On the first day of my college's summer session, I walked into my statistics class a little early and started speaking to the only other student in the room. I asked him what he was majoring in, and he replied that he had a double major--music (cello, I think) and mechanical engineering. An interesting combination, I thought, and certainly more practical than just majoring in music. So I said, "That makes a lot of sense, because it is probably easier to find a job in engineering than in music".
The student suddenly looked offended and horrified. He replied, "No, I don't care about money. I just love engineering."
Okay then. All I can say is that later on he will be thankful that his interests are music and engineering rather than music and classical French literature, because regardless of his motivations now at least he will be employable. I then realized, however, that I had this reaction because I have been in the "real world" for years and suffered the devastating effects of poverty brought on by lack of ability to earn a living.
When I married at eighteen, I was no different from this student. While I knew that I needed to get a job and work, the thought of going to college and/or delaying marriage for the sake of marriage was abhorrent to me. I didn't care about money or want to be rich. I was young and idealistic and felt that if I was willing to work hard then we would be fine. I was definitely wrong about that.
The problem is that both that student and I shared an attitude that is common among older teenagers and young twenty-somethings today. I would venture to say that for most middle or upper-class students, college is viewed as an expected rite-of-passage rather than a means of preparation for the future. Among frum people of the same age, the attitude is that marriage is a rite-of-passage and that finances will work themselves out afterwards.
Both of these attitudes reflect a lack of maturity. The problem within the frum world is that people typically get married while still in that immature state, which often leads to disastrous consequences.