Same Verizon/T-Mo/AT&T network for $15–$25/mo instead of $80.
MVNOs lease bulk capacity from the Big 3 and resell at 60–80% off: Mint Mobile (T-Mo), US Mobile (VZ + T-Mo), Visible (VZ), Google Fi (T-Mo + intl), Consumer Cellular (AT&T + T-Mo). Identical coverage, no throttling for most users under 30 GB/mo. A family of 4 saves $200–$260/mo = $2,400–$3,100/yr. Business lines can move to US Mobile Pooled or Google Fi for-Business.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Build $100K–$500K of 0% intro-APR unsecured credit.
Stack personal 0% purchase/BT cards; deploy the float into cash-flowing assets.
3% BT fee for 18mo = ~2% APR — arbitrage vs 5% T-bill / private lending yield.
Route all business AP through 2%+ cashback cards — permanent margin lift.
Amex MR / Chase UR / Cap One transfers = 4–8¢/pt on business travel.
Sequenced personal + EIN-only biz apps for $20–50K/yr in tax-free SUBs.
Multiply SUBs and 3–5x category earnings without new hard pulls.
Pay earnest money, closing costs, or seller with a card at 2.9% fee.