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Hi, I'm Kevin and I'm an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. I paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. I started this blog to share all I know about personal finance, travel hacking, and making more money by side hustling. Click here to learn more about me.
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Affording New Iphone 7 Image

I Can Afford The New iPhone And You Can Too

Last Updated on April 11, 2021September 15, 2016 15 Comments
This post may contain affiliate links.Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Whenever a new iPhone comes out, people line up to get their hands on it. While everyone else rejoices about the new phone, it seems like we in the personal finance community collectively shake our heads.

I recently read a few articles about the financial evils of buying a new phone and found this puzzling. I’ve never thought of a new phone as a financial sinkhole. And when you do the math, it’s not very expensive, especially if you plan things out in advance. So why are people saying not to upgrade the single most important piece of technology most of us own?

Of course, we’re all a pretty frugal bunch. There’s definitely no shortage of things that personal finance folks will tell you not to buy. You’ll never catch us buying a coffee from Starbucks, watching NFL football with our cable TV subscription, or buying a sandwich at our local deli during the workday. These are about the biggest personal finance sins one can commit, and a surefire way to make it so you’ll never be able to retire! Or so we’re told.

From what I’ve been reading, it seems like we can add another unforgivable sin to the personal finance world: upgrading your phone. I guess we can call it the new latte factor.

Processed with VSCOcam with g2 preset
Enjoy that cup, because you can kiss your retirement goodbye.

I might not buy a new iPhone right away, but I do tend to buy a new phone approximately every two years. So why am I committing the unforgivable sin of buying a new, snazzy iPhone? 

I’ll tell you why. It’s because my phone is the most important thing technology I own – the one piece of tech I use more than anything else. I value a new phone. And it doesn’t cost that much – not enough to ruin you, anyway. I can afford the new iPhone. And I bet you can too – if you plan for it.

How Much Will A New iPhone Cost You?

Prices vary slightly over the years, but in general, I find that a new iPhone will cost most people an average of $1,000 every two years. That’s about $500 per year for a new phone. 

What this means is that if you’re buying a new iPhone every two years, you’re looking at spending about $41 or $42 per month. That’s about $1.37 per day. 

The $42 per month you’re spending on a phone is not the reason you won’t be financially independent! I don’t care what anyone tells you. Saving $42 per month is not going to be enough to get you to the finish line when it comes to financial independence.

But What About Compound Interest?

I can already see what the phone naysayers are saying. $42 per month is about $500 per year.  If you put away $500 per year for 30 years at an average return of 7%, you get (cue drum roll here)….$50,536.52!

Oh my goodness!  That phone you’ve been buying every 2 years cost you over $50,000!  (As an FYI, you would have put away $15,000 of your own money if you had saved that $500 every year for 30 years).

Here’s my problem with this type of thinking – you can do this type of calculation with anything you want.

Do you drive to work? It’s not uncommon for people to drive 6 miles or more to work. If we assume you drive 12 miles round-trip at the current IRS rate of 57.5 cents per mile. you’re spending $6.90 per day to drive to work. Do that five days per week and that’s $34.50 per week you spend to drive to work. That’s way more than the cost of a new phone! You better start walking to work or hop on the bus, because if you don’t, you’ll never retire!

In reality, you can do this type of thinking with anything. Are you sure you couldn’t cut your grocery bill down $42 per month Do you spend $42 per month hanging out with friends? Buying anything for anybody? Traveling? Having fun?

That’s my problem with this type of formulation. I can point to any particular thing you buy and make a compound interest calculation over 30 years and tell you how much money you are wasting.

It’s Not An Either-Or Proposition.

The point is, we all make choices about what we value and what we want to buy. If you value a new phone and can afford it, by all means, go buy it! If you value something else, by all means, go buy that!

It’s not a choice between financial independence and toiling forever at work. You can strive for financial independence, but still buy things you care about. There’s a concept called the “false dilemma”, in which something is presented as an either-or choice when in reality, there are multiple choices. (You can read a summary of the False Dilemma Fallacy on Wikipedia here).

I think the same is true here. Like the famous latte factor, we personal finance people like to pick one thing, say how dumb it is to buy it, and then point to that as a reason why people can’t reach their financial goals. But it’s not an either-or proposition. You can buy a latte every single day or buy the latest phone every two years, and still also save money and reach your financial goals.

fork-in-the-road
One path leads to financial independence and the other leads to years of toiling and drudgery, right?

This is true even if you’re making a normal amount of money. Let’s say you’re making around $40,000 per year, which I’d argue is pretty low for a regular, college-educated person. That $500 per year for a new phone represents just 1.5% of your income. Most people who are college-educated and advancing in their careers are going to be making more than that, so more than likely, that $500 per year is going to be even less than 1% of your income.

Can you really not spare 1% of your income to buy that phone, if you really want it and find value in it? You don’t have $42 to spare per month? If you plan it out in advance, I guarantee you that you can afford it, if that’s something you really want.

If You Can’t Find The Money, Then Make More Money.

Let’s say you really don’t have a single cent to spare in your budget. In that case, don’t buy the phone if you really can’t afford it. Instead, use the money in ways that bring you more value.

But if you really want to buy the new iPhone, you have another solution. Make more money! Can you make a mere $42 per month or $1.37 per day? There are so many ways to do that by picking up a side hustle or taking advantage of gig economy apps.

There’s plenty of other options too.  You can probably flip some trash that you find in the street and make $42 per month. I know I’ve been able to do that.

The point is, $42 per month is not a crazy amount of money to create in your budget. If you really don’t want to use that money on a phone, then that’s perfectly fine. But don’t tell me you couldn’t find a way to make yourself $42 per month on the side and buy your phone with that money if you really wanted.

Make Active Choices About What You Value

The point of this post isn’t to say you need to buy the new iPhone. My mom isn’t buying the new iPhone. She only uses her phone to text and call people and occasionally go on Facebook. A new iPhone doesn’t matter to her. She’ll stick with her hand me down iPhone until the battery just doesn’t work anymore.

But for me, I use my phone almost every minute of every day. I’m constantly on it.  (Whether that’s good for me or not is another story). It’s a central part of my life.

It’s not about it being cool. I don’t really care if having my new iPhone makes me look cooler. Heck, my phone goes in a case right away, so no one can even tell what type of phone I have. What I care about is having the fastest and best phone out there because I use this piece of equipment more than anything else in my life and, importantly, I value it a lot.

Conclusion

So if you want something, figure out how you can afford it and go buy it. Go buy the new iPhone if you want it. Go buy yourself a latte every day if that’s what you value.

The point is, choose the things you value and don’t let anyone else tell you what you should or shouldn’t buy. It’s not an either-or-decision.  You can still save while spending on the things you find important, as long as you plan it in advance.

I’ve planned ahead. I set aside money each month so that I can buy the latest and greatest phone when it comes out. The new iPhone is not going to make it so that I can’t reach my financial goals, and my guess is, it won’t make it so you can’t reach your goals either. 

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  • Fairwinds Credit Union ($100) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
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financial panther

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

  • SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $250 if you complete a direct deposit.
  • DCU. Digital Federal Credit Union (DCU) is a free, nationwide credit union that I recommend to readers for two reasons. First, DCU has a $100 referral bonus if you open a free DCU checking account with a referral link. Second, DCU has a savings account that gives you 6.17% interest on your first $1,000.
  • Novo Bank. Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. It’s the business checking account I currently use for this blog.
  • M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $10 for opening an account.
  • Personal Capital. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

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Comments

  1. DS says

    September 15, 2016 at 3:02 pm

    Extreme frugality is certainly one way to build a retirement nest egg, but it sure is a tough way to go through life. Saving/investing more in combination with earning more is much more enjoyable.

    Enjoy the iPhone!

    Reply
    • Financial Panther says

      September 15, 2016 at 8:09 pm

      Thanks DS. And it’s not even about extreme frugality as much as it is knowing what you value and what you don’t. We all spend money on things, whether you know it or not. It’s just easy to pick on certain things that we all see people buy.

      Reply
  2. Mustard Seed Money says

    September 15, 2016 at 7:01 pm

    Excellent post on deciding what you truly value in life. If someone’s desire is to keep up with the Jones than maybe they need to reevaluate what your values are. But if they absolutely love the iPhone and it’s something they value then go buy it.

    Extreme frugality is a badge that some people love to wear but at what expense. Like everything in life there needs to be a balance between savings and spending.

    Personally I like to keep my iPhone until it dies but I love to spend money eating great BBQ with friends once a week. I’m sure the BBQ would come out to more than the iPhone’s monthly plan it’s what I currently value.

    Reply
    • Financial Panther says

      September 15, 2016 at 8:11 pm

      Exactly. If you don’t use the phone, then of course, hang onto it until it dies! And there’s nothing wrong with going to eat BBQ once a week. That’s what you value and you’ve got it in your budget as something you can afford. As long as you’re reaching your financial goals too, then there’s nothing wrong with it.

      Reply
  3. Finance Solver says

    September 15, 2016 at 10:08 pm

    I like that you provide your perspective on the new iPhone but I will have to take a contrarian approach here. I’m a big fan of buying things for value, not price, but I don’t know if the value is worth it, just for me personally.

    I drive a little under 2 miles to go to work plus 2 miles back and my car is so fuel efficient that I spend like $20 on gas every month and a half. I’ve made a conscious decision to get a fuel efficient car and live close to work that set myself up for frugality and can’t see going to buy the latest iPhone because my 5s does me good. Just a personal opinion that I have!

    Reply
    • Financial Panther says

      September 18, 2016 at 9:02 am

      Definitely a good idea to buy things based on if the value is worth it to you. If the 5s does exactly what you want, then of course you want to stick with it. You just have to pick whats important to you and what isn’t, and plan for those purchases.

      Reply
  4. Michael @ Financially Alert says

    September 19, 2016 at 2:11 am

    FP, as someone wearing a new series 2 Apple watch, I’m not gonna argue with you…haha.

    In fact, I’m gonna upgrade my iPhone 6 in mid-November to a 7 also! 🙂

    The truth is that one purchase won’t make or break you like you said. Rather it’s the long term habits that will ultimately dictate your financial situation.

    Finally, I love your idea to make more money!!! Such a novel idea that shouldn’t be novel.

    How are you liking iOS 10?

    Reply
    • Financial Panther says

      September 20, 2016 at 4:20 pm

      Hi Michael! Exactly right. We all have things we spend money on, no matter what anyone says. It’s up to you to decide which things you want, and which things you don’t want. That’s why I don’t think its ever wise to make blanket statements that buying a certain type of thing is simply wrong or will destroy your wealth. A new phone isn’t a necessity for everyone. But by the same token, it’s definitely not something that is worthless to everyone. It really depends on how you use the item. And if you value something, you can divide up the cost of it and figure out a way to get it.

      And I’m totally not liking iOS 10, but probably just need time to get used to it.

      Reply
  5. Dividends Down Under says

    September 19, 2016 at 9:28 pm

    I suppose the joy of financial independence (or even just financial awareness) is knowing what makes you happy and what you want. You definitely don’t have to be rocking the Nokia 3310 to still count yourself as kind of frugal.

    Having the latest iPhone is a way better financial choice than the latest Mercedes. At the moment my wife and I have 3 year old (and counting) HTC One XLs – they work fine for us, so we’ll keep them for longer.

    Tristan

    Reply
    • Financial Panther says

      September 20, 2016 at 4:23 pm

      Yep. If your phone still works for you and you don’t need the newest phone, of course hang onto that phone! $33 per month for a new phone is not going to be the reason someone doesn’t reach financial independence. Now, if someone is spending all of their money buying things they don’t need and don’t care about, then that’s a different story. You can’t buy everything you want, but you can definitely buy the most important things you want. For myself, my phone is literally my most used item. Why would I not make room in my budget to make sure that I have the fastest and most high quality phone? Of course, this means I can’t buy the fanciest shoes, or the nicest TV, or countless other things. But that’s my own personal decision I made.

      Reply
  6. Team CF says

    September 20, 2016 at 4:30 am

    Here is one for ya, the new iphone 7 costs over €1.000 here in the Netherlands, and albeit we could afford it, in our case we find it too expensive and without the added value to our life. So won’t buy it 😉

    But you make a very valid point, if something does add value to your life, and you can financially obtain it without causing a major hiccup, definitely go for it!

    Reply
    • Financial Panther says

      September 20, 2016 at 4:26 pm

      That’s definitely pretty expensive, but something you could definitely afford IF it was something you valued. Divide that 1000 euros over two years, and suddenly, it’s not all that expensive. It’s about picking the things you value and dumping the things you don’t value. But, in my opinion, we can’t make a blanket statement that everyone buying a new phone is wasting their money.

      Reply
  7. Jack Catchem says

    September 26, 2016 at 6:05 pm

    Great insight into the central item of my life. When I was a student I had a laptop chained to my wrist. I lived and died attached to that thing.

    Now that I’m a cop and father my phone is my second brain. Everyone’s schedule, my court dates, email, personal finances, shopping, and blog all run off of my humble phone. I use a Bluetooth keyboard for serious typing. The laptop, haven’t touched it since I finished my masters degree.

    If you use it for more than YouTube and Candy Crush, it makes sense to invest in the one tool useful in streamlining the rest of your life.

    Reply
    • Financial Panther says

      September 28, 2016 at 11:25 am

      Exactly right Jack. The important thing is we can’t put universal value judgments on what people purchase. A phone might be important for you and me. Might be less so for our parents. Just as a fancy camera or something might be important for a photographer, or a fancy laptop might be important for a computer programmer. We can’t just say, buying any one particular item is a waste of money because we all use and value things differently. What matters isn’t what you are buying, but are you using your money in a way that aligns with what you value.

      Reply
  8. Go Finance Yourself! says

    October 10, 2016 at 9:23 pm

    Great post! Too many people say “I work hard, so I deserve nice things.” No one owes you anything. If you want something, find a way to earn it.

    Personally, I’m not a tech guy or gadget guy, but I am a golfer and have had my eye on a new set of custom made Muira clubs. Do I need them? No. But I want them and will find a way through side hustles to earn them so I don’t have to take away from my money set aside for investing and saving.

    Reply

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