Holiday Tipping Quiz

How much should you leave for good service?

by John Waggoner, AARP, Updated December 14, 2021

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John Waggoner covers all things financial for AARP, from budgeting and taxes to retirement planning and Social Security. Previously he was a reporter for Kiplinger's Personal Finance and  USA Today and has written books on investing and the 2008 financial crisis. Waggoner's  USA Today investing column ran in dozens of newspapers for 25 years.

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WayForth Home Transition Management

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Banking & Investments

Personal Loans from Marcus by Goldman Sachs®

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Technology & Wireless

AT&T

Members can save monthly on qualified AT&T wireless plans

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{"hideCategory":false,"useAlternateLanguage":false,"headlineIconAltText":"","listItems":[{"categoryTitle":"Technology \u0026 Wireless","categoryUrl":"/benefits-discounts/?category\u003dtechnologyandwireless","categoryDeeplinkParam":"technologyandwireless","isLimitedTimeOffer":false,"offerJson":{"offer_id":"10042","offer_title":"AT\u0026T Signature Program","offer_short_title":"","offer_short_description":"Members can save monthly on qualified AT\u0026T wireless plans","modified_on":1538397840,"created_on":1477663080,"featured_offer":"80","last_updated_by":"Gretchen Quiteles","offer_description":"\u003cp\u003eMembers can learn how to save up to $10 per line per month on the AT\u0026amp;T Unlimited Elite® plan, plus receive up to $45 in waived activation and upgrade fees. \u003c/p\u003e","redemption_type":"yes","starts_on":1538366400,"created_by":"asi_admin1","country_code":"US","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003e\u003cb\u003eAT\u0026amp;T Signature Program Disclaimers\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T SIGNATURE PROGRAM DISCOUNTS:\u0026nbsp;\u003c/b\u003eAvailable to qualified employees, students \u0026amp; other authorized individuals associated with eligible companies, universities \u0026amp; other sponsoring organizations with a qualifying service agreement (Business Agreement). Must validate eligible online or provide valid employee badge/paystub, student ID, or other approved proof of eligibility in authorized retail store \u0026amp; subscribe to service under an individual responsibility account for which the qualifying individual is personally liable. Discount subject to Business Agreement \u0026amp; may be interrupted, changed, or discontinued without notice. Additional restrictions apply. \u003cb\u003e\u003cu\u003eCredits/Discounts\u003c/u\u003e\u003c/b\u003e: Start w/in 2 bill cycles after service activation \u0026amp; eligibility confirmed.\u0026nbsp; Applied after application of any available credit. \u003cb\u003e\u003cu\u003eService discount\u003c/u\u003e\u003c/b\u003e:\u0026nbsp; Req’s AT\u0026amp;T Unlimited Elite plan. $10 discount applied after the application of any available Autopay, paperless bill, only on phone lines 1 – 5. Any additional phone lines added over 5 and up to max of 10 reduces all phone line (including lines 1-5) discounts to $5/mo. per phone line. May not be stackable w/other oﬀers, credits or discounts. \u003cb\u003e\u003cu\u003eExclusions\u003c/u\u003e\u003c/b\u003e: Military, Veterans, First Responders, Massachusetts Public Sector Employees, AT\u0026amp;T employees, EMO, IMO and FirstNet customers. May not be combinable with other select offers or promotions.\u0026nbsp;\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cb\u003e\u0026nbsp;\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAT\u0026amp;T UNLIMITED ELITE® PLAN:\u003c/b\u003e All AT\u0026amp;T wireless services subject to terms and conditions in the Consumer Service Agreement (\u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/legal/terms.consumerServiceAgreementInformation.html\" target\u003d\"_blank\" rel\u003d\"noreferrer\"\u003eatt.com/csa\u003c/a\u003e). Phones only. Advertised monthly price includes monthly plan charge for talk, text and data \u0026amp; monthly per-line phone access charge for access to such services.\u0026nbsp; \u003cb\u003eOTHER RESTRICTIONS \u0026amp; FEES:\u003c/b\u003e Activation/upgrade fee per line (up to $45) \u0026amp; deposit may apply. \u0026nbsp;\u003cb\u003eAutoPay \u0026amp; Paperless Bill Discount:\u003c/b\u003e Monthly discount $10 per phone line when active \u0026amp; enrolled in both. AT\u0026amp;T employees, retirees \u0026amp; IMO consumers are not eligible for the AutoPay and Paperless bill discount. Discount starts w/in 2 bill cycles. Credit card may be required (except for MA, PA and ND). Pay full plan cost until discount starts. \u003cb\u003eUNLIMITED DATA:\u003c/b\u003e For use in the United States (the “Domestic Coverage Area” or “DCA”), Mexico and Canada. \u003cb\u003eDATA RESTRICTIONS\u003c/b\u003e: 2G off-net data speeds may apply. All AT\u0026amp;T service is subject to AT\u0026amp;T network management policies. See \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://about.att.com/sites/broadband\" target\u003d\"_blank\"\u003eatt.com/broadbandinfo\u003c/a\u003e for details. \u003cb\u003e5G SERVICE\u003c/b\u003e: Requires a compatible 5G device. 5G service is not available everywhere. See \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/5g/consumer/\" target\u003d\"_blank\"\u003eatt.com/5Gforyou\u003c/a\u003e for details.\u0026nbsp; \u003cb\u003eVIDEO STREAMING:\u003c/b\u003e Includes Stream Saver feature which allows you to stream higher definition video (up to 4K UHD) in Standard Definition on compatible devices (unless video provider has opted out). Stream Saver will not recognize all video content. Ability to stream and video resolution may vary and be affected by other factors. To enjoy access to higher definition video on compatible devices and when available, you can turn it off or back on at any time at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://att.com/myatt\" target\u003d\"_blank\"\u003eatt.com/myatt\u003c/a\u003e or call 611.\u0026nbsp; Restrictions apply. Details at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/offers/streamsaver/\" target\u003d\"_blank\"\u003eatt.com/streamsaver\u003c/a\u003e. \u003cb\u003eActiveArmor\u003csup\u003eSM\u003c/sup\u003e Advanced Security: \u003c/b\u003eCompatible device required. You must download the AT\u0026amp;T Mobile Security app and AT\u0026amp;T Call Protect app and accept their terms and conditions for full App functionality. May not detect all threats. May inadvertently block wanted calls; settings can be adjusted in the App. \u003cb\u003ePersonal ID:\u003c/b\u003e May not detect all compromises or leaks of your personal data. \u003cb\u003eSafe Browsing:\u003c/b\u003e May not detect all suspicious websites. Details at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/security/\" target\u003d\"_blank\"\u003eatt.com/activearmor\u003c/a\u003e. \u003cb\u003eMOBILE HOTSPOT:\u003c/b\u003e Requires compatible device. Includes up to 40GB per line per month. After 40GB, mobile hotspot speed slowed to max of 128Kbps for the rest of bill cycle.\u0026nbsp; After this, mobile hotspot data usage, will be impacted and not fully functional. \u003cb\u003eUNLIMITED TALK:\u003c/b\u003e Phones only. Includes calls w/in and between DCA, Mexico \u0026amp; Canada. You may be charged for calls to special or premium service numbers and calls to other countries. For rates, see \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/international/long-distance/?tab\u003d1\" target\u003d\"_blank\"\u003eatt.com/worldconnect\u003c/a\u003e. \u003cb\u003eUNLIMITED TEXT:\u003c/b\u003e Compatible phone and rate plan required. Includes unlimited messages up to 1MB in size within and from DCA, Mexico and Canada.\u0026nbsp; For texting to other countries, see \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/support/article/wireless/KM1231660\" target\u003d\"_blank\"\u003eatt.com/text2world\u003c/a\u003e. Messages sent through applications may incur data or other charges. \u003cb\u003eAdvanced Messaging:\u003c/b\u003e Not available for use in Mexico and Canada. Other restrictions apply \u0026amp; can be found at \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://www.att.com/features/advanced-messaging/\" target\u003d\"_blank\"\u003eatt.com/advancedmessaging\u003c/a\u003e. \u003cb\u003eLIMITS:\u003c/b\u003e Max 10 devices on Unlimited Your Way plan group.\u0026nbsp; These plans may not be eligible for additional discounts, including but not limited to Signature discounts. AT\u0026amp;T employees \u0026amp; retirees may not be eligible for certain benefits, offers, and discounts associated with these plans. \u003cb\u003eADDITIONAL MONTHLY FEES \u0026amp; TAXES:\u003c/b\u003e Apply per line \u0026amp; include Regulatory Cost Recovery Fee (up to $1.50), Administrative Fee ($1.99) \u0026amp; other fees which are not government-required surcharges as well as taxes. Additional one-time Fees may apply. See \u003ca href\u003d\"https://www.att.com/legal/terms.otherWirelessFeeSchedule.html?url\u003dhttps%3A%2F%2Fwww.att.com%2Fmobilityfees\u0026amp;data\u003d04%7C01%7CDCromer%40aarp.org%7C467c55d7776f4155322508d94615b04a%7Ca395e38b4b754e4493499a37de460a33%7C0%7C0%7C637617881238409823%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000\u0026amp;sdata\u003dlUnYovABIOkW%2FQsi1DGnNPi87wHsbhmVR6gOT%2FKnCd4%3D\u0026amp;reserved\u003d0\" target\u003d\"_blank\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" rel\u003d\"noreferrer\"\u003eatt.com/mobilityfees\u003c/a\u003e for more details.\u003c/p\u003e\u003cp\u003e\u003cb\u003e\u0026nbsp;\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eHBO MAX: \u003c/b\u003eAccess HBO Max through HBO Max app on compatible device (sold separately) or on hbomax.com using compatible browser with your AT\u0026amp;T log-in credentials. New AT\u0026amp;T customers: visit \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"AT\u0026amp;T Website\" href\u003d\"https://att.com/myatt\" target\u003d\"_blank\"\u003eatt.com/myatt\u003c/a\u003e to create your account and obtain log-in credentials. \u003cb\u003eUse of HBO Max is subject to its own terms and conditions, see \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"HBO MAX website terms of use\" href\u003d\"https://www.hbomax.com/terms-of-use\" target\u003d\"_blank\"\u003ehbomax.com/terms-of-use\u003c/a\u003e for details. \u003c/b\u003eIf you have residential DIRECTV (excluding Puerto Rico), AT\u0026amp;T TV, U-Verse TV or AT\u0026amp;T TV NOW, HBO channels and On Demand will also be added on that TV platform. May be billed and then credited (excluding PREMIER package on AT\u0026amp;T TV and AT\u0026amp;T TV NOW) on that TV platform within 2 bills. \u0026nbsp;\u003cb\u003eProgramming and content subj. to change and benefit may be modified, discontinued or terminated at any time without notice. \u003cu\u003eLOST ELIGIBILITY\u003c/u\u003e: \u003c/b\u003eUpon cancellation of eligible wireless plan you may lose access to HBO Max. \u003cb\u003e\u003cu\u003eLIMITS\u003c/u\u003e\u003c/b\u003e: Access to one HBO Max account per AT\u0026amp;T account holder. May not be stackable w/other offers, credits or discounts. \u003cb\u003eAT\u0026amp;T employees and retirees are not eligible for the HBO Max Add-on offer.\u003c/b\u003e To learn more, visit \u003ca data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-default-element-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\" data-displayoverlay\u003d\"displayOverlay\" title\u003d\"HBO Max website for AT\u0026amp;T \" href\u003d\"https://www.att.com/hbo-max/\" target\u003d\"_blank\"\u003eatt.com/hbomax\u003c/a\u003e. HBO Max is only accessible in the U.S. and certain U.S. territories where a high-speed broadband connection is available. \u0026nbsp;HBO MAX is used under license.\u003c/p\u003e\u003cp\u003e\u003cb\u003e\u0026nbsp;\u003c/b\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAll offers, programming, promotions, pricing, terms, restrictions \u0026amp; conditions subject to change \u0026amp; may be modified, discontinued, or terminated at any time without notice\u003c/b\u003e.\u003c/p\u003e\u003cp\u003e©2022 AT\u0026amp;T Intellectual Property. All rights reserved. AT\u0026amp;T, the AT\u0026amp;T logo, all other AT\u0026amp;T marks contained herein are trademarks of AT\u0026amp;T Intellectual Property and/or AT\u0026amp;T affiliated companies.\u003c/p\u003e","offer_status":"Active","national_offer_flag":"yes","language_code":"EN","offer_type":"EverGreen","asi_category":"ASI Shopping","line_of_business":"ASI discounts","merchant_name":"","marketing_details":"","member_exclusive_flag":"no","parent_brand":"","source_name":"AT\u0026T","alternate_source_name":"","business_id":"30003","offer_video_thumbnail":"","image_url":"/content/dam/aarp/benefits_discounts/providers/att/1140x641-att-man-phone-scarf-blazer-balcony-mar-2020.jpg","vertical_image_url":"/content/dam/aarp/benefits_discounts/providers/att/258x334-att-man-phone-scarf-blazer-balcony-mar-2020.jpg","provider_image":"/content/dam/aarp/benefits_discounts/asi/offers/ATT/ATTAARPBrandingPage755x192.jpg","provider_logo":"/content/dam/aarp/benefits_discounts/providers/a-t-and-t/450x450-att-logo.jpg","offer_video_path":"","offer_copy_video_path":"","interstitial_title":"","interstitial_desc":"You\u0027ll leave AARP.org and go to the website of a trusted provider. 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Health & Wellness

LensCrafters

Members can save 50% on prescription lenses

learn more

See more Health & Wellness offers >

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