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welcome everyone today were going to learn how to lower your cell phone bill [Music] part of investing part of savings is lowering your expenses one of the biggest expenses that we have our ongoing basis is our cell phone bill if you can lower that you can save a thousand dollars a year and were going to show you how to do that so the first step is knowing your enemy i mean your carrier ah most of us in america are on verizon att t-mobile and they have you on a contract you buy your phone you get your cell phone plan its all bundles it seems convenient and you get these thousand dollar phones for only twenty dollars a month it seems like a deal were going to show you how to unravel each part so you can get the best deal the first thing to understand is the average cell phone cost in america the average cell phone plan is 113 dollars that is three hundred fifty six dollars per year considering the typical american salary is run i think around fifty five thousand dollars a year that