Last time we had a phone release the IUP was the clear winner to me...but this time I am feeling a little bummed I am paying so much per month for my phone. The only added benefits I can see I get by having done the IUP is my phone is unlocked and I got my phone quickly on launch day. I don't travel out of the US much right now as I have two young kids and am a soccer mom who is mostly home with them. I know I can switch carriers if I want but I know the only place I would go is T mobile and they will pay any etf. My dad is on the same phone plan with me and he went to att and said he will trade his iPhone 6 and get a 128 7 plus for $10 a month. I gave back my 6s plus to apple and am paying over $40 a month...I feel like maybe my desire to get my phone right away is costing me a lot. Am I missing something?