Are subscription-based music streaming services like spotify/ apple music/ youtube premium worth it?

They are convenient to use, but I can say that the variety of songs there is not as good as it could be. I have a subscription on Spotify, but most of the time, I just download songs from Tubidy Mp3 and listen to them since it's possible to find songs of underground artists, or even covers or live performances there. In some cases, they can be even better than original and studio recorded versions, and they're hard to find on most music platforms.

For financially-savvy people, it's best to choose just a handful, and go with their family option.

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Either find enough friends and family members to split the cost, or use third party services like shareit.sg.

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I'm currently doing that with Tidal and Netflix, and while I'd love to be able to watch Marvel content on D+, I'm forgoing that for now.

Yes, but it doesn't always work. Spotify algorithms are sometimes quite strange and illogical. It's good that now there is an opportunity to use additional funds, for example, https://rocketfame.net/product-category/spotify.... In my opinion, if you are serious about promoting your music, you can afford to pay for paid promotion.

I think different streaming services are cool. This gives new musicians more chances to share their music with the world.