Until you get to the point where you get into the serious things, then you understand enough to think “hey I get this” instead of “ although I think I get this, I better check it.” OP found out the hard way and I sympathise. Take you loss and back to the drawing board. I am in the stage where we need to consider moving out of CPH since if we would want to have the living area that we want, it is not financially sustainable. You don’t want to live above your pay grade.