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I'm so glad you're with us today on the Clark Howard Show where it's about you learning ways to save more and spend less and don't let anyone ever rip you off.

Clark.com is our website. Clarkdeals is our bargain site. Clarkdeals.com. If you're not been there, check it out. I'm going to talk about deals for your wallet in just a second coming up in 20 minutes.

I got to talk to you in today's Clark Regist moment about student loan forgiveness. There's some weird things going on with that.

I need to talk to you about proper documentation and how you protect yourself with your student loans. And coming up in a half hour, I have a warning for you if you are a small business doing business with Wells Fargo.

But beyond the small business doing business with Wells Fargo, I have key tips for you at your business doing business with whatever bank you're using. And that's coming up in just 30 minutes.

As I said, I want to talk about a deal for your wallet and it involves your cell phone service. There have been such major changes in the business ever since

T-Mobile got that foul mouth John Ledger running itself. The guy looks like some kind of middle-aged guy trying to act like a 20-year-old kid.

He's got this weird hair and he used to be like a guy who was completely corporatized in the full corporate suit deal, very conservatively tailored and all that.

Then he became this guy who's trying to be with it and like he's with some kind of heavy metal band or something. And good for him because he changed what you pay and what you get for cell phone service.

He blew the anti-consumer business model of the cell phone industry apart and decided that instead of doing everything again and again that people hate and just keeping doing what people hate, which to me is kind of like a definition of insanity.

He said, why don't we give people what they want? And he changed the relationship of the cell phone industry to its customers. Everybody else came along kicking and screaming.

Even if you don't use T-Mobile, you got to thank this unusual guy, John Ledger, who I'm telling you, the guy uses cuss words as connectors where the rest of us would use A and A and D.

And he loves poking fun at the competitors. I think he used to work for AT&T, but he hates them and they hate him and it seems to work out well for both of them.

But what's especially worked out well is for you and I want to take a moment and address something I have failed to that I know, you know, I know when I get feedback from people as I wander around the country, that's when I learn I've missed something.

So when the cell phone rates went to unlimited data a few months ago, all I kept talking about is for a family of four, this is what you pay, family of four with this one, family of four with that one, family of four with the next one, family of four with the last one.

Well, most people don't buy a plan is a family of four, they buy a plan is a family of one or two most often is two and I totally ignored you.

So I went back and I looked at the rates for one person and for two people.

And for one person, there are great deals available on the AT&T network, the Sprint network and the T-Mobile network.

But here's the riddle, the great deal for one person is not with the brand name company in any cases with their discount brand that they fully own, but they have for price sensitive customers.

And so as an example, if you want to be on AT&T's network and get the best deal you can for one person with unlimited talk, unlimited text, unlimited data, cricket wireless, which is AT&T and everything but name, 55 dollars a month for one person.

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