This was pretty much my experience as well, it didn't even really hit me until like a month after I moved in. Before then it was just a project. Same train of thought though. It also helped once I realized that a mortgage is basically just pretend money. As long as I don't completely thrash my house, or the market takes a nuclear missile on the chin, I'm going to be able to pay it all off pretty much whenever I want; I just need to sell the house. Problem solved, case closed. If you take care of the place, which seems like it'd be the case because everyone involved in this conversation seems to consistently talk about home improvements, you'll even make some money on the whole thing too. Also: Nah fam. You already got married. This is peanuts. You guys'll do great.