All the Hacks: Money, Points & Life All the Hacks: Money, Points & Life

The Best Cell Phone Plans (and How I’m Saving Big)

Sep 23, 2026 · 50m

Summary

Chris Hutchins breaks down the US cell phone market to help listeners save money by exposing how carrier device subsidies often lead to overpaying for plans. He compares major carriers like T-Mobile, Verizon, and AT&T against MVNOs, highlighting that services like US Mobile, Visible, and Total Wireless offer superior features for significantly less. The episode details specific plan recommendations, including the benefits of US Mobile’s multi-network feature for seamless carrier switching, and provides tips on securing the best iPhone deals and setting up affordable backup internet solutions.

Topics discussed

Introduction: The hidden cost of carrier device credits Why now: Contract expiration and new iPhone season The illusion of free phones and carrier deals Carrier landscape: Major networks vs. MVNOs Changes in perks: Airline WiFi and credit card fees How device subsidies and trade-in values actually work Comparing plan costs: Why MVNOs are cheaper Family plans and the 'free phone' marketing trap Sponsors: Quince, Fora Travel, and GELT Data caps, hotspot limits, and 4K streaming throttling Choosing a carrier: Coverage and feature priorities Understanding QCI levels and data prioritization Shortlisting the best MVNO plans for 2024 Budget options: Mint Mobile and Total Wireless Mid-range options: US Mobile and Visible Premium options: US Mobile Unlimited and Visible Plus Sponsors: GELT and DeleteMe Summary of best plans by price tier US Mobile multi-network features and future updates Choosing networks and using referral links Secondary lines and backup cellular data solutions Sponsor: ZocDoc Phone insurance: AppleCare vs. credit card coverage Buying iPhones: Why buying from Apple is better Financing options and final thoughts
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