Are you willing to be more specific? I come from a pretty middle-class background. What financial stressors do you have?

Is this at a FAANG company?

Could you advise how you reached that level of compensation? Is grinding hundreds of Leetcode problems necessary?

Fake it til you make it. The game is all about perception/value. If you have a higher perceived value than actual value it plays to your benefit.

You really need to turn around the interview on the interviewer. Best means of accomplishing this is to run through the technical evaluation as quick as possible, then turn the question around in terms of whether it would solve their current problems with what they're working on. It likely won't, so try to identify current problems within the organization/team/project. Dig into those problems and help identify solutions. Question the tradeoffs with the existing system and their current approach.

Just offer solutions.