Philip states things pretty well here. I find lots of Christians coming up with excuses to delay. I know this from firsthand experience in my own youth, since I followed the wordly advice to wait until much older. It would have been nice if an elder would have mentored me in this area. I'm sure I would have gotten good advice had I asked, but being somewhat shy I muddled through things on my own.The question boils down to: are you trying to honor God in your decisions, or are you coming up with excuses to delay. I'd say that if you're graduated and sure that a certain person is the one who God wants you to marry, then you should get married. Your finances, in fact, will get sorted out better with two people working than with just one.
I understand the caution that we should not make rash decisions and jump into marriage indiscriminately. However, I don't think that is the problem in the Christian community, at least not in my experience. I think Christians are waiting until the world thinks it's a good time to get married. Which seems to be getting later and later all the time. By the world's standard we should be waiting until we're both graduated from college, both have steady careers, have a four bedroom house, two cars, on and on ad nauseum.
Adam had none of these things when God made Eve, except a job of course.