When people talk about their income they usually talk about gross, which is pre-tax. When someone says "I make $100k a year" they don't typically mean they take home net $100k.
Investments are typically also only taxed when you realize the gains, so if you have $3mm and "earn" $300k, you only pay taxes if you sell some of that. Other interest, like from a high yield savings, is taxed as income.
Health insurance is a nightmare, but there are options in this hellscape for buying it. Many poor people are also just uninsured, so you're not much worse off than them in this scenario.
Did you have any details you wanted to talk about, or did you just want to try to be pithy?