If you're married/kids it usually happens by 35. If you reach 'enlightenment' after that you can't cut back easily (wife and kids accustomed,even maybe feel entitled to expensive private school etc etc), and if you do your family will often simply divorce you then the judge will impute your income for CS and alimony at the high amount you made before. If you scale back, they put you in a jail cell, take away your licenses, your property, and revoke your passport.