Frasier Sterling Hats and Tote Bags Just $14.99 at Target!

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Check out this find at Target! The trendy Frasier Sterling line of of hats and tote bags are all available for just $14.99!

These hats normally sell for $44, and the Target price is $2 less than anywhere else we found!

There are 19 styles at this price. Go ahead and see them all!

Shipping is free with Circle Card or free with orders of $35+.

See more deals at Target.

Check out this find at Target! The trendy Frasier Sterling line of of hats and tote bags are all available for just $14.99! These hats normally sell for $44, and the Target price is $2 less than anywhere else we found! There are 19 styles at this price. Go ahead and see them all! ShippingRead More

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Who Is MrBeast and How Did He Make His Fortune?

Fact checked by Vikki VelasquezKevin Mazur / Getty Images Jimmy Donaldson, also known as MrBeast, is a YouTuber who made billions.Jimmy Donaldson, known as MrBeast, is a billionaire thanks largely to his wildly popular YouTube videos. His other business ventures include a food company, an online clothing store, and Beast Games, a game show on Amazon Prime Video.Key TakeawaysJimmy Donaldson earns money from ad revenue and sponsorships from his various YouTube channels.MrBeast has over 320,000 million subscribers on his main YouTube channel and 500 million followers on social media.He gives money to charity, and this is sometimes featured in his YouTube videos.Popularity on Social MediaDonaldson has more than 500 million followers on social media and more than 320 million subscribers on his main YouTube channel, where his videos have almost 9 billion views. He is known for his stunts, such as staying in a cave for a week and living in a bunker for 100 days to win $500,000. He has a net worth of $1 billion and makes $50 million monthly from YouTube videos and other businesses.Early Days on YouTubeDonaldson started making YouTube videos in 2013 when he was just 12 years old. His original videos primarily showed live play and strategies for video games such as Minecraft and Project Zomboid. In the next few years, he began creating videos about top YouTubers at the time, including how much they made from their channels and how to get views and subscribers on YouTube videos.By 2017, Donaldson regularly uploaded the challenges and stunt videos for which he eventually became famous. His first big YouTube breakout video showed him spending 44 hours counting to 100,000 in 2017. It was viewed 21 million times. He read the dictionary in other videos and took Ubers across the country.In 2018, Donaldson started doing stunt philanthropy with his YouTube videos. In one video, he had people place their hands on a stack of $1 million. The last one to let go got the cash. He also made a YouTube video where he gave $1,000 to strangers. In another YouTube video, he adopted every dog in an animal shelter.Ventures Beyond YouTube VideosBeyond earning money from ad revenue and sponsorships for his YouTube channels, Donaldson sells clothes and other merchandise through his online shopping site. This is his second biggest source of income.In 2020, Donaldson launched MrBeast Burger with Virtual Dining Concepts. According to Donaldson, MrBeast Burger made revenue of $100 million from December 2020 to July 2022. In 2022, he launched a food company, Feastables, that sells chocolate bars and gummy candy.His game show, Beast Games, which was inspired by the Netflix hit "Squid Game" about a dystopian game show, premiered on Dec. 19, 2024, on Amazon Prime Video. In it, 1,000 contestants were competing for a $5 million prize. Beast Games had 50 million views in just 25 days. Despite the show's success with viewers, Donaldson says he lost millions doing the game show.Donaldson has donated millions to charitable organizations, including the Saint Jude Children's Research Hospital. He also donates money to homeless shelters and animal shelters.MrBeast Business ControversiesIn 2023, Donaldson filed a lawsuit against Virtual Dining Concepts for harm to his brand due to the low quality of the food offered by MrBeast Burgers and other quality control issues.According to the lawsuit, Virtual Dining Concepts focused on expansion by pitching the same concept to other celebrities rather than managing the quality of MrBeast Burgers. As a result, the brand experienced quality control issues such as late orders, unmarked packaging, orders that didn't contain the proper items, website troubles, and failure to give customers refunds. Donaldson is seeking the right to terminate the MrBeast Burger business.Also in 2023, Virtual Dining Concepts filed a countersuit against Donaldson for $100 million, claiming Donaldson failed to honor his contract and interfered in the business between Virtual Dining Concepts and MrBeast Burger. The lawsuit also claimed that Donaldson used his social media fame to encourage followers to seek other products and to disparage the MrBeast Burger.There is also controversy surrounding Beast Games. Competitors complained of unsafe working conditions on set, including a lack of food, being denied access to personal medications and hygiene products, and injuries caused by the game's physical challenges. A lawsuit filed in September 2024 accused Donaldson of creating unsafe working conditions for competitors who were aiming for the $5 million prize. The lawsuit includes allegations of sexual harassment and misrepresenting the odds of winning to competitors.The Bottom LineMrBeast, whose real name is Jimmy Donaldson, has created a $1 billion empire largely off the huge popularity of his YouTube videos. In his videos, he does a variety of stunts; in some, he gives money to charity. Through his YouTube videos, he earns money from ad revenue and sponsorships. Other business ventures include a fast food business, a clothing line, and a snack food company. His Amazon Prime game show, Beast Games, had record viewership, but Donaldson says he lost millions on the show.
Avoiding the $500K+ RMD Shock: Essential Tips for Retirees

Fact checked by Yarilet PerezKate_Sept2004 / Getty Images Talk to a financial advisor about a Roth conversion to lower the RMD hit.Required minimum distributions (RMDs) are mandatory annual withdrawals from a retirement account. And if your account has a high balance—say, $500,000 or more—you could have to withdraw a large amount of money every year (depending on your age, marital status, and life expectancy).Large withdrawals can mean bigger tax bills. What steps might you take to lower them? There are options. For instance, while you can't lower your RMD, you may want to consider a Roth conversion or a rollover to a workplace plan to lighten your financial burden.Key TakeawaysA high balance increases the amount of your RMD, which can increase your tax liability.While you can't lower RMDs, you can do a Roth conversion or a rollover to an employer plan if you're still working.Taking distributions before age 73 and/or larger withdrawals in a lower tax bracket can also relieve your financial burden.The Shock of High RMDsYou must begin taking RMDs by April 1 of the year after you turn 73. RMDs aren't calculated using a fixed percentage. Rather, they're based on a life expectancy factor determined by your age and marital status. This is then applied to your account balance.Calculate your RMD by dividing your year-end account balance for the previous year by your Internal Revenue Service (IRS) life expectancy factor, which can be found here. You should quickly see that the higher the account balance, the larger the distribution required."If your account balance is over $500,000, then your RMD percentage will inherently be greater than those with account balances below $500,000," Nicole White, a financial advisor with Edward Jones told Investopedia in an email.ExampleLet's say you have a traditional individual retirement account (IRA) with a $600,000 balance at the end of last year. You're 73 years old and are planning to take your first RMD. Looking at the IRS Uniform Lifetime Table,* your life expectancy factor is 26.5. Therefore, your RMD this year will be:$600,000 ÷ 26.5 = $22,641.51These added funds may push you into a higher tax bracket for the year if you have additional sources of income, such as a job, a rental property, or pension payments.*There are different life expectancy tables, so be sure to select the appropriate one.You can also work out your RMD using the Required Minimum Distribution Calculator from the Securities and Exchange Commission (SEC).Strategies to Reduce Your RMDsWhile White says that IRS guidelines prevent you from lowering your RMD, the following strategies may give you some relief:Convert your assets to a Roth account. Although you are taxed on the amount you convert, you aren't required to take any RMDs in the future.Roll over assets subject to an RMD into an employer plan if you're still working. According to White, you don't have to take RMDs from your current employer's plan until April 1 after the year you retire.You may also want to take distributions before you turn 73 and/or take larger ones when you're in a lower tax bracket. Future RMDs would likely be lower, which means you'd reduce future tax implications.The Bottom LineThe government wants its share of your retirement account earnings, so RMDs are in place to prevent tax avoidance. Those about to start their RMDs could be in for a surprise should the distribution be large enough to bump them into higher tax brackets."Working closely with a financial advisor can help ensure you don’t miss these important deadlines and can help you determine the right approach for your RMD funds based on your specific situation," White said.That, in turn, can align your finances with your long-term retirement goals.If you're unsure of when your RMDs must be taken (or how your retirement accounts work), speak with a financial professional associated with your retirement plan at work or with your IRA.
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