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Let's talk about risk versus reward. Best case "Reward" is, you date her, everything works out okay, you have fun, everyone's satisifed, eventually it ends with good memories and nobody's hurt.
But what are you risking for that moderately good outcome? Worst case risks: Your secure status at a job you may well need in order to finish college. Your mom's career and possibly her retirement prospects.
So is the best-case reward worth the worst-case risks? I think not. You may hold out marriage as the ultimate best-case, but as Kirk says, that's pretty unrealistic at age 21. And in any case never, ever start a relationship with marriage in mind; skews your attitude in bad ways, danger will robinson, etc.
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