“Even Edward and Anne don’t live at the rate Fergie did,” Lownie said. “She had five times as many staff as Diana.”

Lownie traced Ferguson’s taste for extravagance back to her early romance with Formula 1 magnate Paddy McNally, who introduced her to a life of luxury filled with ski chalets, yachts, and constant travel. She allegedly once spent £51,000 in a single Selfridges shopping spree on clothes and party supplies.

Financial Struggles After Her Divorce

Despite receiving a divorce settlement from the royal family in 1996, Ferguson’s payout was modest compared to Princess Diana’s £17 million. Fergie reportedly received only a one-off payment, a trust fund for her daughters, and a few personal items such as the York tiara.

In a now-infamous incident, Ferguson lost the tiara at JFK Airport after checking it into her luggage. It was later recovered from an airport employee’s locker.

By the late 2000s, Fergie’s debts had soared into the millions, leading to mounting desperation. Her financial woes culminated in a scandalous 2010 tabloid sting, where she was caught attempting to sell access to Prince Andrew for cash.

The Epstein Connection and a Tarnished Reputation

Adding to her troubles, Ferguson accepted money from Jeffrey Epstein to settle some of her debts—a move that drew harsh criticism and further damaged her reputation.

It remains uncertain where Ferguson will live after vacating Royal Lodge. Some royal insiders speculate that she might temporarily stay with one of her daughters. Princess Beatrice and Princess Eugenie, who have largely avoided the fallout from their parents’ scandals, divide their time between homes on royal estates and private residences abroad.

As the once-glamorous Duchess faces the prospect of losing both her royal home and financial security, her story stands as a stark reminder of how privilege and excess can lead to ruin.