*turning point
Fig. a time when things may change; a point at which a change of course is possible or desirable. (Originally nautical. Fig. on the image of a ship approaching a point where a change of course has been planned. (*Typically: be at ~; come to ~; reach ~.) Things are at to a turning point. Bob can no longer afford the payments on his car. I think we have come to a turning point and there ought to be some improvement henceforth.