You are a skilled person, and while your student life progresses relatively smoothly, a major turning point will come when you become a working adult at the age of 22.
You are trying to push forward with momentum and determination in the same way as before, but it won't work out if you continue with the same approach as in the past. You will keenly feel the lack of study and experience.
Here is the translation of the text you provided:
"Whether you work hard here or give up to live a lazy life, life will change significantly. You are a hard worker, so you will often choose the path of effort, but there are also cases where you may aim for an easier route that is ethically or legally gray, and if you choose this path, your life will likely remain in the shadows for a long time, making it difficult to break free. This critical moment at 22 will be a major turning point."
Around age 39, it is an indication that your past relationships will change. The likelihood of divorce is highest for those who have been married. Values may diverge rapidly from friends, leading to a natural breakdown in communication, and disagreements with others may arise. It seems that there will be many mental struggles.
Human relationships are forcibly changed, but you are a naturally positive thinker, so try to switch your feelings successfully and make new friendships.
Until now, you have tended to seek stimulation, but gradually you will start to seek healing and a sense of security, and will seek friends and lovers who support your heart. It will be a turning point towards a kinder world.
When you turn 50, you will want to challenge something new. You are originally an ambitious person, and meritocracy oriented. You believe that life is realized through your own efforts, so you will want to try something on your own.
Younger monks were always searching for what they could accomplish on their own, but now, at this age, comparing what they want to do with their abilities finally reveals what they can actually achieve.
However, at this stage, it is still just the starting point, so from now on, we will have to create a worldview that we wanted to expand. It will be the secret to success to have a free imagination without being bound by age too much.