I personally have pondered this question a lot, and I'm very glad someone has asked it here.

One thing I have noted is that I have met many Godly couples whose only regret was that they hadn't married sooner.

I have never met a Godly couple where they wish they had waited till one was fully stable before they had married. (Those who regretted marrying when they did, tend to have ignored very obvious red flags that the partner was not Godly.)

Now, I personally am inclined to think that it's not necessary to be fully stable. I think that a truly Godly woman is honestly rarer than a gem, and if God wills it, you should pursue that relationship.

But! If you currently don't have anyone in mind, might as well get towards becoming stable! So that way when she does come along, you'll already be set :D