The Margin: Disney is giving us Baby Yoda toys for Christmas | Merchandise featuring the breakout star of “The Mandalorian” on Disney+ will be available through stores like Amazon, Target and Macy’s.

The Margin: Disney is giving us Baby Yoda toys for Christmas

The Margin: Disney is giving us Baby Yoda toys for Christmas

The Margin: Disney is giving us Baby Yoda toys for Christmas

The Margin: Disney is giving us Baby Yoda toys for Christmas

The Margin: Disney is giving us Baby Yoda toys for Christmas

The Margin: Disney is giving us Baby Yoda toys for Christmas
The Margin: Disney is giving us Baby Yoda toys for Christmas
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Make Disney a lot of money, this will.

Spoiler alert for those who haven’t tuned into “The Mandalorian” on Disney+ yet, but the “Star Wars” series shocked and awwww-ed fans last week by revealing a surprise, adorable character. This 50-year-old alien baby is simply called “The Child” in the series, but the little green creature with the wide eyes and huge ears looks just like an infant version of the iconic Yoda character from the original “Star Wars” trilogy. It has been dubbed “Baby Yoda” or “Yoda Baby” by viewers on Twitter TWTR, +0.16%  and Instagram FB, +0.25%, as Yoda’s species and home planet have never actually been revealed by creator George Lucas or any of the “Star Wars” movies, so people simply don’t know what else to call it.

And many viewers have been clamoring for Disney DIS, +1.03%   to release plush and toy versions of the cuddly character. To the surprise of absolutely no one, their wishes have been granted.

CNBC has exclusively reported that “Baby Yoda” apparel and accessories will soon be available through Amazon AMZN, +0.08%, Zazzle, Target TGT, -0.70%,  Kohl’s KSS, +0.15%,  Macy’s M, +4.12%, Hot Topic and Box Lunch, and possibly as early as Friday. More products will be available at the Disney Store, ShopDisney and in Disney Parks before the holidays, as well, CNBC reported, while presales for plush toys and other playthings will arrive in the coming weeks. The toys will most likely come from Hasbro HAS, +1.39%, which has the exclusive license from Disney to make Star Wars, Marvel and “Frozen” toys.

Neither Hasbro nor Disney were immediately available for comment or to confirm retail and availability information when MarketWatch reached out to them on Friday morning. But there were four “Mandalorian” T-shirts featuring “Baby Yoda (aka “The Child”) available on Amazon early on Friday, starting at $22.99 apiece.

Related: Before you sign up for Disney+, use this calculator to add up the ‘true’ cost of your streaming services

“Baby Yoda” toys weren’t included in the early marketing and merchandise launch for the series, to avoid spoiling the surprise when the mystery baby was revealed. Director Jon Favreau told “Entertainment Tonight” that, “I have to thank Disney and Lucasfilm, because the way the cat usually gets out of the bag with that stuff is merchandising and toy catalogs and things like that. So they really back us up.”

He added, “That requires a lot of restraint from the people who are footing the bill, saying they’re gonna hold back on certain things so that the public doesn’t know ahead of time. Part of that was holding back on some of the merchandise and holding back on some of the characters.”

Marissa DiBartolo, Editor-in-Chief of The Toy Insider and The Pop Insider, told MarketWatch that holding back the “Baby Yoda” toys initially will probably work in Disney’s favor.

“As long as the merch hits before the holidays, it’s going to be a huge success. If it drops before Black Friday, which we expect it will, I guarantee it’ll be gone in an instant,” she said. “‘Baby Yoda’ will be the Tickle Me Elmo of 2019 — just grab yours before it ends up on eBay. “

Three episodes of the series have been released on Disney+ as of Friday, and the “Baby Yoda” character has become the show’s breakout star and a social media sensation.

“The Mandalorian” and Disney’s library of classic animated classics, Marvel blockbusters and “Star Wars” collections helped Disney+ rack up more than 10 million subscribers in its first 24 hours last week.

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Outside the Box: Soaring student debt is keeping people of all ages from a stable retirement. Here’s how to help

Outside the Box: Soaring student debt is keeping people of all ages from a stable retirement. Here’s how to help

Student loan debt and retirement savings aren’t typically discussed together — but a new study suggests they should be.

TIAA-MIT Age Lab research shows that 84% of Americans with student debt say that paying it back affects their ability to save for retirement. Of those who are not saving at all for retirement, more than a quarter point to their student loan debt as the reason. Such findings are especially concerning at a time when an estimated half of all Americans will be financially vulnerable when they retire.

Student loan borrowers face a delicate balancing act in their financial lives as they weigh their responsibility to pay off student debt against other obligations and desires. The TIAA-MIT Age Lab study found that in addition to the impact on retirement savings, young people saddled with the highest levels of debt are also delaying major milestones such as getting married, buying a home, and having children.

By delaying saving for retirement, these young people might lose the ability to take full advantage of the powerful benefits of compound interest, that’s the snowball effect that occurs when reinvesting earnings on one’s savings to generate earnings, gets reinvested to create more earnings, and so on. Over time, compounding can substantially grow a person’s savings, so the earlier one starts saving, the better. Yet research shows that college graduates with student loan debt, no matter how much, accumulate about half the retirement wealth by age 30 than graduates without debt.

Read: Here are the top 3 colleges in America for a return on your investment — and not one is in the Ivy League

It’s important to note that student loan debt is not just a millennial issue. Although the vast majority of borrowers are in their 20s and 30s, Americans age 50 and older hold 20% of the total balance of student loan debt. These are parents and grandparents who have borrowed to fund a loved one’s — or their own — education and who are much closer to retirement than their millennial peers. The challenge for older borrowers is that they have fewer years left in the workforce to “catch up” on their retirement savings.

To be sure, a college degree remains one of the smartest investments a person can make in his or her financial future. A growing proportion of jobs require either a bachelor’s or associate degree or a certificate — and that trend will only accelerate.

Student loans that lead to a college degree can produce tangible returns in the form of higher lifetime earnings and employment rates. On a societal level, a college education also correlates to a host of other positive outcomes: college graduates, for example, vote at nearly twice the rate of those with only a high school education and they report better health throughout their lives.

Read: How wiping out $1.5 trillion in student debt would boost the economy

As student loan debt has risen to $1.5 trillion — a 300% increase over the past decade — some have implied this presents a risk to U.S. economic stability. That’s simply not the case. Today’s high student debt levels may be a relatively new phenomenon, but borrowing to fund one’s education has a long history. Most borrowers will pay back their loans. The key challenge is more about the impact on individuals’ financial lives and decision-making. In that respect, the way forward for our nation is clear: We must ensure that individuals can continue to fund a college education and reap the benefits it brings without sacrificing their long-term financial security. It will require the efforts of multiple sectors of society — borrowers, higher education, employers, and government — to make this possible.

Borrowers and their families must ensure they gather the knowledge needed to make wise decisions about taking on debt. This includes researching the salary projections for a given degree to help decide how much debt is feasible. Borrowers must also be clear about their various loan options, the obligations of each, and the relevant repayment rules.

Read: How much spending money should you give a college student?

Colleges and universities should provide financial education and counseling to students. A great resource is The Council on Graduate Schools (CGS), which has compiled, with TIAA’s support, best practices in financial literacy programs in higher education. CGS has also developed GradSense, a tool for students considering getting a graduate degree that enables students to see the median debt levels for those pursuing that degree and the median salary levels for their desired career. These tools help students to better understand the impact of their chosen degree on their future earnings.

Colleges and universities must also focus on the issue of degree completion, which is a key factor in how student loan debt impacts borrowers’ financial lives. Many students who fail to graduate are unable to pay off their loans, even small ones, and end up worse off financially than when they first enrolled. Their default rate is almost 25%, compared with 9% for students who complete their degrees.

Employers can make financial advice or counseling/coaching available to their employees, directly or through their retirement plan providers. Advice and coaching are key to helping people navigate the competing demands of saving for retirement while paying down student loan debt. Some employers have also implemented a creative approach to helping employees meet these two critically important financial goals. They contribute “matching funds” to the retirement accounts of employees who are paying off student loans. Others offer employees guaranteed retirement contributions with limited or no match requirements, allowing their retirement savings to grow even if an employee isn’t able to contribute while they’re paying off their student loan debt.

Policy makers can enact laws and regulations that encourage people to save for retirement even as they pay down their student debt. Several innovative solutions merit consideration, such as approaches that simplify loan programs and leverage income-based repayment options. In the case of the employer “matching funds” programs, the IRS has already granted provisional approval for such arrangements as it studies the issue more closely, and a bipartisan bill sponsored by Sens. Rob Portman (R-Ohio) and Ben Cardin (D-Maryland) would codify the provision in the law.

An equally important task for policy makers is to address the issue of Americans’ low financial literacy levels, which hinder people’s ability to effectively manage their financial lives. We know that high financial literacy levels are linked to the kinds of behaviors that increase financial well-being, like saving for retirement, having an emergency fund, and tracking spending. Yet financial literacy skills have declined since the Great Recession, and the drop is particularly sharp for Americans aged 18 to 34, according to a recently released study from the FINRA Investor Education Foundation.

Today, there are just 20 states that require high-school students to learn financial literacy skills. More schools should offer such classes and legislation recently passed or pending in several states offers constructive steps forward.

It will take the combined efforts of many, but we can help people of all ages successfully navigate the challenge of managing and paying off student loans while also saving for retirement. It is indeed a balancing act, but the result — preparing for a financially secure retirement — is also a critically important task. Americans already face plenty of challenges in achieving this goal. We can’t allow student debt to become another obstacle.

Roger W. Ferguson, Jr., is the chief executive officer of TIAA, a leading provider of financial services in the academic, research, medical, cultural and government fields.

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