I don't lease or make monthly payments on phones. I always sell my phones and just add $300 to my recent sale to buy a new phone. I currently have the Note 10. I originally purchased it through Samsung for the $600 off trade in. However, just a week after being released I was able to get a Note 10 for $750. So returned my Samsung Note and purchased one from an alternative website. I then sold my S10 for $500. Well today the Note 10 is selling for $600 or $650 used.
This is the 1st phone I have owned that had declined in price by more than 30% in a month. I'm just shocked.