Christian McCaffrey, Olivia Culpo

Christian McCaffrey and Olivia Culpo are both rich and successful, but even they have a limit when it comes to Super Bowl tickets ... with the NFL star's mom revealing they couldn't secure a suite for the Big Game due to the insane price tags.

Lisa McCaffrey broke it all down on her "Your Mom" podcast this week ... saying her son's loved ones will be sitting among the normies when the San Francisco 49ers and Kansas City Chiefs face off at Allegiant Stadium next weekend.

Christian McCaffrey and his mom Lisa McCaffrey

"We looked into a suite and none of us can afford it," Mama McCaffrey said. "Not even Christian, money bags over there -- nor money bags Olivia. So, we are not in a suite, I’ll…