I have bought 5 houses. 7.5% was the highest interest. 2.5% the lowest. Refinanced 3 or 4 times on different houses.

Things I have learned.

My anticipated income did not come to fruition for many many years.

No house is a dream house. Tastes change, family size changes, areas change. None is the ultimate. I would need 4 at once to satisfy every want. Beach, Lake, Ski, home. All you need is a 1 roof. The other 3 are for fun and vacations. Renting is cheaper than buying.

Our least favorite house is by far the longest place I have lived in.

Many people live in low tax states and many send their kids to private schools.

Most of my friends drive nicer cars than me.

Save more than you think you can afford. I thank my young self for maxing my 401K every year over 25+ years. Roth 401K for several years too.

The cost of owning a house has historically benefited one's financial situation but taxes, roofs, association fees, maintenance, insurance, etc. all cost something. Prepare and anticipate. During Covid I bought 3 refrigerators, 2 ovens, a dishwasher, and a microwave. All with in 6 months. They don't make them like they used to.

Put money into a 529. You can pass it on and/or roll it into an Roth IRA in the kids name. 30K I think. You, spouse, nieces, nephews, grandchildren, can all use it too.

Do not commute. By far the largest negative to this job. I hate it.

Sometimes I feel like an absent dad. That is part of the job. For some reason my spouse and kids still like me. At least I think they do.

Enjoy the ride. It's a wonderful job. Take care of your health. Tell your spouse how beautiful they are, hug the kids, and give back. Someone helped each and every one of us along the way. Give it back.