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Yeah, but if you use a T-Mobile phone for 2FA on a 6-figure asset, you're gonna have a bad time.

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Why is that? T-Mobile requires a PIN before they'll talk to you about account services.

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All I know is, every time I hear about someone having their phone cloned and their finances disrupted, it's always T-Mobile.

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I haven't heard of that since they instituted the PIN program a while back.