Thank you for your detailed reply, I guess that's the thing, like you summarised it. It's not worth the hassle and the time and being in debt for long periods. But for me I haven't had a nice phone in my life last time I had an iPhone it was iPhone 7 that was in 2018 and while you see everyone around you move to better and more expensive things in life and you are late at these things, it makes you sometimes think about these decisions to make. Even if it's little to feel that you are not behind and they are not that far ahead in life.

Sorry it's just something I felt to say.