I kinda knew that about the money and whatnot, but then I started talking to my mother about how much anxiety the process brings. She built and financed her house with my father in her late 20s. She told me that she didn't remember being as worried as I am, but that that's probably because she wasn't signing up for the commitment alone. I imagine that does give you a bit of a backup plan.
Being in a relationship, waiting for that "knight", it provides you with another area in which you can put your faith in man...like that retirement account or higher paying job...all earthly securities.