To recreate Meghan Markle Montecito decor on a budget, focus on a natural color palette of warm whites and neutrals, use textured finishes like plaster or linen, and incorporate sculptural, minimalist furniture pieces. Replace flashy lighting with soft, concealed LEDs or linen-shaded lamps to bring calm. Prioritize quality over quantity by editing possessions to highlight meaningful items, enabling a luxury look without high costs.