FYI, Montecito/Santa Barbara is absolutely not considered a neighborhood of LA, not even close.
Harry inherited money from his mother.
For example, using US numbers, because that’s were my own investments are & thus what I’m familiar with, if Harry inherited $10 million from Diana, invested around the time of her death, 23 years ago, that sum would have grown to around $58.5 million today, assuming 7-8% growth which is the US stock market’s performance since mid 1997.
Additionally I’ve read a number of reports that the Queen mum set up trusts for her grandkids, so like Beatrice and Eugenie, Harry probably inherited money from his great grandmother. There were reports that Harry inherited more that William from the Queen mother.
https://www.harpersbazaar.com/celeb...arry-prince-william-inheritance-queen-mother/
For all we know the Queen and Phillip may have established trusts for their grandkids, likewise Charles may have set up a trust fund for Harry, or possibly Archie and his cousins. Meghan, of course, earned a decent amount of money prior to her marriage and likely continues to earn some residuals, we don’t know if she invested her money, but it’s likely she did.
These people don’t live pay check to pay check, they pass wealth on from generation to generation by investing, setting up trusts to avoid taxes, etc..
While Harry and Meghan aren’t uber wealthy billionaires, they likely have enough in assets - his inherited and invested, hers earned and invested, to support their lifestyle.