EDIT I forgot to note a few points
1 Biden as an American Baby Boomer ("40s baby" in rap slang terms)
has had an AWESOME stock market & real estate market return from the 1970s to 2000s. Most generations in Americans history have never had this type of return. All younger people alive today from the "1960s to the 2000s babies" will probably never see this return in their lifetime either.
This just makes Biden's inability to stack 150K on a great salary, look even poorer.
2 Biden's implication that "he's only been a senator" as if this is a crap thankless job, is extremely Out of Touch (c) Hall & Oates, with the American public. Almost all "real American people" I know, myself included, would love to have $165K jobs, with 6-yr at a time job security. It is true that many, perhaps most US Senators, cash-in after they leave the Senate to become lobbyists or C-level execs somewhere, & probably make way more $165K. It's honorable that Biden has declined his probable chances to do this. But OTOH to imply that a $165K job is a crap non-elite job is way out of touch with REALITY.
I watched the Jul-23 Youtube Democratic Pres debate.
There was a question of "would you be willing to work as the President (or Senator/Governor/etc) for the minimum wage (just raised to $5.85/hr).
Sen Joe Biden said he didn't have money, in fact a net worth of 70-150K. He said since he's been in public service his whole life, being a US Senator since age 30, he hasn't had a chance to make much money.
I found out that a US Senator makes $165K/yr. That doesn't include additional sources of income such as speaking fees, writing books. Also, the knowledge & exposure to ideas & people, & networking via being a US Senator, would seem to increase one's investment ability. I say this even if one is totally ethical. For instance, one learns about a new trend or industry, & make an investment per this general knowledge. Also the best financial advisers might even offer to be your advisor for cheap, for the prestige factor of being able to claim a US Senator as a client.
But forget about these secondary sources. The salary alone $165K, is way more than most 30-yr olds make. I would guess in 2007 that far less than 1% of 30 yr olds are making $165K.
Biden is 64. What if back when he started at age 30, the inflation-adjusted pay was not equivalent to $165K. Well I would say that even 1 Senate term of 6 years of making $165K in the 2000s should be enough to have a net worth of over 150K.
Wiki says Biden won all his Senate reelection campaigns easily, so I don't see an "excuse" of Biden using his own money for his campaign. The only politicians I know of that fund their own campaign are billionaires anyways.
The only "excuse" I can think of, is that if there was a family emergency situation that nearly bankrupted him. For instance, a life-or-death health crisis that insurance didn't cover ala the movie Sicko. Other examples could be paying the bail for a family member to get out of jail, or being the victim of a fraud.
I doubt Biden has such an "excuse". If he doesn't, I'd hesitate to ever approve of Biden as a candidate. If you are a Senator for 34 years & can't stack more than 150K, you are poor at money management. If you can't adequately manage money at a family level (eg 5 people), I strongly doubt you can do it at a National level (eg 300 M people).