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You touch on finances briefly. Class is a very important issue to consider when talking about barriers to marriage, especially considering the over-the-top way we're told you should celebrate the the beginning of a marriage: The Formal Wedding. The $500+ dress, the church and fancy venue rental, limousines, food and drinks for a hundred people, fancy clothes, expensive floral decorations... if that's the way people perceive the "correct" way to begin a marriage (thanks to mainstream media and social conventions alike), it's no wonder so many working class couples are side-stepping the "institution of marriage" altogether.