When people say to be free of problems, I don't think it means we have to own houses or be athletic.
In my opinion that sentiment means we should be rid of relationship baggage from other people, and get a handle on any depression, anxiety, etc., so we are as stable as possible and our partner isn't drawn into the fray.
In my experience when I wasn't ready for relationships it's because I was looking for white knights or someone to comfort me from the previous person. Later on I had trauma so badly it wouldn't have been fair for me to commit to anyone, because all of my emotional resources needed to go toward my own recovery. No one wants a needy partner or a partner who can't be self-sufficient in their own psychology. Sure, it's good to share and help each other but ultimately, we're all individuals and we have to care for ourselves before we can love anyone else in a safe or healthy way.
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I never give you my number, I only give you my situation.
Beatles