Get a 20 year mortgage

IMHO: If you can't afford a house/condo unless you have a 30 year mortgage, you can't afford it. Add up those 10 years of payments and you'll find you could have bought the same house again. Compare that to a 20 year mortgage. You'll be shocked.

With a 20 year note, you'll be seriously paying down principal after "only" 8 years. This means you can also trade up sooner and take a lot of equity with you if your situation improves after 10 years. With a 30 year note after 10 years you've mostly just paid interest.

Also: Leasing a car makes total sense if you run a business, even if you use a significant percentage of the car privately (and pay tax on that). If you take care of the car, then you buy it from your company at the end of the lease and you know exactly the condition and can drive it for several more years (monthly payment free!) before it needs replacing. I've done this multiple times.