[larma]

Friends and family all use XMPP via Conversations and/or Dino. I also join a few channels of FOSS projects on Matrix or IRC with a bridge. You can even bridge calls to SIP and PSTN via https://jmp.chat/.

I run my own server (any 5 bucks VPS can do), but there is a large number of public servers that also work good. Make sure to pick one with a good ranking at https://compliance.conversations.im/