Since I began writing, I've started and stopped several manuscripts. One thing these manuscripts have in common (besides not being very good) is that none of them have an inciting event or catalyst. I didn't know such a thing existed or was necessary when in the early stages of my writing.
I didn't notice this inciting event happening, when I read. Of course now I understand the significance of setting up the everyday world of my main character before changing everything. And when I read now, I am conscious of that exact moment when things change.
Some people believe the inciting event shouldn't happen any later than the end of the first chapter. Others give until the end of the third chapter. When I'm reading I don't mind as long as the story is engaging and the prose moves quickly. When I'm writing, I struggle to find the right spot to cross from normal life to different.
What is the furthest into a story you've ever written an inciting event?