20-30 years

Health is wealth, this sounds good. I have seen people who neglect their health in pursuit of more money, and it’s possible for a person to burn his body out in preparation of retirement. Killing themselves for 50 years so the last 20 will be lived in comfort or better! If you don’t have your health, there won’t be much else even if you do have plenty of money.
Adopt a debt free life style.This period in everybody's life is very crucial.You need to be hard working,earning quite well.But at any cost don't neglect your health. Eat good and healthy food,work out to burn the calories and be fit to work.This is golden period,don't let it go waste.
Earn and spend whatever you can! Don't get carried away by others.Have your own stand.