on love and money

Please indulge me as I emit a few frustrations on a very controversial subject.
I will commence by saying that I am not a bitter, love-hating cynic. I have the most starry-eyed, syrupy, unrealistic, Utopian, bathetic, idealistic and idyllic view of love known to man. I love love. If possible, (and I believe it is!) I profusely adore and love my future husband, although I'm not 100% sure of who that might be.
That said, allow me a few minutes to stand upon my proverbial soapbox.
I am hugely concerned with the pandemic consensus of today's youth population( may I narrow that down slightly to the pentecostal youth populace?).
I am now plagued with several dear friends who are entering into matrimony without the slighest look at some very earnest matters. It seems the norm to delve into the deepest commitment of our lives without money, education,wisdom, etc. Memo: Welcome to the 21st century, where education=money=survival.
While I do not expect to be a quadrazillionare when I marry, nor do I imagine to have my doctorate times 2 (though I would love it), I am concerned about the realistic means by which I will function. What ever happened to the idea of being a capable, well-adjusted, mature adult when you marry? Notice I did not say rich OR flawless. Just ADULT.
While I know it is in all , a glorious state, what can be wrong with being a little more prepared? Maybe you can live on love, but why not enter into marriage with a slightly better handle on the issues that so often cause marital conflict? Although I might be overly opinionated, and although I have yet to experience wedded bliss for myself, I know that my concerns are legitimate and sadly, often overlooked.