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In this video, I explain why spending £464 on an iPhone 16 Pro made me question one of my biggest personal finance rules: staying completely consumer debt free. Instead of taking out a phone contract or financing a brand-new device, I bought second-hand and paid upfront. But the decision was not as simple as it sounds. This video is about consumer debt, avoiding monthly payments, making better money decisions, and sticking to a financial strategy even when the easier option is right in front of you. If you are trying to save more, invest consistently, avoid lifestyle creep, or build long-term financial freedom, this is a real-life example of how small decisions can shape your financial future. I use Trading212 and this link will earn us both a free fractional share - https://www.trading212.com/invite/11PWCchnpE #debtfree #personalfinance #iphone