Jobless couple Harry and Meghan will "need to make money quickly" to pay of their £500,000-a-year bills at their plush new mansion.
The Duke and Duchess of Sussex, who quit the royals this year, recently shelled out £11.2 million on a new family home.
The 18,000-square foot property in Santa Barbara boasts a nine bedrooms, a tennis court, and a pool.
Prince Harry reportedly lent on the bank of dad for helping buying the house - which the couple say will be their family home for baby Archie.
But they have been warned they will need to start earning if they want to afford the lifestyle.
It is reported that the pair paid a £3.8million deposit to City National Bank leaving a £7.4million mortgage over 30 years at £34,750 a month.
That is a staggering £417,000 a year.
The Sussexes would have had to convince the lender they had the funds for repayment, despite neither having a steady wage, according to The Sun.
And property tax in Santa Barbara is thought to tally up at around £52,000-a-year for homes worth more than £7.6m.
Staffing and utility bills could also soar as the Sussexes said they will cough up £5million-a-year for private security.
They are also already paying back £18,000-a-month for the £2.4million revamp of their old home in Windsor, Frogmore Cottage.
The eye-watering bills have sparked a warning that the unemployed pair must start bringing home the bacon.
Royal finance expert David McClure told The Sun: “I am surprised they can afford it all. They must start making money quickly.”
The massive outgoings mean that the Duke and Duchess will have to start earning or eat into their estimated £23million fortune.
Since quitting the royals the Duke is known to have undertaken one paid appearance - earning £700,000 for an address at a star-studded JP Morgan summit in Miami in February.
It is understood that Harry is reliant on £6.5million from mum Princess Diana’s will - along with £4million left by the Queen Mother.
And the bank of Dad has reportedly played a big part in funding the couple’s new lifestyle in the States.
Royal insiders have claimed that Prince Harry reverted to his father to stump up the cash for the Sussexes’ new £8m home.
A source told Mail Online: “Charles had been keen to help out and put his hand in his own pocket to assist.
"He is devoted to both his sons and any time he can assist them he always will".