All throughout my Animal Crossing: New Horizons playthrough, I've been a victim of my own laissez-faire attitude to planning. I have moved six houses, demolished a bridge, moved the museum and the shop. All because, at the time, the decision of where to put them was in my way.
When you pay off your home loan, as in life, you get the chance to enjoy a new pace of living, but the lack of structure can be demotivating.
Animal Crossing has a feature called the Stalk Market. You buy turnips once a week then hedge your bets on making a return.
I'm really fortunate to be part of a group of people who are pretty much all playing Animal Crossing right now