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When you could stop working and just coast off of what you've got till you die. At that point, making more is a luxury.
Well, luxury and rich are closely related terms, aren't they? I think what you described is a financial independence.
I'd add that if you can support your desired level of luxurity for yourself and your family without working anymore - that's being rich.
Edit: I misread the original question, which was asking about wealthy, not rich. Still, I think my answer applies
Working class people contribute to society.
The rich are parasites.
That's the difference.
And no, telling people what to do is not real labor. Rent seeking is not real labor.