What is the explanation of the hadith: "Whoever among you can afford marriage, let him marry, for it is more effective in lowering the gaze and guarding one's chastity"? And what is meant by "al-ba'ah" (ability to afford marriage)? And is there any advice for a young man who is hesitant to marry despite being able to do so?

The Hadith guides youth to marry when they are able, whether that is the ability to cover its costs or the ability to engage in sexual intercourse. For al-ba’ah (ability) includes both sexual intercourse and the financial means for marriage. Marriage protects one’s private parts, lowers one’s gaze, and rectifies the heart. Young people who desire and are able to marry are advised to take the initiative, and they should openly express their wish to their families to marry a girl of piety and good character.