I am confused on how people come up with (example) you pay $2400 for your phone with two year contract. If I don't plan on changing providers and I keep my old plan, out of contract, my bill does not go down. So using the formula would I not be crazy NOT to take a deal on a phone? If I buy it for $600 and pay my same amount on my bill I am spending $400 more by not taking subsidized phone, true or false? Am I just bad at math?
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