currently, people get benefits before investing. You get house first and then pay mortgage instead of saving first as Gemora and Rambam recommend. So, it is possible to satisfy both opinions: marry early if a person is on the way to earn a living, whether a good solid job, like a plumber, or an uncertain one, as a lawyer. Those who reach the age without preparing to support the family are either relying on the emergency measure from 80 years ago, as mentioned above, or plan to marry someone who will agree to life in poverty, whic is a heilecke ting to do, or expect to live at someone else’s expense (hopefully freely giving in-laws and donors rather than unwitting taxpayers)
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