Check my comment

I talk about wealth then I talk about income, compare both, then I compare wealth to net worth (which is how you measure wealth)

If you have enough wealth, it’s used to get money as your wealth is used as collateral, you don’t need to be rich to do that, you just need to own stuff that is paid for. I know people who only own a house that isn’t worth a fortune, the got a mortgage on it when the rates were down to 1% to invest it at a higher interest rate, their not rich, they just have wealth that can be used as collateral to get money.