I Think everything has time when to do and when not to do what you want to do, for instance you can place priority to that place you took as your home, not primarily your place where you from but a place you most live there. Then if there were to be money you can also decides to raise whatever building you wan.. There are people who hadn't even think of having a building of their own they may decide to remain over as tenant yet still haven't planned.  All you mentioned are all essential for life but the major thing need is what you intake for yourself to give you energy to survive as living being.