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Helton from Grand Forks, North Dakota discusses how he and his wife recently got married and switched to their own phone plan with Verizon. They discovered that with a two-year contract, if you pay for your phone upfront, there is an extra $20 charge each month. However, if you lease the phone through their payment plan, you can avoid this charge. Kelton questions if there is actually a $20 charge for paying cash for the phone with Verizon, as he has multiple phones on his account and doesn't pay this extra fee. They suggest revisiting the information to clarify.