munden Point Golf Course, this property offers the perfect blend of space, versatility, and relaxed Virginia Beach living.

2089 Munden Point Road, Southeast Virginia Beach
4800 Frostburg Lane, Northwest Virginia Beach
$409,900
4 Beds ⋅ 2 Baths ⋅ 10653484 MLS
Tucked into Aragona Village, this 4 bedroom, 2 bath home has been refreshed from top to bottom. Refinished hardwood floors glow through the main living spaces downstairs, brand new flooring runs throughout the upstairs, and both bathrooms have been fully renovated, so the whole house feels crisp and move-in ready. Out front, a big shade tree stretches over the porch, the kind of spot where whole evenings slip by. Out back, the oversized yard has room to play, garden, and entertain. Plus a large workshop with space for some serious storage, most nearby homes simply don't have. You're minutes from the sandy shoreline at Chick's Beach, close to Pembroke and Town Center for dining and shopping and convenient to the interstate and military bases. Aragona Village is one of those established neighborhoods where people stay, and this home is ready for its next chapter.

4800 Frostburg Lane, Northwest Virginia Beach

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.