Marriageable age in Chabad

An interesting set of letters has appeared regarding the phenomenon of boys who seek to get married around the age of 23 or more. The gist of the letter is that this is not spiritually healthy, especially in our day where there are many forms of attraction. They state that if a person is as mature and ready at 20 as they will be at 23+ then they should not delay the process of seeking a partner until later. There are numerous ramifications. Time will tell if this advice is efficacious or established.