Crossword Genius

Well-off, linking those people to individual in one US city (2,3,5)

Ross

I believe the answer is:

in the money

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'well-off' is the definition.
(thesaurus)

'those people to individual in one us city' is the wordplay.
'those people' becomes 'them' (I've seen this before).
'to individual' becomes 'one'.
'in' indicates putting letters inside.
'one' becomes 'i' (Roman numeral).
'us city' becomes 'ny' (I've seen this in other clues**).
'them'+'one'='themone'
'i'+'ny'='iny'
'themone' going within 'iny' is 'IN THE MONEY'.

'linking' acts as a link.
I am not very happy about this link. It may belong to another bit of the clue.

Can you help me to learn more?

(Other definitions for in the money that I've seen before include "Flush" , "Well-off" , "rolling" , "Very wealthy" , "Suddenly rich" .)

I've seen this clue in The Times.
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