For the vast majority of people, the point of no return is birth - if you arent born to rich parents there is very little chance of you ever being rich.
On the other hand, there is a point where you stop caring about being rich. Where the accumulation of "stuff" stops being important. That point is different for everyone though. With me, it took place over the course of a few years. Began with the passing of my Mother, which taught me to seriously not sweat the small stuff in life and enjoy the little things so much more. A few years after that when I lost 98% of my earthly possesions from a hurricane...that just proved to me what I already knew.
Wow, sorry I kinda derailed your thread with that rambling!
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