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You should wait till a horse is leveled off to do any show horse culling. A horse may level up always in a bad spot and never get any points but then level off in a great spot and be a wonderful earner. Or a horse can level up always in the points and level off in a horrible spot and never get another point. Horses level off when their age is roughly the same as their PT, though they do slow way down in improvements as they get close to leveling off. Always best to check histories and see where your horses are compared to others before culling. Earned points isn't the whole story.

The only show horses I'd ever cull would be ones with few if any points, and only if it was because I needed the barn space for show horses with more points and couldn't just buy more barns. I figure any show horse with some points is contributing in some way, so no point in culling them unless I really really need the space.

Yep, I'm guilty too! By age, and sometimes by PT (like if they have 11 PT, but less points than a 10) I normally do wait a bit longer though. I haven't had a horse level out yet, but now I know to go through and do it that way too! Culling via auction gives lots of $ though which is nice