Intimidating for some and exciting for others; everyone feels differently about the prospect of getting married & settling down.
The important thing to remember is that every major change in life requires adequate planning. If you haven't already done so, it's time to take some wise financial decisions before you decide to settle down.
At this age you can afford to think only about yourself. Whether it's studying abroad or switching careers; now is the time to take big risks without worrying about responsibilities.
This means not only fending for yourself, but also understanding and planning your finances. Start by creating a budget, doing your own taxes, building an emergency fund etc.
Make an action plan for debt reduction and try to eliminate any of your pending debts. You don't want to carry the baggage of increasing interest rates into your marriage.