Subject: Re: 5% savings account
You know, you can buy a cheap Tracfone smartphone and use it only for 2-factor authentication.

If you are really cheap, you can get the "textnow.com" app and have a free phone number.

I just got a Moto smartphone from Walmart for $35. Comes with 1 year of Tracfone service. After the year I'll spend $5 for a textnow SIM and transfer the phone number to it for permanent service.