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slash Ramsey. Today's question comes from Mason in Michigan. Is Dave's stance to only buy a cell phone in cash,

or is he okay with putting it on an installment plan with a cell phone provider over two or three

years? Couldn't tell you Dave Stance. I could guess Dave Stance, but we can give you George and Rachel's

stance at least. I don't want to put words in the guy's mouth. He's not here to defend himself.

But the simple answer is, yes, only buy a cell phone in cash. An installment plan is effectively debt,

because you have to finish paying off the phone

before you actually own it.

And you're also locked into this contract

for two or three years.

So if anything happens, you want to switch,

you want to change phones.

Well, you're kind of stuck in these handcuffs

with that cell phone provider.

And so I always recommend buying a phone in cash.

And if you can't afford the brand new iPhone 16 Pro Max with 512 gigabytes, then don't buy it.

You can buy a used phone.

In fact, I just sold a used phone online.

Oh, you did?

Within a day.

And I got great money for it.

And you were laughing at some guy's

...