I don't think it's necessary to have all your personal affairs in order before thinking about a romantic relationship, a tickling relationship, whatever. After all, who here has their whole life in order? No matter where we are currently, we should have some goals and some kind of roadmap for where we want to be in ten years.
I think character is more important in a relationship. Take the guy who has no car. Is he saving up for a car, or spending his whole paycheck on beer, pot, and the latest video games? If the person has a vision and commitment to improve his/her position, I don't believe that a relationship is necessarily a roadblock. If he/she is content to stay where they are, then I guess they'd be okay with somebody who has equally slim aspirations.
I'm ashamed to say that for many years I had no aspirations. I was content to do the same job for the rest of my life and continue renting instead of buying. When I met the lady I ultimately married, that all changed. She motivated me. Not by any derision or unfair comparisons with others. She truly believed me capable of much more than I did myself, and I began to believe her. I was no longer content where I was. I ventured into new areas far outside my comfort zone. I took management positions, the idea of which was previously a complete anathema to me. In the space of just a couple of years, I doubled my salary. I now own a nice house on 2 wooded acres in a protected rural community.
My point to all this is not to boast, but rather that sometimes the right person can help you out of whatever financial slump you're in, if....and this is a big IF...you're willing to change...to take a chance and venture out into something new and unknown. If I took a snapshot of my life now, and took it back in time to 11 years ago, that Drew would have had a hard time believing such a future was possible. Part of me still has trouble believing it. I would never have come this far but for her. She truly is the best part of me.