I always feel like the tipping point is where you are starting to mostly consider other aspects (work-life balance, work load, colleagues, type of work) over pay.
For me that’s happening now, before I would mostly take the salary into account.
This is where I’ve been for a couple of years now. Could I make more money and have more responsibility? Absolutely. But I make plenty, I work with good people, and I “work” from home twice a week. My week is 10 hours of real work, 10 hours of meetings about that work, and 20 hours of fucking around waiting for other people to finish their work. I do most of my fucking around at home where I can do whatever I want. Do I really want to give up this slack ass job to chase a 10->15% raise? I’m not sure I do.