there is no peak every moment of life is a blessing
also depends on what you mean by peak
having s***with lots of girls and s*** like that probably by 26-27 if you don't wanna be 35 club hopping
money wise it depends on when you get on your s***
but honestly i feel like worrying about s*** like this defeats the purpose bc youre never gonna be able to go back in time, just gotta try to enjoy each moment for what it is as hard as that is sometimes