“at what point do i hang up the skates and fulfill my kesuba?”
The day you signed it. You did sign it, right?
I work a very demanding job, often 10-12 hours a day. But I am now a year into my third Daf Yomi cycle (nowadays only attending internet shiurim) and have learned about 1/3 of Yerushalmi. Torah can and should be the priority for all Jews.
And as others have pointed out, wealth is a gift from HaShem. We still have to take the steps to accept that gift, but ultimately it is not up to us.