HI, WELCOME TO FISHLORE!
Setting up any size of fish tank is a huge chore...fun to plan, not so fun to do.....we have two reasons for telling people to stock their tanks AS IF the fish are adult size.
Do you know about the nitrigen cycle?
#1....your new tank doesn't have the bacteria to be able to complete the nitrogen cycle for a fully stocked tank. Buy the number of fish the tank can hold as adults, and let them grow in the tank, the bacteria will be able to handle the tank better without crashing.
#2....as well intended as most people are in providing a larger tank for the fish as they grow, 9 times out of 10 it won't happen.....the fish will be crammed into a small tank, with polluted water, they will be stunted or die...it is as simple as that. If you are wanting to move into a different apartment, wait to get the fish you really want till you are in a space to have the tank you really want. It will all happen faster if you don't spend your money on a tank now that isn't what you want, or is sick because you tried to keep fish in a tank not suited to them.