I don't understand how these options exist and people deliberately put themselves in a situation to shell out more money. Please explain. 2 year contract: Out of pocket subsidized price: $300 2GB plan with rollover data: 30/month 2GB plan for iPhone on LTE: 40/month Mobile share value plan data discount: -4.50/month Monthly: 65.50 (+ around $6 in tax) Total spent over 24 months $1,872 Out of contract: Out of pocket full price: $750 Now you've got an expensive iPod? Add whatever monthly data and cell service. Total spent over 24 months > total with two year contract Next 30: Out of pocket cost: $0 Financing of device is the FULL price divided into monthly installments. Phone: 25/month 2GB data: 30/month 2GB LTE: 40/month data discount: -4.50/month mobile share plan value savings: -15/month Monthly: 75.50 (plus tax) Total spent over 24 months: $1,812 Upgrading after 24 months forces you into another NEXT plan, but it's not over until your 30th installment. Total paid after 30 months: $2,265 Versus at the end of a two year contract, for any time after the 24th month, the discount of $15 applies per month. It was time to upgrade now (yay), but I kept my iPhone 5 for 37+ months, working well and saved way more money. Is there something I am not seeing? To me, it's obvious to just stick with a two year contract and pay less money on the long run. Is the only incentive of a NEXT plan that some people can't shell out the subsidized cost immediately? For what reason would you buy a phone (iPod) commitment free?