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Like everything else in that world it's really fucking complicated. He didn't get a check for $53 billion. He got a huge chunk of Tesla. First, I don't know of he gets it all at once, but second, even if he does it takes something like 6 months before he's allowed to sell it or use it as collateral due to being leadership at Tesla. Also the value is falling, so by the time he gets to sell it, it'll be worth less than today.
Also, I think this guy (or at least his companies) has monthly bills in the hundreds of millions between all his failing companies - boring company, starlink, Twitter. All of them are losing money. But what his personal finances look like I really can't know.
Caveat: this is my understanding pieced together from a bunch of sources I consider reliable, and upon which I relied for my earlier comment. I'm not an encyclopedia and could be wrong about some things.