Well your info is probably as off base as mine...but here we go
“Prince Harry and Meghan Markle have an estimated net worth of $60 million, according to Celebrity Net Worth’
Someone's net worth is based on many different things;not just bank accounts and;or trust funds.
It is public info as to WHAT Harry was left by Diana AND how it was to be paid out.
The house in California and Diana's jewelry are part of their net worth, even though that house is mortgaged up to the hilt. So is any other property and other family items that Harry and Sparkles may have possession of.
It does NOT take into consideration what their outlays may be.
And ALL of the published monetary payoffs from Netflix and Spotify are for future products...NOT what they get/get to keep. Also, it was NEVER given to them in one lump sum.
Diana left him around $30 million; however, that was NOT given to him, all in one lump sum, when she died. It was slowly doled out, over time, but by bit, to be finally paid in full ( what is left ) upon Harry reaching the age of 40, which will be in September. How much is left, is NOT public knowledge, but MAY be included in his networth; though he can't touch it yet.