Most people do eventually reach that point. However, for most people that point is significantly above where they are. There are plenty of things I would like to buy that I don't have the money for. I have a nice life. I had my staff engineer income, but there are things that I can't afford to buy that I really would like.

I'm sure if I was a multi-billionaire, I would have no clue what to spend a large portion of my money on. An Expensive cruise would be fun once, but I don't think I'd want to do that more than maybe once a year.