What is the most difficult thing about owning a home?

As the title says, I'm wondering what people find hardest about owning a home. For example, is it something like;

-knowing what needs to be done to take care for the home

-keeping up with maintenance

-unexpected problems

-finding the right contractors

-keeping up with the financial cost (mortgage, insurance, maintenance, repairs, etc.)

Or are the common challenges something completely different?