the 4th year of home owner ship like every year your naturally smarter than before but your slacking off so issues from the previous year your naturally aware but sometimes slack off. also your home is actually becoming a home. so your actually doing home stuff like becoming an adult your home is becoming more of a home. also in the 4th year You have to be more aware as your doing actually home things which is why the life insurance is important home owner ship isn't like a play house your doing real things taking real risk