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The presidential salary is $400,000/yr, which is pretty small compared to a lot of NATO countries. Jill just has to pull in $200k, which is probably pretty doable for people with their background- I'd bet they own a business or two at least, in which case this is still fairly modest in the US. It's an unimaginable amount of money for me and almost anyone I know, but it's really not out of the ordinary (and maybe even pretty low) for someone in an ownership/leadership position in the US.
Here's a full breakdown:
From USA Today
Biden does get a pension for his time as Vice President and senator and they both qualify for social security.
Damn, they’re not rich enough to buy a large house in a blue state.
You know we don't charge the full price of the house all at once in blue States right?
He owns two houses in Blue states, that's where 7 million dollars of his 10 million dollar net worth comes from.
Still significantly less than any usual oligarch, dictator, or any member of an S&P 500 company C suite.
Joe Biden's net worth is around $10 million.