Exactly there: by refraining from satisfying the needs of distant futures.
Isn't it more expensive in the long run to rebuild in 10-15 years? And even a bungalow needs a roof, a flat roof won't work, a hipped roof and a half-hipped roof are, as far as I know, more expensive than a gable roof. So it would make sense to build a one-and-a-half-storey house right away but only finish the ground floor as living space now and then finish the upper floor or attic when there is a need, I need a roof anyway. Especially since a house is meant to last for life if I go into debt.