Honestly, I prefer your approach to life as you're pretty aware of your shortcomings and what is expected of you. With marriage, my advise is take your time. Marry when you feel you are responsible enough to handle the responsibilities expected of a good husband and father. Remember as a man, you're the pillar of your family, the rock they lean on for protection, provision and guidance.
Too many men in our community marry despite not being fit for the role or even have the inclination to want to become better husbands and fathers.