Hi there! could someone please help me solve this Econ word problem?

Consider an individual who enters adulthood and the labor force at age 18, expects to work 5 years at a real income of $10,000 per year, anticipates earning a real income of $40,000 per year from age 23 to 63, expects to retire with a $10,000 annual pension, and live until age 78.Suppose the interest rate is zero, and the individual seeks perfectly smooth consumption across his adult lifetime.

In the absence of borrowing constraints, then beginning at age 18, the individual should consume

a) all of his income as he receives it each year

b)$10,000 every year

c)$20,000 every year

d)$30,000 every year

e)$25,000 every year