That's a really important point dpham has brought up. That little point was left out of the sales pitch when AT&T sold me on this new share plan. So basically, if you do the simple math, it only makes financial sense to pay full price for the phone (in example you mention you save $200 after two years if you pay for phone outright--- am I figuring that out correctly? 25*12=600, plus $200, vs $650 up front. Interesting.
If you buy a subsidized phone, for example iPhone for $200, you would then have to pay $600 ($25x24) over 2 years, so you will pay $800 for the iPhone.
A better option would be to pay $650 full retail or on next.
Also when comparing your current plan, be sure to take into account subsidies. If you get the latest iPhone or similar every two years then the savings might not be a huge amount like half, once you take all things into consideration.
If you don't upgrade very frequently or use lower priced phones then this plan makes more sense
dpham00, Android Central Moderator
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