Hi I do not understand what saving TAB can bring. For example for a LG X power phone costing $240 retail price, you have to pay $15 monthly tab charge in addition to the $25 plan over 2 years. So the cost of the phone is actually $360 in additional to the monthly plan charge of $25. FYI, I have not figured out how TAB works. From what I have read it is only spreading out the full payment of the phone in monthly payments. The only benefit is that you do not have to pay one big chunk right in front. Correct?