I actually think 33 is when you give up. 27 is when most people have their physical bodies start to decline, their metabolism, their energy, their testosterone, ect... 33 is when the mind starts declining, your memory, how fast you think, how sharp you are, ect... Unfortunately since foids love experienced men, if you haven't gotten a foid before 18, your chances of getting a foid are pretty low. But that doesn't mean, you still can't wealth maxx, and be happy in monk mode. By 33, if you aren't at least 25% complete, on whatever your goal is for wealth maxxing, good job, or starting your own good business, or accepted into a good university for good career, you're going to have a harder time succeeding, with your slowly declining mental abilities if you haven't achieved in your prime.