A 247wallst.com article argues that with the 10-year Treasury at 5%, AT&T's 5.1% yield is barely worth the stock's risk, though its dividend looks covered and the buyback cushions it. It walks through a hypothetical retired couple with 10,000 AT&T shares, advising the stock stay outside the IRA and a 2026 Roth conversion fills the 0% dividend tax band.