Two additional points: the top leaders are working full time (harder than I work tbh) to keep the Church running. There's millions of dollars each year being spent on humanitarian efforts, and that's not counting the non-cash goods that the Church collects/farms/manufactures and distributes.

Second, these stipends come out of some investments or for-profit entities that the Church owns. (E.g. the Church has at least one large cattle ranch.) None of this comes from the donations of the members of the Church.