Carrier Best T-Mobile Deal for 13 Pro Max?

[tardman91]

I'm trying to decide what the best option would be for me to pick up a new 13 Pro Max. I currently have an XR, and have a few different options I'm considering. I know to get the maximum discount with T-Mobile you have to switch to one of their Magenta MAX plan, which I will NOT be doing, so keep that in mind. It would raise my current bill by $50/mo and is no better than my current unlimited family plan. Here's my options:

1. Trade my XR. Apple gives me $230, and I believe I get $200 in bill credits with T-Mobile if I keep my current plan (instead of the max $500)
2. Give my mom my XR and trade in her iPhone 8. I get $110 for that, plus $200 in T-Mobile bill credits (I think), and I help my mom out. lol
3. Give my mom my XR, give her iPhone 8 to my kid to use without phone service, and sell his iPad mini 2 for like $80 (he prefers the smaller form factor of the phone).
4. Does T-Mobile have any offers if I trade directly with them instead of buying from Apple?

What would you guys do? I plan to pay for the phone outright since I can write it off as a business expense. I'm just trying to decide on what the best route would be for me to go, and maybe give my mom a little upgrade if I'd only lose out on ~$100 or so of credit.