Add a new forum called Financial. People can use this to discuss foreclosures, retirement, taxes, and share ideas to help others out.
Personal is the board for this. Creating boards that won't get used will just make the site even less active.
I did not mean to create a "top level" called Financial. I meant have it under "Personal". Sorry I forgot to mention that. I figured if it were there, people would talk about such things.
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Then you want to start one or a few threads, wait until personal has many active financial threads (not gonna happen) before requesting a board. Threads do not have to be short or focus on only one poster's question, start a general-purpose thread and see what happens.
Also, creating sub-boards would destroy the flat hierarchy, which allows regulars to visit boards by remembering the URLs.