data consumption

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Just wanted to confirm something: If I use my mobile hotspot, does it consume data from my All Access Data and not from GoWATCH? I usually watch Netflix on my iPad using my phone's hotspot.

Also, why isn’t my 5G data being consumed even when I’m in a 5G-covered area?

Lastly, can anyone suggest a cost-effective promo for someone who watches a lot of Netflix and uses hotspot regularly? Please don’t suggest getting fiber—I work away from home most of the time so that’s not an option.

Thanks in advance! Appreciate any help.