The climax of "The Late Bud" occurs when the protagonist, Nana Yaa, finally confronts her husband about his infidelity. She discovers that he has been having an affair with his secretary and has been neglecting their marriage and family. Nana Yaa is devastated by this revelation and realizes that she can no longer continue living in a loveless marriage. This moment marks a turning point in the story as Nana Yaa decides to leave her husband and start a new life on her own terms.