Harry reportedly receives $1 million a year from BetterUp ( I think) and it was reportedly $500,000 or $ 1 million per year from the Aspen Institute, which is a joke as Harry has done even less for the Institute as he has as CHIMPO for BetterUp.
It wouldn't surprise me that the money he received from his mother, QEQM, and his grandparents has been used up. Not only do Harry and Meghan spend on themselves like there's no tomorrow, there's the mortgage plus upkeep on Casa del Sussex, if they live there. In addition to all the costs of living that we unwashed public pay, electricity, gas, water, sewer. Then there's the taxes on the property etc. Plus the $4-4.5 million for their stupid security goons.
Even if they live separately, Meghan isn't going to pay rent or whatever, Harry will have to pay her expenses or the kids will be withheld from him. I still think that the amt. of money they are to receive from Netflix for "production", they use that as personal spending, the same with Spotify when they were under contract.