financial basis to get married is not the best basis. Or else a lot of people won't get married! People will never be satisfied with what they have. What used to be a luxury today, may be a necessity tomorrow if and when you have more money to spend.
It's more a combination of finances, emotional, physical, and interrelationship. Wala na sa number of months or years. You will know when you are ready. Unfortunately, ang uso karon mag minyo tungod ready na ang kwarta, ang huna huna, o unsa pa ang basehan, ang kasagaran pagdesisyon nga mag minyo kay namabdos.