The topic of this thread is a bit of a no-brainer. If a recent grad has a job that, after paying rent (maybe with a roommate), utilities, a possible car payment and loan repayment, has little left for discretionary spending, its wise to not take on additional debt. Of bigger concern is the choice of age group brackets in that article. 18-29? Thats not only a large range, it includes the student still in college, who would not be likely to be looking at marriage, home ownership. Thats a probable red herring in this metric. And IMO, a student should be settled and established before marrying. I dont consider a 22 yr old recent grad who chooses to wait til they are 26 or so t marry “delaying”, but thats just me. I believe there is a high divorce rate amongst young marrieds.