Not everyone can afford to support a husband in kollel and not every woman has the money for a bachelor degree handed to her by her parents… you also need to have a realistic picture. I would love to marry the next gadol hador, but talmidei chachamim are halachically not obligated to do housework and often the families of talmidei chachomim live in poverty, I am not ready to take an oath of poverty by marrying someone in kollel. Nor will I be. My community actually encourages us to marry men in kollel, but I also have to be realistic.
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