Hey! `i read with a great interest.
You provoke me for a few uncomfortable thoughts - was It a right choice to acquire a few possessions like a little kid and mortgage. Joking...
Also you are so lucky with a climate. Wandering around with a backpack while it's -20 5 months in a year is not a great option, obviously. Either you have thick walls and a roof above your head or you dead in such case.
Take care!