when are the 130 hour weeks finally worth it

It's not, but bear in mind that there are very few people on this site who earn the kind of money here to start a family and buy a nice house, much less enjoy typical luxuries of the upper class, which get expensive.

Life can always be a pain, it's just that you face different challenges, whether it's getting into college, getting an entry level finance job, getting an MBA and then another entry level finance job, to worrying about which golf club to join, to shelling out an analyst's salary for tuition to private schools. It's always a rat race and if you're already tired, that doesn't bode well for you. Unless you are an MD at a good firm with a good group, you will not make enough money to feel secure. And unless you are good and breezed into all the top firms at the entry level, you will wash out and end up languishing in mediocrity. The cost of living is too high to be able to afford a nice place, to send your kids to good schools, much less purchase nice cars and go on vacations. You'll be stuck living like a monk like IP, and it get's annoying to worship a 401k account since it'll always be tiny given the limits of your contributions.

If you're aiming low, like 500k on Wall Street, just save yourself the trouble and work at Edward Jones in Missouri if you actually enjoy finance. Or work your way up the Walmart ladder if you don't. You'll be a relatively larger big shot and probably be happier all things considered.

Don't get all hung up on business ideas. Execution is more important. Witness the guy who owns a pizza shop and kills it. My first biz after banking was as crappy and humiliating as it came, and all my banking/Palo Alto friends thought is was just too lowbrow even after learning how much I actually made.