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It's okay to publish a book at any age. If it is a good book (or at least good enough.) Worse come to worse, if you can't publish at age 13, you can try again at age 18 or age 23. A famous writer, Pearl S. Buck published her first book at age 10, I believe.
By contrast, from a Business-POV, indie author/publishers need to write quickly. They need to quickly build a backlist that generates an ongoing income. One-book-wonders, or authors who only write one book every five years, would be foolish to go indie. Letâs say you need $1000 income from your books each month. If you only have one book out that one book MUST generate $1000 month-after-month.