I will leave you to figure out what I think the two most important ones are.
The third one (at least for Christians in the Western world) is what house to buy. This will have a BIG impact on your life.
If you live a long way from the church you belong to, the reality is you won't be very involved, particularly in the lives of other people.
If you take out a large mortgage (just like the banks want you to and the cultural norm is) you will become enslaved to debt. This will have a big effect on what job you and your spouse must keep. In turn that will impact on family time, travel, stress, church involvement, ....
I found the cartoon here.
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