<prompt> Human: Hi Reddit.Im 18 years old and over the course of the past 3 years I have built up an net worth of 15K through working, investing and running my own online business. Literally starting from a few bucks so I know the value of a dollar. This week my phone stopped working after working for 1,5 years. Due to having my own little business and clients I cant afford to not have a phone and send it in for repair for a month or longer so I had to buy a new one for 699.I feel like this is a major setback. The phone was 1,5 years old and in my budget it should have been functional for at least another 6 months. Of course I do have an emergency fund for incidental expenses but it just feels like a stupid thing to spend money on.How do you guys deal with unexpected costs that you dont like spending money on?  <response>: Yep, you had to buy a 700 phone. 