Mathematical maturity has all to do with practice and experience and nothing to do with age.
Category Theory is easy because it starts from nothing, literally. You can learn it at any age and with no almost no prior education. Same with various formal logics.
You can't study or use in any way the theory of Calabi–Yau manifolds unless you have mastered all of its prerequisites.
Certainly the advice of not choosing textbooks you don't understand is spot on, however. Unfortunately (?) most textbooks assume quite a bit of background, so you don't often have much choice in this regard.