Most men are not worth marrying until after they hit their 30's.
1) Men don't mature fast enough emotionally and don't generally put it all together til later in life. That is true far more often than not.
2) A man should have achieved some level of success in his chosen field so as to have proved something to himself about his character and foundation. He will have far less to prove and less need to act out. He will also be able to make his own choices rather than being a slave to his need to make money.
3) A man should have amassed some money to finance his family which involves having developed some discipline around finance. Kids and wives are expensive. Plan accordingly.
4) A man should have dated enough women to know what the workd is like and be able to see that all that shines and glitters is not always real. Hot chicks lose their looks over time and if they have no personality then you are screwed.
I have to disagree with your thesis. I married my wife when she was 20 and I was 19. Like all marriages, we had a period of adjustment while we learned to make accomodations to each others habits.
Most of the men I've seen have two problems when they wait into their 30's to get married.
(1) They are set in their ways and find it hard to make the necessary adjustments to sharing decision making with a wife.
(2) From what I've heard, the pickin's get pretty slim for women in your age group. You either get unmarried women that are as self-centered as you are or ones that have been through the marriage process one or more times.
After almost 40 years together my wife went home to heaven in February. I'm 59, and can't imagine living alone for the rest of the time I have left. I imagine that in about a year or so, I'll start socializing. I'm a bit afraid to go back into that world, but when I do I think I'll be looking for another "Promisekeeper" who understands that there is only one way to end a marriage (feet first).
My main advice for the young is to chose well (or get lucky like I did) and marry young. That way you start out growing together and don't have to unlearn a lot of bad habits.
I haven't been married long (just 2 years), but I think it's stupid to wait forever to get married because of some perceived "maturity issue" or because of money or success. My husband was 24 and I was 22 when we got married. He hadn't graduated college yet. We had already been dating for almost 5 years - should we have waited? Should I have sat behind in NC while he moved all over the country with the Army, just because he wasn't "successful" yet and because he wasn't in his 30s?
I also beg to differ with your third point. We have no kids yet and won't for many years. We spent a lot more money when we were dating (proportional to income) than we do now. Having a partner has taught us both a lot about money and has made us both more conscious of our spending as something that should better both of us.