I'm not disagreeing with you, but I'm saying that people who ignore common sense are doomed to failure. Marriage is tricky as HELL to stick with (as you above state much better than I could, I might add), to add financial burden to the mix is almost like a death knell unless both parties are USED to a lifestyle of struggle. Financial matters are one of the main reasons cited in divorces.....one person spends too much, or they grow too deeply in debt, this turns to anger and mistrust...boom. done.
One other thing we haven't mentioned: Religion and or Moral Upbrinding. People in strong Religious environments are more likely to make a marriage work than those who aren't. If you come from a family or community where Divorce is actually frowned upon, then you will be more likely to work out your problems than simply run for the chutes and pull the ripcord. Some people marry for life, some people marry for convenience.......its like the old David Lee Roth video..."Its my Wedding Night, I might only have 2 or 3 more of these in my whole, entire lifetime!".......
I know guys in their 40's (and women) who are miserable because they are not married. Of course, they are forgetting the endless stream of relationships they've had over the years...always looking for "Something a little bit better".....that the married guys had to miss out on.
Either way, this topic is too deep for CAG
In the end two people who love each other can live in near poverty and make the best of it.....but I think that takes a special kind of person to pull that off. And I think 90% of relationships don't have the chops to make a situation like that work.
So get your education, land a decent job and start on a career and THEN think about tying the knot.
I held off on my own wedding until my wife had graduated college and I was out and working, and having health insurance and a steady income was invaluable to starting off life together on the right foot.
There are people who got married before us, immediately had kids, who are still struggling today financially because kids mean a huge $$$ impact...HUGE...daycare? If you're in your 20's that means one of you is giving up your job because you likely wont make more than the out of pocket costs of daycare..then the traveling, the running around, the to and from school, the being-there-at-home-for-them....all that jazz. Then, college expenses.....etc. I mean have your kids at 22 and then try starting your career as a noob in your early to mid 30's......that ain't so great.
Finances should play a factor in any healthy marriage decision, IMHO.