I think framing the issue in that question misunderstands how we develop.

Brian Harrington did a video awhile back where he talked about some research they did with how many “bytes” of data the brain handles.

TLDR: we only have so much attention and energy, and when we go into marriage, especially with kids, that forces most all of our attention of real grown up shit.

We become responsible through doing it.

This aligns with all the data showing new fathers are by far the most productive people out there.

Dad brain is real.

Nothing motivates and your body psyiologicslly than parenthood.

I think the “financial stability” line of thought just excuses inaction and clinging to a life free of responsibilty, and this a less meaningful life