And how much money do they really need?
The house seems to be paid.
The contracts with Netflix and others are made.
Staff, ok, but what else? The pandemic safed them a lot of money I guess,
no travelling, no red carpets=no expensive clothes needed.
Archies nursery, ok.
Not much more rhan anybody else would have to pay for.
And Harry is a rich man, Meghan knows how to live "normal".
Their money would be enough for quite a while.
House has a mortgage so it isn't paid, plus they'll have property taxes, insurance, and standard repairs/maintenance for years to come. Who knows how much of a down payment they made - let's say $5m and they financed $6m at 2.75% interest - that's $24,500/mo right there plus the property taxes, HOI & maintenance = somewhere between $375,000 and $400,000/yr.
The traveling & red carpets will return - and Meghan will always find a reason to wear expensive clothes - remember the Armani dress she wore for the Oprah interview in March?
The kids will both have school and activities as they grow - and they're not going to be attending the public/taxpayer funded schools in Montecito, I'm sure.
Then, there's also personal health insurance for H, M, A & Baby Girl Sussex. Without employer-covered health insurance, they're going to be paying at least $10k/month for that, which translates to $120,000/yr.
Staff - I'm not sure how much staff they have - assume they each have a personal assistant, a housekeeper, an au pair or nanny (let's be real, they can't take care of their kids all of the time between meetings & events), possibly a personal chef. I'm not sure what the median pay in SoCal is for any of those positions but, that's four, possibly five paid staff members, not to mention security would be contracted out, but even just one security officer on staff 24/7 equates to four more employees weekly. Let's say they're cheap and the average that they're paying in salary alone is $45k x 8.5 employees = $382,500/yr. Even if the PAs fall under Archewell for HR purposes, they are still paying, in most all likelihood, close to $300k for staff.
Let's say Harry hasn't touched the principal of the $30m Diana reportedly left him. What's the interest that he's collecting on that yearly? 2% interest = $600,000. Just doing the math on staff, house, insurance alone comes out to more than $900,000 yearly. And that doesn't include travel, clothing, or the children's eventual expenses.
Yes, had they chosen to remain in the UK or chosen a less-expensive part of the US in which to live, they could have easily lived within the means of Harry's private fortune. But, given the choices they have made, there's no way that they're able to live on the interest from his fortune alone. Plus, they're angry and mad that they're having to spend some of that money on things like security or house payments.
As far as the 3am Embassy phone call - seems to me that the obvious answer is Harry & Meghan had their phones off and chances are good that no one in the BRF personally had the phone #s for a personal assistant or any staff members, which doesn't surprise me one bit. I don't necessarily leap to the conclusion that Harry wasn't taking any calls from any of his family - I think it was 3am and he has a pregnant wife and a toddler, so they turned their phones off. So, the BRF reached out to the UK Embassy/Consulate in LA to get ahold of Harry - it's probably a lot more reasonable to expect that someone in the Embassy/Consulate did have the phone #s for H/M's staff or could access that information quickly or, worse case scenario, send the county sheriff around to the house.