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The text highlights the increasing cost of wireless plans, with the example of a $140 T-Mobile bill becoming $224 with fees and taxes. The speaker, a dividend stock investor, aims to find a monthly dividend stock to cover these costs. They introduce AGNC Investment, ticker symbol AGNC, which offers a high 14.4% dividend yield. However, they express skepticism about whether this yield is sustainable. AGNC is a mortgage Real Estate Investment Trust (REIT) that borrows money at short-term rates to invest in long-term mortgages.