To the extreme you suggested, so that it becomes your whole life and ruins your life and you never have anything else?
Yes, that is very dumb.
Nope. Getting married EARLIER than that, used to be the norm.
YOu can save a lot of money on housing, if nothing else.
Why do you say it is stupid?
I would think having a nice healthy nest egg before marrying is simply being responsible. Not having g a pot to pee in will get on to unhappiness very fast.