<prompt> Human: Im debating what new phone I want and how I should pay for it. If I get Phone A, which is a couple years old, my only option is to spend about 770 all at once now. If I get Phone B, which is brand new and should therefore last a little longer and obviously is nicer I could either spend 980 all at once now or spread it out over 24 months 40.83mo. Originally I was set on buying phone A because its about 200 less. Think of all the great things I could use that 200 on bills, savings, etc. However, I do like the idea of only having to pay a little at a time because if there were to be some unexpected life occurrence like a car accident, health problem, etc, I would have more liquid funds available to deal with that problem since I would still have all those extra hundreds of dollars in liquid form in my bank account. What do you think? Thanks!  <response>: You cant afford either. If the extra 200 could help imagine what an extra 600 could do. Its a luxury item and you have bills that are unpaid and no money for an emergency. 