Harlow Madden is only six months-old, but she’s already a multimillionaire. In fact, the baby beauty’s even richer than Mom Nicole Richie.

Harlow’s maternal grandpa, R&B legend Lionel Richie, has set up a trust fund worth an estimated $5 millionfor his first-born granddaughter.

In addition to the lovely offering from Papa Lionel, dad Joel Madden has also set up a seven figure trust for Harlow.

“She is a heiress to two music dynasties. She’s set for life,” a Star insider whispers.