Regarding your question about what I took away.
I will probably wait until 30.
Furthermore, I will try to maybe include my girlfriend's equity, then possibly my wife's, into the house. But contractually regulated.
Hide my lifestyle a bit, since it has met a lot of resistance.
Increase my income.
I will keep the rest as it was.
One goes on vacation, and I just go to the forest =) Everyone as they please