I don't think 32 years is too old for getting married. The only problem you may face is to conceive after 35 years.
You're from the US, right? When watching US movies I was always astonished how people get married there at such a young age. In Europe, it's quite different, so it's likely just a cultural thing and you don't have to worry. I've married at the age of 29 and was the first (!) of all of my friends.
I agree with you that is totally weird that some people are taking loans to get married and spend over 10k for a wedding. But according to me, it's really important to get married one day. It's never late, but it's good to be done before you have children. That is the normal nature psychology, we should follow it and show it to our children. That's what I think.
Well unfortunately many people give to much importance to career financial etc and they put marriage in second place .God create people to make childrens ,get maried and not necesarly making money and a great career .I dont say that money its not important but you cannot wait at 60 years to get a milionaire and after that to get maried
There is nothing like late coz its always fixed by almighty .... so whenever the moment comes accept it with open heart.