Well done, something to also consider is the size of your home in regards to the debt, do you really need a massive home?
While having young kids at home you do need space, once they leave home you are left with heating and keeping all that space cool.
Picture 2 old folks having to maintain it when they are in their 70's and 80's.
Aging in place before you build is something to consider.
Bending over to tend to a garden is also something hard to do. So raised beds need to be considered.
When we are young we do not consider many of the things that will impact our living.
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Very sober points!
Magic time machine and go back to visit my younger self and there would be so many changes...