first 25 years - Mainly focus more on learning, because to learn we need time, don’t waste time, eat healthy and keep learning. If we don’t focus on learning and start earning before 21 then we will not have enough skills, meaning less salary or income, so again you have to start learning after the age of 21 and that would be struggle because more responsibilities will come later in the life.
from 25 to 55 : earn, divide time between your health, spirituality(chanting), study, your family, earning, friends and charity work.