It could be day-to-day stuff, stuff that compounds over time, etc. Time horizons are important to consider because you should have greater confidence in what you want now than what you think you-in-10-years will want, but in my frame desire = your flavor of happiness/satisfaction
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Consider: you get a job in the city center & commute ~1 hour each way. You lose ~10 hours/day, but if you got a more expensive apartment nearby you could do ~8.5 hours/day. Even if you buy your time back @ the same rate you sell it, now you’re locked into a new long-term expense
That kind of scenario is very plausible even if you’re super zen about what you own, and it’s easy to see how you might notice the benefits of buying yourself time but not the cost of shackling yourself to your current income w/ a lease agreement & the overhead of moving
