For me, I think it's got to be after that third Norton. He won by a gift and what more did he have to prove if he won the rubber match against Norton and Frazier? Obviously his pals were squeezing him for cash but I find it hard to believe that he was just fighting for money post 75. Was he waiting for a up and coming challenger or was he just trying to bull**** his way through boxing while bringing in the big bucks?
Third Frazier fight. He went 2-1 up against his greatest rival in maybe the greates display of Human will that we've seen in a Boxing ring. He ends it there, and he may be in better shape today. I can also see an argument for ending it after the Foreman fight.