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The rising costs of wireless plans are highlighted, with a T-Mobile bill example showing extra fees and taxes inflating the monthly total. The focus shifts to finding a monthly dividend stock to cover expenses, with AGNC Investment Corp. (ticker symbol: AGNC) highlighted for its high dividend yield of 14.4%. The video questions if this yield is sustainable and can consistently cover bills. A brief explanation of mortgage REITs is provided, showing how they borrow money on short-term rates to invest in long-term mortgages.