The biggest issues people think about marrying-or-not (especially, when talking about teens), are
Marriage is not worse than anything else, in any of the categories. (That is why I find that especially unfair that, marriage is the forbidden.) But, people need to keep in mind that, marrying needs thinking. Otherwise, one might mess up in all of the categories, within marriage, too.
Ironically, the good old style (when there was no "welfare state"), welfare was with family networking (big families). Youngsters would first start their families, while living with their (parental) families. In time, the grannies would keep there. The good old style of welfare.
The irony is that, now USA is thinking what to do with baby-boomers retiring.
For Islam (the Quran), the minimum for marrying, is not including financial understanding/maturity (Nisa(4):6). Thus, marrying was not necessarily for "becoming independent" in financial matters.
The capability for marrying (marital age, not the chronological age), is defined by mental (as well as bodily) maturity -- for raising a family. That verse from the Quran, informs/acknowledges that, financial wisdom, is not necessary for setting up a family.
Professional accountants, or protectors who had been chosen by a parent, might help.
If sex is not criminal out-of-wedlock, then how is marrying unlawful?
Worse, lots of states (in USA), allow marrying young, if there had been sex. That is no way of promoting a chaste style of marrying. Worse, lots of incidences of fooling a girl to have sex with her out-of-wedlock, with (supposedly) planning to marry her in the future, had been in court cases.
The cases I know were in T.C. cases. I have no opinion whether there had been any such cases in USA (or, a lot). But now, U.S. laws, if they make that the exclusive option (unless the girl would wait until the relatively old age), the potential is obvious.
Pedophilia is a trouble. But parents and courts weigh who is sufficiently mature for marrying.
Ironically, if you list post-pubescents as "child" ("pedo"), and you forbid marrying, while youngsters turn out to have sex, then pedophiles might truly have their niche, there.
Ironically, in USA, both of the extremes (promoting condoms, or abstinence) have supporters, while the option in the middle, that is, marrying, is unlawful, until "sufficiently old to think."
Worse, how I understand, as time goes by, lots of youngsters are not about getting a lot more wisdom toward marrying, but the vice versa. What they get experience in, is how the opposite-sex works (plural, statistics). They know (having experience) how to get in and out of relationships, with a herd of lovers (hopefully, serial-monogamy, but perhaps worse). None of that is anything to educate you about a (stable) marriage.
Malthus would not love population-explosions, but Muhammed (s.a.s.) might (if you would raise your children well). With a family, children have their parents, and if big family, their grannies, too.
Without marrying, that "divorce" is the normalcy (instantly, or following the dating times). If some of who marry, might split, that is not marvelous, although not falling behind any alternative, either.
The trouble (mainly with blacks of USA), is MFS (the "missing father syndrome"). Not necessarily not knowing who he was, but simply not having him around, any more. (That was a problem known in 1990s, news articles. There seems no hint to believe that statistics getting better, yet.) Thus, there was a long-known culture. Work against.
Ironically, unfortunately, now that I suggest to all people that, marriage is a better option than out-of-wedlock sex, if people who would not normally marry, might marry, they might (maybe) think casually to divorce, too. Impulse marriages are understood to be relatively more likely result in divorce. Therefore, I need to warn that, you have to neglect the divorce statistics (if they are high). Your marriage is your ship. Keep yours, well. There is no sense of fashion, to sink your ship "because" others seem to sink.
The families in old times, had less outside sources to mess with their private time.
Now, people watch TV more than talking with their families. While TVs bombard your family, you need to keep attentive, too. Camaraderie with your spouse, to sift the influences, for tailoring to yourselves, would be valuable. Otherwise, if you would become strangers, and in time, get lost in the normalcy of divorce (by statistics), then that is not necessarily about marrying at young age, but probably the vice versa.
Marrying relatively quickly, is not the quickest. 15 or more, is not necessarily a fresh mind/spirit.
Fine-tuning might start at puberty (or, before). Personalities accumulate.
Thus, allocating makes sense. Sex is not the cause. Personalizing, fine-tuning is.
Most likely, few or none of the [young] couples in USA, live with Islamic style. Probably none is adopting the Islamic hijab (tesettur) style of modesty. The "openness" might risk the family, too.
The rules of Islam, are optimal for facilitating families. Therefore, valuable for non-muslims, too. Non-muslims might reflect how closely they fit to the Islamic standards.
For your own case, you might think you have some good alternative to replace some portion of what Islam lists (as commands for muslims) -- but chances are, that is risky.
In the worst case, you might need to fend off satanical assaults, too.
If you are targets of some satans (or, witch-gangs such as ibne-telepaths or other abuses), you need to surf above that, too, not to sink your talkability with your family.
Probably all of us would acknowledge that, marrying is a safeguard against sexually-transmitted illnesses. But people who live promiscuously, might contract the illness to their spouses.
There, Islam is again good for keeping well. The Quran is not allowing adulterers (who have out-of-wedlock sex) to marry non-adulterers. (Some seem to neglect that.)
The couple might need to know the medical success estimate of a prospective pregnancy/labor.
Critiques list potential labor-time trouble (then, obstetric-fistulas), as likely, in the case of too-young (too-small-physique) women. But that again, is not a point against marriage. Vice versa. The father of the girl might think that, and postpone (by vetoing) the marriage. (But as in the case of category-crossers, people might be neglectful.)
Perhaps, they would think the couple to marry and have sex, but not pregnancy. (Contraceptives.) Or the couple might think having their first baby with cesarean--section (think well, though, because that might not let having lots of babies, afterward).
Out-of-wedlock people would hope only the contraceptives to work (and that is available in marriage, too). Or, if something goes wrong (torn-condom, or null-drug), then they might fall-back to abortions, or, having the baby. Nothing above marriage.
Having a family, is hardly a true cause not to achieve.
Within a big family, that actually would work in the routines of the establishment, too.
Grannies nurturing the kids, while teens go highschool, then university, then work.
That works for lots of people.
Furthermore, I might list a few of what I favor, too.
Formazing is a flexible style for life-long self-development.
No need to "go to work" 9-to-5. If you would like to achieve, then you might work at home, too.
Mothers have had lots of homely crafts, throughout history.
Internet is working well, for lots of people, to work remotely, with people from around-the-world. Your past work/projects, remain on your C.V. -- or, your internet sites.