帮忙理解2个英语句子这是全文：Bob:Mr.Weaver,I have been with this company n

帮忙理解2个英语句子
这是全文：
Bob:Mr.Weaver,I have been with this company now for five years.And I've always been very loyal to the company.And I feel that I've worked quite hard here.And I've never been promoted.It's getting to the point now in my life where,you know,I need more money.I would like to buy a car.I'd like to start a family,and maybe buy a house,all of which is impossible with the current salary you're paying me.
Mr.Weaver:Bob,I know you've been with the company for a while,but raises here are based on merit,not on length of employment.Now,you do your job adequately,but you don't do it well enough to deserve a raise at this time.Now,I've told you before,to earn a raise you need to take more initiative and show more enthusiasm for the job.Uh,for instance,maybe find a way to make the office run more efficiently.
Bob:All right.Maybe I could show a little more enthusiasm.I still think that I work hard here.But a company does have at least an obligation to pay its employees enough to live on.And the salary I'm getting here isn't enough.The rent's rising.The price of food is going up.The reflation is high,and I can barely cover my expenses.
Mr.Weaver:Bob,again,I pay people what they're worth to the company,now,not what they think they need to live on comfortably.If you did that the company would go out of business.
Bob:Yes,but I have ...I have been here for five years and I have been very loyal.And it's absolutely necessary for me to have a raise or I cannot justify keeping this job any more.
Mr.Weaver:Well,that's a decision you'll have to make for yourself,Bob.
我想问的是It's getting to the point now in my life where,you know,I need more money.中 where的语法结构
还有Mr.Weaver:Well,that's a decision you'll have to make for yourself,Bob.要怎么理解翻译

专门的术语可能不正确：
1.
where 引导一个从句,就是去说明一个地点,可以是抽象的,也可以具体的.
在这里where引导的句子用来修饰 the point in my life.
这么给你分析一下：
It's getting to the point nowin my life
where,
you know,
I need more money
现在到了这个节骨眼了,
（什么节骨眼呢,用where来表示）
你知道,（插入语）
这个节骨眼我需要更多的钱.
其他例子：
There's a place where you can find birds.
有个地方,什么地方呢?用where引导,那里你能看到鸟.
有个地方你能看到鸟.
2
bob上句说,我在这干了五年了,兢兢业业,我觉得理所应当的得涨工资了,要不我就不知道我为啥还要在这工作了.（justify 表示为我在这里工作提供一个正当理由,而这个理由找不到了,所以我要跳槽了,有点威胁的口气）
不过老板不鸟他,说,那好,你想怎么样你自己做决定了.