Roku Streaming Stick 4K May pick Roku Streaming Stick 4K — one stick, 500+ free live channels, no monthly fee About $40 one-time. The Roku Channel's clean live guide beats any antenna and works on every TV. Get one on Amazon →
Built for Gaithersburg, MD · ZIP 20878

Streaming native (no live TV) — your starter package

Single adult or couple, all on-demand, no cable

1-2 adults, 25-40

Recommended total
$83/mo
$ /mo
Enter your current bill above to see your savings — or take the Tailor Fit quiz for a fully personalized plan.

We built this around your priorities: original-content, no-ads, 4k-hdr. Pair no live TV service — antenna + free apps cover broadcast needs with Verizon Fios 500 Mbps ($65/mo), run it through a Apple TV 4K (3rd gen), and keep Netflix Standard with Ads + Max with Ads. Matches the spirit of your ideal outcome — Audit current stack — keep Netflix + Max year-round, rotate Apple TV+/Disney+/Hulu every 3 months.

Our Pick · What we'd actually install

What we install in real client homes

Monthly total
$83/mo
Vs. your bill
Costs $8/mo more
Live TVNone — on-demand only
InternetVerizon Fios · 500 Mbps $65/mo📍 Verify at your address
DeviceApple TV 4K (3rd gen) $129 one-time
AppsNetflix Standard with Ads $8/mo · Max with Ads $10/mo

A streaming native has already cord-cut — the optimization is no longer "should I drop cable" but "am I overpaying for the apps I have." Our recommendation is unique to your stack: most streaming natives carry $80-110/mo of subscriptions, often with significant overlap. Run our bill audit tool to find waste. Typical fixes: drop Hulu standalone if you have Hulu+Live (paying twice for the same library), upgrade to Disney Bundle if you carry Disney+ AND Hulu AND ESPN+ separately, cancel Discovery+ if you have Max (Discovery content is in Max). Pair this with a Roku Streaming Stick 4K ($50 one-time) for unified-search across apps, and a rotation calendar for seasonal prestige apps. Target monthly: $40-60. Skip Live TV entirely unless you specifically need news or sports. Most streaming natives realize after the audit they're saving another $30-50/mo on top of cable savings.

The stack (Rick's Picks — detailed)

Five puzzle pieces — internet, network, device, Live TV, and apps. You only get the experience the weakest piece allows, so we recommend the whole stack, not just one product. Why this matters →

Internet

Verizon Fios — 500 Mbps

$65/mo · 500 Mbps · fiber

Plenty of headroom for heavy 4K HDR streaming and large game downloads — fiber preferred so uploads keep up.

📍 Verify at your address
Heads up — your house wiring. Cat6 — modern construction or recent rewire. If your house is pre-2015 and never re-wired, Cat5e is likely and caps wired speed at 1 Gbps. See /guides/multi-gig-internet-prep/ for details.
Network layer

eero Pro 6E (3-pack)

$400 one-time · wi-fi-6e mesh

Why this one: Wi-Fi 6E gigabit. The mainstream pick for most homes. WAN ceiling: 1 Gbps WAN.

Without a modern mesh, the streaming-first stack underperforms cable. This is the unsung-hero layer — match it to your house size and ISP tier.

Streaming Device

Apple TV 4K (3rd gen)

$129 one-time

One remote, one home screen for everything in this stack. Buy it once and never pay a rental fee.

Live TV

No Live TV service

$0/mo

All on-demand. Free FAST channels plus your kept apps handle everything.

Backup internet options for this ZIP

If your primary pick isn't lit at your address — or your install gets pushed — here's plan B, C, and D.

Apps to consider — on-demand only stack

You haven't picked a Live TV service, so every premium app is on-demand only. Here's how they pair with each other.

Pairs well

Fills gaps the Live TV doesn't cover

  • Netflix Standard with Ads

    $8/mo

    Backbone of any streaming stack — prestige originals + the biggest movie library.

    Sign up →
  • Max with Ads

    $10/mo

    HBO library + Warner films — the premium movie catalog.

    Sign up →
  • Apple TV+

    $10/mo

    Apple originals (Severance, Ted Lasso) — small catalog, high signal.

    Sign up →
  • Disney+ Basic with Ads

    $10/mo

    Pixar / Marvel / Star Wars on-demand catalog if you have kids or watch the franchises.

    Sign up →
  • Peacock Premium with Ads

    $8/mo

    NBC streaming-only originals + Premier League.

    Sign up →

Watch for overlap

May duplicate channels or catalog

  • Hulu (on-demand) with Ads

    $10/mo

    Hulu and Netflix overlap on a lot of broadcast TV shows. Pick one, not both, unless you watch a specific Hulu original.

    Sign up →

Try free first

Most people don't know these exist — try them. If they cover what you need, you can drop paid services and save $20-100/mo.

  • Pluto TV

    Free

    250+ free FAST channels, strongest free news bench.

    Start free →
  • Tubi

    Free

    50,000+ free movies + TV shows on-demand.

    Start free →
  • CBS News 24/7

    Free

    Free 24/7 CBS News live stream.

    Start free →

Channel lineup

No live-channel guide for this pick — on-demand only.

Heads-up: overlapping content

Some content shows up in more than one place in your stack. Here's what to do about each.

Partial — depends on usage

Netflix and Max have overlapping movie libraries

Keep only if you use the catalog

Keep both ONLY if you actively watch originals on each (Netflix's documentaries, comedy specials; Max's HBO prestige TV, Warner film catalog). If one is unopened most months, drop it — save $17–$18/mo.

Editorial integrity: We recommend the right product whether or not we earn affiliate revenue on it. Apple TV and Starlink, two of our top picks, pay us nothing.

Want a recommendation built around your exact stack?

This page shows what a typical streaming native (no live tv) household at 20878 should do. The 2-minute quiz asks the 4 questions we need to make this YOUR plan — including which apps you actually have, what your current bill is, and which channels you can't live without.

Run the quiz to customize this →

Questions readers actually ask

Pulled from real reader emails — and answered directly so you don't have to dig.

I already stream — how do I optimize my stack?

Most streaming natives are paying for 5+ apps with overlap. Run the bill audit at /tools/bill-audit/ — typical finding is $20-40/mo of redundant subscriptions. Common waste: Hulu + Hulu+Live (paying twice), Disney+ + Disney Bundle (upgrade saves $12), Discovery+ + Max (Discovery is in Max).

Should I rotate apps month-to-month?

Yes — most prestige apps make sense seasonally. Cancel HBO Max when Last of Us isn't airing, re-up for the new season. Same with Apple TV+ between Severance seasons. Disney+ is the exception — kids want it year-round. Calendar reminders are mandatory or you'll forget.

What's the cheapest stack that still has prestige TV?

Apple TV+ ($9.99/mo, 4K HDR included) + one rotating prestige sub (Max or Netflix or Paramount+) = $20-25/mo. Pair with free apps (Tubi, Pluto TV, Roku Channel) for catalog filler. Total: $25 vs. typical streaming native's $80-110.

Am I missing anything cable households have?

Live local news (channel 4, 7, 9) — get an antenna ($30 one-time). Live national news — Sling Blue ($45.99) or YouTube TV ($82.99). Most streaming natives realize after a year they haven't missed cable at all.

2026 Rotation Calendar

When to cancel vs keep each app — month by month

25% of streaming subs cancel after finishing the show they signed up for (Antenna 2026). Rotating prestige apps month-to-month based on what's actually airing saves households $20-40/mo without losing access to anything they actually watch. Set a calendar reminder on the 1st of each month — it takes 30 seconds in the app.

Jan – Feb
✓ keep Max✓ keep Netflix Apple TV+Peacock

Awards season — HBO and Netflix prestige dominate. Apple TV+ slows after Severance airs. Peacock light on must-watch live until Olympics in Feb.

Mar – Apr
✓ keep Max✓ keep Paramount+ NetflixDisney+ Bundle

March Madness drives Paramount+ + CBS streaming. Netflix typically lighter in March. Disney+ between Mandalorian / Marvel windows.

May – Jun
✓ keep Disney+ Bundle✓ keep Apple TV+ MaxPeacock

Marvel/Pixar summer releases hit Disney+. Apple originals ramp. Max in lull between Last of Us seasons.

Jul – Aug
✓ keep Netflix✓ keep Apple TV+ MaxParamount+

Stranger Things-style summer prestige on Netflix. Apple originals continue. Max + CBS in summer rerun mode.

Sep – Oct
✓ keep Peacock✓ keep Hulu+Live (if you have it) NetflixApple TV+

NFL kickoff — Peacock and locals matter most. Netflix awards prep lull. Apple TV+ launches Q4 originals later.

Nov – Dec
✓ keep Max✓ keep Netflix✓ keep Disney+ Bundle Peacock (post-NFL until late playoff)

Holiday tentpoles + awards bait drop on all 3. Peacock loses must-watch until NFL Wild Card.

How to actually do this: All major streaming apps let you cancel from the app or web in under 60 seconds. Your account stays active until the end of the current billing cycle so you don't lose immediate access. Resubscribing is one click — your profile + watchlist survive. Bundle subs (Disney Bundle, Hulu+Live) DON'T benefit from rotation since canceling forfeits the bundle discount. Keep those steady.

Live in the DMV? Tap a local pro.

Want this installed instead of doing it yourself? A vetted DMV integrator handles everything below.

🛠 DMV-only · vetted local installer

Get it installed by a pro who's done 1,000+ DMV homes.

Moving into a new house, upgrading TVs or speakers, building a home theater, adding smart-home gear, or finally fixing your Wi-Fi — a local installer handles all of it. A 15-minute consult rules out install surprises and usually saves another $50–$200/year on configuration alone.

28 years residential AV 1,000+ DMV installs Free 15-min consult No upsells — pre-qualified only
New-home AV designWhole setup planned before you move in
TV install & mountingAbove the fireplace, in-wall power, hidden cables
Home theaterProjector, screen, surround sound, acoustic treatment
Multi-room audioSonos, Bluesound, in-ceiling, outdoor zones
Smart-home electronicsLighting, shades, locks, cameras, doorbells
Whole-home controlControl4, Crestron, Savant integration
Wi-Fi rebuildMesh design, Ethernet drops, kill the dead zones
Equipment upgradesSwap an old TV, retire ancient receiver, modernize cabling
See if it's a fit
1. What's the situation?
2. What specifically does it involve?
3. Rough budget + timeline
Budget
Timeline

No spam. Answers stay private and only pre-qualify the consult.

Questions readers actually ask

Pulled from real reader emails — and answered directly so you don't have to dig.

I already stream — how do I optimize my stack?

Most streaming natives are paying for 5+ apps with overlap. Run the bill audit at /tools/bill-audit/ — typical finding is $20-40/mo of redundant subscriptions. Common waste: Hulu + Hulu+Live (paying twice), Disney+ + Disney Bundle (upgrade saves $12), Discovery+ + Max (Discovery is in Max).

Should I rotate apps month-to-month?

Yes — most prestige apps make sense seasonally. Cancel HBO Max when Last of Us isn't airing, re-up for the new season. Same with Apple TV+ between Severance seasons. Disney+ is the exception — kids want it year-round. Calendar reminders are mandatory or you'll forget.

What's the cheapest stack that still has prestige TV?

Apple TV+ ($9.99/mo, 4K HDR included) + one rotating prestige sub (Max or Netflix or Paramount+) = $20-25/mo. Pair with free apps (Tubi, Pluto TV, Roku Channel) for catalog filler. Total: $25 vs. typical streaming native's $80-110.

Am I missing anything cable households have?

Live local news (channel 4, 7, 9) — get an antenna ($30 one-time). Live national news — Sling Blue ($45.99) or YouTube TV ($82.99). Most streaming natives realize after a year they haven't missed cable at all.

Show meOther options by budget

Transparent reference points only — not what we recommend. The cheapest possible setup and the no-compromise premium tier, both with full trade-offs disclosed. Most households should ignore these and stick with Rick's Pick above.

Penny Pincher

Cheapest possible — not what we recommend

Monthly total
$38/mo
Saves $37/mo
Live TVThe Roku Channel — Live TV (free) Free
InternetXfinity · Connect 75 $30/mo📍 Verify at your address
DeviceRoku Streaming Stick 4K $50 one-time
AppsNetflix Standard with Ads $8/mo
What you give up
  • Upload speed usually caps around 35 Mbps even on gigabit plans — when Zoom + cloud backups + security cams run during prime time, streams buffer
  • Watch for hidden fees — broadcast TV surcharge, regional sports fee, and modem rental can add $40–$60 to the advertised price
  • Promo pricing typically jumps 30–60% after 12 months — set a calendar reminder to renegotiate
  • Gigabit speeds rarely sustain during peak hours (7–10pm) when the whole neighborhood is online
  • No DVR or pause-and-rewind on the free live TV guide
  • Local news limited to the free broadcast affiliates Roku's guide carries
  • Only one paid streaming app in the budget — the rest of the catalog drops

This works for: Light-streaming households where saving on the monthly bill beats sustained gigabit speeds. Not great for power users on Zoom calls and 4 TVs simultaneously — those need fiber.

Reference point only — see the Pick for our recommendation.
The Premium

If money is no object — no-compromise stack

Monthly total
$148/mo
Costs $73/mo more
Live TVNone — on-demand only
InternetVerizon Fios · 2 Gig $110/mo📍 Verify at your address
DeviceApple TV 4K (3rd gen) $129 one-time
AppsNetflix Standard with Ads $8/mo · Max with Ads $10/mo · Apple TV+ $10/mo · Disney+ Basic with Ads $10/mo
Most households don't need this

Most households don't need this — but for high-end home theater, prosumer needs, or households that want zero compromises on picture/sound/reliability, this is the no-compromise stack. Top-tier fiber, the best streaming device picture pipeline (Apple TV 4K), every premium app on tap.

Reference point only — see the Pick for our recommendation.