But Major Ones
Everyone believes that turning 21 is a big deal. You get a key. Not just any ol' bronze key that your parents decide to make as a duplicate for you so that you can leave or enter the house without getting anyone else to open or close the door for you. No...you get a special, symbolic key (a gold or platinum one if you're a girl and a butter, flour and egg one if you're a guy. I've yet to hear of a guy getting a key to wear around his neck).
This key is supposed to reflect the freedom that one obtains (which is never quite unconditional) and is a mark for coming of age (legal age for alcohol, cigarettes, clubbing, voting, no more P plates etc). It is the age when you are supposed to be, legally, mentally and physically, an adult.
Which is exactly the way I feel right now, since we got our house keys. I've truly crossed miles from the boundaries of the world of an adult, just like millions of other people out there who have their own place. Another major step in the world of adulthood - owning your own place and having the freedom to do anything you want with and in the house. Absolutely ANYTHING.
But this freedom is not without a price. A mortgage, a budget and being perpetually close to being broke. A price that has to be paid for freedom. A price that we will have to pay for the rest of our lives (unless we get lucky and strike big in the lottery!).
Then again, if you think about it, perhaps it is a small price to pay for the experience of owning your own house...and making it into your home. Perhaps you can't put a dollar figure on something so monumental. Perhaps it's like what they say in the MasterCard ads...priceless.
p/s - Will try to remember to take some pics of the empty house and post it.