A philosophical question on the changes in a persons life ever score

  • A score is 21 years (no 20) for the purpose of this question.
    How do you see a persons development as life goes on.
    The first 21 years I would call was the training years.
    The second 21 years I would call are the family years
    The third 21 years 1 would call the fun years
    The fourth 21 years is the retirement years

    Do you agree and what do you think should be your life plan?