The youngest multi-millionaires on this year’s Sunday Times Rich List

And you’re not even out of your overdraft

Every year the Sunday Times publishes its Rich List, described by the paper as “the definitive guide to wealth in Britain and Ireland”.

The list is mainly comprised of lords, bankers and property tycoons – but among its ranks there are also some very young, and very powerful, players.

Look away now if you get jealous easily – these are the youngest  multi-millionaires on the Sunday Times Rich List 2016.

Nick D’Aloisio, 20, £20m


Most of us spent our GCSEs putting off revision by daydreaming about who we were going to pull in Newquay. Nick D’Aloisio used the time to develop news app Summly, which he then sold to Yahoo! for a cool £30m.

Besides being Airbnb’s “entrepeneur in residence” and investing in artificial intelligence startup DeepMind, Nick now studies Computer Science and Philosophy at Oxford.

Niall Horan, Liam Payne and Harry Styles, 22, £33m


The three youngest members of 1D have two years on Louis Tomlinson, and £3m more in the bank than former bandmate Zayn Malik.

Perhaps going in his own direction wasn’t such a good idea after all.

Sam Smith, 23, £20m


Love him or loathe him, you can’t deny the catchiness of Sam Smith’s songs – and the £20m he’s earned from them goes some way to prove it.

A spot on the Rich List should sit nicely next to the Oscar he won earlier this year.

Cara Delevingne, 23, £14m


As well as the most famous eyebrows on the planet, Cara Delevingne and her sister Poppy have an estimated net worth of £14m.

Even before she turned 20, Cara reportedly wouldn’t get out of bed for anything less than £6,000 a day.

India Rose James, 24, £482m


The second-richest person under 30 on the list, Soho heiress India Rose James and her sister Fawn are worth £482m – to put that in perspective, that’s three times as much as every member of One Direction put together.

How did she do it? Well, the half a billion inheritance from her grandfather Paul Raymond helped.

Ed Sheeran, 25, £45m


Everyone’s favourite flame-haired crooner has made a ridiculous £25m in the last year alone, thanks to superstardom in the US and an international tour.

Sheeran is expected to release a new album this year, so expect another astronomical rise by next April.

Eden Hazard, 25, £18m


A woeful season hasn’t stopped Hazard being the youngest sportsman on this year’s Rich List – although he’s got a long way to go before he reaches Wayne Rooney’s dizzying £96m.

Still, £200k a week isn’t half bad.

Daniel Radcliffe, 26, £74m


The former boy wizard has completed his transformation into a well-respected adult actor, although with £74m in the bank he could just as well up sticks and buy a private island (or 10).

Harry Potter castmate Emma Watson isn’t far behind, with £35m to add to her Ivy League degree and UN Ambassador position. Rupert Grint is lagging, however – although we’d happily settle for his £26m.

Rory McIlroy, 26, £56m


With homes in Dubai and Florida and two years and counting as golf’s top-ranked player, expect Rory McIlroy to be a mainstay in this list for years to come.

After all, he did just sign a 10-year deal with Nike – for £100 million.

Matt and Cassey Topham, 26, £48m


On a list filled with mind-boggling success stories and eye-watering inheritances, it’s nice to see a bit of dumb luck. Decorator Matt and Iceland employee Cassey bought a EuroMillions ticket in 2012 when they were both 22, and ended up £45m richer.

Alright for some, eh?