I think the main reason people fail so often at settling down is because they don't want to.
People use to want to... they wanted to get married and live an adult life. Now we just want to be kids until we are 40.
I don't think this is a good thing.
JM
High technology and career pressures are actually driving that. it is a cycle.
The two things that drove the technological revolution more than anything esle were war and entertainment.
Then technology demands that everyone have insane degrees of education just to get the most basic jobs. Almost everyone alive has ten times the education of anyone who took part in writing the Bible, other than perhaps Paul. Other than in language arts, a modern 5th grader has a superior education to almost anyone alive on the face of the earth in previous centuries.
Employers expect employees to basically be the next Isaac Newton or Einstein in their respective fields, and if they do not turn out to be such a person within a year or two, they get canned. If you do not invent something revolutionary, or do not show up to work religiously, and offer to fill in all vacancies, etc, then they don't want you.
We are a slave to our own desires and ambitions. We define wealth and hapiness by what we have, but in the Bible, wealth and hapiness is often defined by how little you need.
Job was the wealthiest man in the earth, and yet when everything he had, including his entire family and most of his servants were killed and destroyed, he gets on his face before God and starts praising God. "Blessed be the name of the Lord!"
What do we do? We want more, more, more. Kill ourselves and one another for one more dollar, and like I said, we aren't happy when we have it anyway.
It starts as a spiritual problem. If Christians really were Christians and have the Fruit of the Spirit, then they would not be so driven to have the things of the world.
Do you realize how stupid much of our modern economy actually is? You go to work 40-50 hours per week to pay for a car....so you can get back to work...Perhaps as a teen, the car was a goal, as was the girl you thought you could get by having a nice car. Well, you got the car, probably found out it didn't help you get a decent girl anyway, but now you spend half your lifetime working to pay for the car note and insurance, most of this transportation need being artificial, and the other half working to pay for your other expenses, many of which are artificial as well. It was an idol. It was the "care of the world". It steals our lives one day at a time, 8-12 hours per day, not counting commutes and other time consuming aspects of the "career".
Do you realize that if you work 10-20 hours per week in a garden in your back yard, say ~1/10 of an acre, you can grow more food than a family of 3 or 4 can possibly eat in a year, and will have to give or sell most of it because you will run out of room in the freezer? I know, because I still live at home with my mother and step father, and they have so many vegetables they have 3 freezers stocked off 1/10 of an acre and have given away vegetables for free by the bucket loads.
What is the point? Well, the "40 year old child" statement you made is a result of the technology basically requiring an obscene amount of educations. We require (most) of the technology because we are idolators and basically worship certain things which "cost money". Since these things have arbitrary values that are almost entirely demand driven, then the price is set by your willingness to pay: entertainment, most automobiles, excessive lightings and decor in the household, excessive jewelry for the "delicate woman" at home, etc. (idolatry, covetousness).
Our so-called economy is measured by the "demand" for all of this crap, and when you examine it for its "real" intrinsic value, it is all 100% worthless. We pay circus clowns (i.e. actors and atheletes,) dozens or hundreds of times as much money as we pay doctors, farmers, or construction workers, and those are the most important fields in civilization. Why? Idolatry!
I'm rambling now, but its true. Your preacher hasn't done a good enough job, reader! You and I are slaves in our own modern egypt, being told to build bricks without straw. Our own idolatry and covetousness puts social and economic pressures on us which are unreasonable.
Even in the ancient world, people did not work as hard as we do today. Even a slave in egypt obviously had "quality time" with his wife, as they all seem to have had ten kids and spent a lot of time dancing and getting drunk and getting into trouble whatever way they could find. But in America, the "homoe of the free," everybody works all day long every day and can't afford to raise a family of 2 or 3 kids. Why? Egypt, friend, egypt.