The first 30 years of our lives are conditioning and training. This comes through education, early jobs, and life experience. These mould us for the next 30 years to come.
The age of 31 to 60 is when our finances grow. We accumulate and generate funds for sustenance in this phase and also save it to stay prepared for the next 30 years.
The age of 60 to 90 is when you enjoy the fruits of your labour of the last 30 years. You use your accumulated and generated wealth to sustain. The better you plan between the age of 30 to 60, the better and more comfortable this phase will be.