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This study examines under-18 marriage in urban Tanzania from an ethnographic perspective. Due to poverty and high unemployment, some girls aspire to early marriage. Two pathways to early marriage are identified: first, poverty and gendered economic disparities motivate girls to begin transactional sexual activity at an early age, leading parents to favour early marriage as a risk-reduction measure. Second, educational opportunities are often closed off to girls before marriage, as a result of which early marriage becomes the only culturally approved pathway that allows girls to present themselves to others as a self-sufficient agent. These pathways are reinforced by cultural and religious concepts surrounding the transition from childhood to adulthood. The study finds that, in urban Tanzania, two important factors associated with early marriage are the prevalence of premarital sex leading to out-of-wedlock pregnancies, and the relatively high cost of secondary schooling, which blocks educational opportunities for girls after the age of 15. peerReviewed