I upgrade yearly through T-Mobile’s JUMP offering. After I pay off half of my current phone I can upgrade and send in my 15PM in exchange. This year they want a $369 deposit because of my payment history (lol oops) but I’ve saved up for that, plus about $90 tax. I’ll pay about $50 a month for the phone for a year before the process starts all over. I could never pay $1200 outright.I honestly don't know how some people can afford to keep buying the latest Apple tech...on top of all other costs of living. Alright for some, I guess.