I can afford it ! But . should I ? ! You have a few things to consider . I could just ride out my parents paying for my phones and data A good question for yourself is if this is a burden on them . If it ' s not . I would suggest don ' t take on the expense . If it is . Then you need to take it on yourself . This should be you first thought . Assuming that it ' s not a burden of an expense for either of you . It wouldn ' t hurt to take on the positive credit hits from Google for leasing the phone assuming you pay it on time with your bill . I average about $ 60 a month for the Pixel XL 32 with my data usage AND insurance . If this isn ' t an issue for you . Lease it . Have the positive credit reports . <| sep |> I ' d say that there ' s a bit of a blurred line there . I like to think of it as a SquareRectangle relationship , as in You can love someone and care deeply for them , but you don ' t ' love ' everyone you care deeply about . Does that help ?