i am not saying you are definately wrong but i find many people who say they cannot afford to marry are incorrect.
what they often mean is they cannot afford a big cultural wedding, cannot afford lots of gifts for the wife, dont have a job, career, house, car, degree etc lots of families ask for these days.
but the answer to such people is simple,
marry a wife who is happy simply following the sunnah and you dont need to worry about finding such things, alhamdulillah i found such a wife who was willing to seek the extra blessings from Allah by having a simple wedding which cost us about £700 including mahar.
i then had a low paying job where we struggled to find money to eat meat more than once or twice a week.
we then moved cities and i was unemployed and survived on even less than this,
so it depends on the needs and demands of the wife on how much a man needs to get married, marry a sister who is firm upon the Quran and Sunnah and really you dont need that much at all.