I had a nice system since the original iPhone came out. I'd buy one new phone each year and rotate between my wife and my account with ATT's subsidized pricing. I'd sell the old phone and it would usually pay for the new phone each year. What are you going to do in the future now that isn't an option? I think I will just wait until an upgrade seems worthwhile and then buy it outright. I'm not crazy about these monthly payments. I'm guessing I'll be on the 6s for a few years. What is your gameplan going forward.