Heres what I've been doing every staggered iPhone launch since 3g. I paid the subsidized upgrade fee for the 3g then sold when the 2 years where up and basically got a new phone every 2 years for free (not paying subsidies because of selling the phone). So this brings me to Att and every other phone carrier stopping full on subsides. There is a ATT next every year plan and you can put a down payment of any amount on now (the just updated this to any amount). What would be the best amount to put down to upgrade every year? You can pay off the phone and keep the phone then sell it if you want every year to pay for a new one or just turn in the phone at the end of the year. say i pay 400 down for a 64gig iPhoneS+(750). Monthly fee is 18.75 ($225yr) so i would owe 125 at the end of the 12 months and can keep the phone and make anywhere from 4-500 on it and repeat. overall costing me 75$ to upgrade and drop 400 on the new phone again if i made 450$ on selling it. Any better way of doing this? I don't mind selling the phone but turning in the phone would be easiest. --- Post Merged, Jul 20, 2016 --- Edit just realized i did pricing for the non + model at 750 instead of 850.