I had a maxim when I was in my twenties that most guys were not worth dealing with seriously (i.e., dating with any consideration of marriage) until about the age of 25. A small portion, though, were essentially mature by the time they could date. A similar portion were never going to be ready no matter how long you waited.
It could have something to do with the facts that:
1) When Mom and Dad married, divorce was rare. Now it is common even in families where divorce was unknown a generation earlier. The chances of divorce are much higher in couples who marry younger. This means that young people who don't marry still see their friends trying it and going down in flames.
2) Family-wage jobs aren't available to the vast majority of 18 year olds, as was the case when my parents married when Mom was 18 and Dad was 21. Instead of starting a career and having a nest-egg by 21, people get out of college with a stack of student loans--and maxed credit cards, too, if they're not sensible--to cover at age 22...if they don't dawdle around in college. Financial problems are one of the top reasons couples divorce.
3) Few high schools give their graduates a competent education in personal finance. It is predictable that single college graduate is going to look at his paycheck and think that a big TV is a more reasonable purchase than paying off his college loans more quickly than absolutely required by the conditions of his loans. Some, too, will be able to cover both.
My brothers weren't perpetual adolescents. They were very concerned, though, about the number of their friends who were "madly in love" one year, married the next, bad-mouthing each other the next, and divorced the next. It would be hard to argue against their fear of commitment. One didn't marry until he was over 30. From his way of looking at it, he skipped the marriage that was only going to result in heartbreak and alimony payments, and went right to the one that worked. (He and his wife did not live together before marriage.)
My brothers all bought a home appropriate for a family when they were able to make a down-payment, though. They saw it as a sensible investment. Four of the six are living in the houses they bought as bachelors. One of these has grandchildren; the other two have no children at home anymore. (The fourth has never married, and probably never will.) All of them did realize a financial gain by the first house they chose. It is perfectly reasonable, then, for a bachelor to live in a three-bedroom house. If nothing else, his mortgage keeps his friends from hitting him up for personal loans.
And yes, they listened to their older brothers and cousins. They bought their chrome, guns, and other toys before they married. These luxuries take a small part of a bachelor's income, compared to his house payment and his student loans, but they aren't even a possiblity for a young married couple. It is a rare young man who puts off those luxuries until he has his kids in college....and that is when they are going to be able to afford them again. Selfish? Maybe. Fairly predictable, though.
Having the money to spend on some luxuries for yourself does not mean you are ready to marry. Actually buying some luxuries for yourself doesn't mean you are an adolescent, nor that you don't donate a big chunk of change every month to worthy causes, either!
As NoAvailableName pointed out, there is such a thing as minding your own business....well, unless you're on the hunt for some donors with some cash on hand for the local Catholic schools. You never know! :thumbsup: