When she stepped out at Westminster Abbey with fiancé Prince Harry for her first official duty alongside Queen Elizabeth on Monday, Meghan Markle’s $1,000 white coat from British designer Amanda Wakeley turned heads. Along with the rest of her enviable wardrobe — including the Sentaler coat she wore at Christmas to designer Welsh jeans from Hiut — Meghan’s chic style comes with a hefty price tag. And it’s all paid for out of pocket — for now, by Harry and Meghan themselves, PEOPLE understands.