智能手机计划的真实终身成本

If you want a 聪明 phone with 无限 data, you’要付出很多钱。




大型2运营商已转而使用更多的无限制对话/文本模型(对话/文本便宜),该模型使您可以选择想要/需要的数据量。较小的2家航空公司为您提供“unlimited” data (check their T’s and C’s to see if “unlimited” is truly 无限).

当然,所有4个目标都是从他们的金库中提取最大的资金。

这里’s how the 聪明phone costs at the 4 carriers breaks down:

  • 威瑞森: $70 for 6 GB of data, + $45 per 聪明phone = $120
  • AT&T: $70 for 5 GB of data, + $40 per 聪明phone = $110
  • 短跑:$ 60(“unlimited”数据和通话,但我认为它们仍然会超出某个数据上限)
  • T移动:$ 80 for“unlimited”(我也认为他们的节流能力超出了特定点,但懒得检查自己的T’s & C’s,因为它与该帖子无关)

如果不是’t for T移动, you’d认为这里存在某种反竞争的勾结… hmm…

让’s also not forget the typical 15% per month added in taxes per plan. Adding it all up, the average cost of a 聪明phone plan with data in the U.S. with the 4 mobile network operators is $115 per month (the reality is, T移动 is weighing down the average and it has the smallest subscriber base, so I’我在这里很慷慨)。

每月115美元!?您是否注意到近年来价格似乎只是上涨了?而且如此吗?




I have. And I thought it would be eye opening to calculate out what the lifetime cost of a 聪明phone would be, given current costs. I already calculated out the 有线电视的终身成本和…结果有点令人震惊。智能手机的使用通常比付费电缆使用更早,而且每月费用更高,因此,我认为在这里,我们的手甚至更大。

智能手机的终生成本

What if, instead of a 聪明phone with data plan, you invested your savings towards retirement or other major goals in life? How much money would you be able to save?

让s assume the following:

  • cost of 聪明phonepaid 聪明phone use starts at age 18 (it’这些天可能早些了)
  • 继续付费使用直到80岁
  • 起始每月平均费用是之前报价的$ 115
  • average cost inflates at 5% annually, same as cable TV (note: I could not find any data on average annual inflation on 聪明phone plans, but I have no doubts this is close to reality when looking at the last 5 years – if there’电信擅长的一件事是’每年从每个人中提取越来越多的美元)
  • we use after tax dollars (which is what you pay for a 聪明phone plan), that grow tax 自由 in a 罗斯IRA.

Since the money spent presents a missed opportunity to have been invested, we’ll then figure out the lifetime cost of a 聪明phone plan at different investment return levels using the 美国退休人员协会 investment calculator. 这里 are the shocking results:

  • 4%: $ 1,322,648
  • 6%: $ 2,409,402
  • 8%: $ 4,844,418
  • 10%: $ 10,560,088

那没有’甚至不包括您为实际制作智能手机而付费的所有精美应用程序“smart”. Or the cost of 聪明phone upgrade after upgrade when rendered “obsolete” every 2 years. Or even the additional costs of adding more people to the plan. This is simply the cost of 1 minimalist 聪明phone user over his/her lifetime, just for the service.

我不’t care what “perceived”您从《愤怒的小鸟》中获得的价值,但我愿意打赌’s nowhere in the ballpark of those amounts. And you thought Angry Birds was 自由… =)

但是现在每个人都需要某种类型的移动通信设备,对吗?数百万年(直到大约20年前)的每个人都会不同意这一说法,但是我’会给您带来对此怀疑的好处。那么,如果您选择了一款具有通话/文本计划和wifi上网功能的预付费电话(而不是智能手机)(甚至可以买到智能手机,而仅在wifi上使用它)怎么办?我们可以假设每月费用为15美元(实际上是将每月115美元替换为每月15美元)。除通货膨胀外,所有以前的假设都将保持不变。我们’即使我预付了2%’在过去的十年中,随着预付费市场竞争的加剧,价格一直下降或保持不变。您的终生投资机会成本为:

  • 4%: $ 74,547
  • 6%: $ 160,517
  • 8%: $ 371,604
  • 10%: $ 903,398

不完全便宜,但更合理。

And your lifetime savings, if invested, of choosing prepaid over a 聪明phone (smartphone –预付费用)将是:

  • 4%: $ 1,248,101
  • 6%: $ 2,248,885
  • 8%: $ 4,472,814
  • 10%: $ 9,656,690

考虑到 平均退休储蓄 per household in the United States is $18,000, this should make everyone want to vomit on their 聪明phone, rendering the world’s 聪明phone population completely useless.

Cable TV gets picked on for its high costs and lack of 感知的 value add (all true), but we justify 聪明phones because they are more interactive and supposedly make us more productive and connected. That is…值得商de的。

如果这些’s don’t make you reconsider the value added and more generally, priorities in life, 我不’t know what will.

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