Did I make a mistake in Financing? How long do you finance?

Just a comment, not directed at anyone. From my personal experience, and observation of other folks. It is easy to spend every dime you make. And it is easy to never spend anything, and hence never do anything.

Both approaches, it seems to me, don't generate much happyness.

The middle ground between those two, is what I think is the right approach.

But that, is more difficult to do, than the other two. At least in my opinion