My mom was excited and confused when she opened her Apple Watch at Christmas a few years ago. “What a nice gift!” A pause. “What am I supposed to do with this?” We told her the truth: A smartwatch can do all kinds of useful things.

Fitness tracking became the thing my mom latched onto. She loved counting her steps and seeing how many miles she walked in a day. It motivated her to become more active, too. We didn’t tell her until much later that the Apple Watch’s fall detection feature was the real reason we got her the watch. The feature worked, too.

On the coldest day of the year, this past winter, my mom tripped on an uneven sidewalk and broke her wrist. The Apple Watch called 911 almost as soon as she hit the ground, and we took an ambulance to the hospital, where my sister, who was nearly a thousand miles away, texted and asked what was wrong. She’d been watching my mom’s location on Apple’s Find My app, a fact that we revealed to my mom for the first time when she was in the emergency room. We also had to confess that the Nest security cam we’d set up in her living room was indeed useful in spotting intruders but also let us check in on her from time to time. 

My mom wasn’t thrilled about any of this. She realized that these handy gadgets doubled as surveillance devices, and we’d essentially be spying on her.

But at the same time, she recognized why we wanted to keep an eye on her. If she’d fallen alone at home alone, for instance, an easy way to call for help could’ve been a lifesaver. 

Perhaps grappling with how to spy on your aging parents — ethically! — is something you’re grappling with, too. A growing number of people are weighing the privacy trade-off as boomers get older and their millennial children get more involved. Roughly 59 million Americans now help take care of an adult over 50, up from 34 million a decade ago. A third of those are sandwich-generation caregivers, meaning they’re looking after their parents and their own children at the same time. It can be an overwhelming task. So enlisting a home security system, like Nest, or a wearable, like an Apple Watch, to keep an eye on their parents seems like a time-saving way to gain some peace of mind. It certainly helped my sister and I feel better about our mom aging in place.

It turns out, a growing community of researchers and tech developers has thought a lot about this problem that many of us are now facing. There are labs focused on how technology can make growing older more humane, as well as federally funded research efforts and startup accelerators from groups like AARP working on solutions. All of the experts I spoke to for this story told me the same thing: Good communication is essential.

And there’s a whole cottage industry of tech for older adults, known as age-tech, that includes everything from healthcare gadgets, like the Hero Smart Pill Dispenser, and more futuristic devices, like the social robot ElliQ, that promise to help seniors combat loneliness. Many of these products and services are designed to help keep older adults safe and to help them age in place. Some, like the Haelo smart ring, are designed to do it all, everything from fall detection to health tracking to emergency alerts if something suddenly looks wrong. Others, like Life360, use software designed to track kids to keep an eye on their grandparents.

The big challenge with all of this, however, is finding a way to implement it in a way that respects the aging loved one’s privacy and independence. Boomers and Gen Xers didn’t grow up with as much tech in their lives as younger generations — much less gadgets that could double as monitoring devices — so introducing these tools stands to alienate them. And beyond that, it’s an ongoing challenge to ensure that technology reduces a caregiver’s mental load rather than add to it. After all, too much tech can create new problems rather than solve existing ones. If the overwhelm becomes too much to bear, everyone involved might just abandon the effort. 

“Start with: What do they need support for and what is the best solution for that?” Wendy Rogers, director of the Human Factors and Aging Lab at the University of Illinois, told me. “Sometimes it’s technology, sometimes it’s not.” 

You might be surprised by what technology can do, when it’s purposefully designed and properly introduced into an aging person’s life.

If you’re a caregiver — Rogers prefers the term “care partners” — you should think of this problem-solving project as a collaboration. Start the conversation with your parents or loved ones early and maintain an open dialogue about how it’s working out. Perhaps most importantly, keep updating the plan as time goes on and lives change. And this might go without saying, but try to avoid any big surprises.

Don’t wait until an emergency

It’s difficult to know when to offer an older adult help, even if that help is as simple as a smartwatch. On one hand, you don’t want to offend or infantilize them. On the other, if you wait too long, you might find yourself trying to set up a monitoring system when it’s no longer optional, like after a fall or other health scare. In these instances, you risk rushing to a solution before you identify the specific problem. 

Waiting until an emergency to start thinking about this also necessarily means there’s less time to plan. That sets the younger person up for a situation in which they’re inundated with more information than they can manage. If you set up a smart camera, like a Nest, to notify you every time your parent wakes up and goes into the kitchen, you’re bound to face a huge stack of notifications every time you open your phone and no real strategy for separating the signal from the noise. Good planning helps you to avoid looking at all that raw data and instead look for deviations from the norm. Once I involved my mom in this process, we had the chance to clarify not only the details of her routine but also our goal in keeping tabs on her. In the end, she had no doubt this all came from a place of love.

“In those cases, the technology serves as a safety net, not to check every day what’s going on but to be notified when something doesn’t seem to be happening the way it was supposed to,” said George Demiris, a professor of informatics at the University of Pennsylvania’s medical school. 

You can imagine the broader implications of this safety net concept. If your goal is to make sure your parent is going about their daily routine, you don’t actually need cameras at all. Motion sensors can do the job just as well, all while maintaining privacy. There are even camera-free systems, like Nomo Smart Care and Silvie, designed to spot worrisome deviations from an older person’s routine. Even still, the benefits of planning — at the very least, identifying a specific problem in need of a solution — will make it more likely that you’ll maximize the technology’s benefit.

Make privacy and empathy central to your approach

The first step in planning to use tech to monitor your parents is simply talking. You should have a conversation with them to find out what worries they have and consider those alongside your own. Ask what level of monitoring they’d be comfortable with. When the time comes, teach them how to use the tech you’re introducing into their life. Give them the agency to make changes and even turn off the tech when they want.

One way to go about this is to try reversing the roles. Consider how you’d feel if someone wanted to install a bunch of surveillance cameras in your home and track your every move. If you’re asking an older loved one to wear a health tracker, think about why a device like that might be useful to you. Heck, you could even buy matching Apple Watches and start sharing your step count in order to show that you’re trying to stay active and healthy together.

“Saying, ‘Okay, let me stop for a second. Let me imagine I’m their age and my kid wants to do this thing — what would that be like?’” said Amanda Lazar, an associate professor at the University of Maryland’s College of Information. “I think that can help you approach it more sensitively and in a more understanding way.”

The privacy question deserves extra attention. While motion sensor-based monitoring systems can offer extra privacy, there might be situations where you do want a camera. You should talk to your parent or loved one about where they’re comfortable with having a camera and what level of control they’d like to have over it. If you’re thinking about tracking someone with an AirTag or through an app, tell them you’re doing it and explain how it works. They won’t enjoy being surprised if you pull a Big Brother and start asking about specific whereabouts.

All that said, if the person you’re helping care for has dementia or other cognitive issues, these conversations are more complicated. You should talk to their doctor about their individual needs, potential tech solutions, and the possibility of involving professional caregivers.

Start simple and with tech people actually want to use

There’s a reason my sister and I bought my mom an Apple Watch and not a Life Alert pendant. We knew she’d like it, if not for the fitness tracking, then at least as a fashion accessory. And, as a direct result of liking it, she’d wear it. Indeed, we were nervous about her falling, so the fall detection feature was a selling point. But as someone who’s spent a lot of time thinking and writing about gadgets like these, I knew that some of the health tracking features could help be active and have fun doing so. Now, every other time I call, she tells me how many miles she walked that day.

If you’re considering a monitoring device for your parents or an older loved one, think about what they might actually want to use. For many people, smart speakers are a great way to introduce potentially lifesaving tech into the home. Your dad might like asking Alexa for recipe advice, and you might find comfort in the fact that he can also ask Alexa to call 911 if he falls. “Engaging people with technology tools early on and making it part of their everyday repertoire can be very helpful,” said Rogers, “and then as their needs change you can increase the support.” 

Down the line, it’s relatively seamless to connect cameras, motion sensors, smart locks, or smoke alarms to systems like these. And because the older adult has been in the loop from the start, you can teach them how to use these devices, and they can remain aware of what you can see on your end. Again, the empathy-focused approach is more likely to win someone over.

Change your plan when life changes

Like anything related to tech, you’ll need to do some software updates along the way. And I don’t mean making sure your Nest camera firmware is up to date. You’ll want to revisit your conversation about monitoring with your parents or loved ones at least once a year. You might try doing it over the holidays when you’re all together or when there’s a need for some tech support. Regardless, it’s essential to communicate about what’s working and what’s not.

These conversations can also be opportunities to talk about other ways you might help. Beyond monitoring their physical space, some aging parents could benefit from some help in the digital world, especially as they’re being targeted by a growing number of AI-powered scams. Do they need help managing their finances or keeping track of login credentials? Do your parents know what a passcode is? They might not ask you for help with these things, and again, it’s better to get out in front of issues before an emergency happens.

“Everyone’s in denial,” said Amelia Hay, a vice president at AARP Innovation Labs. “Everyone’s thinking their parents are fine, whatever, and then something happens where you’re in a state of emergency.”

So don’t wait. And don’t be in denial. Aging, as much as some tech billionaires would like to deny it, is one of those things in life that’s inevitable. If everything seems fine now, that means it’s a great time to start planning for when things go sideways.

Ever find yourself hunched over your laptop, eyes glazed, slack jawed, and stunned by the quantity of information modern life is throwing at you? You might take a break to stare at your phone. Or you could try switching from one browser tab to the next while checking your email and inching closer to the day’s deadline. 

Some people call this TikTok brain. Others call it brain rot. Either way, it feels like a distinctly 21st-century affliction, caused by scrolling through too many short-form videos and social media feeds that trains your brain to seek out little hits of dopamine and ruins your ability to focus on anything for more than a few seconds. People with the condition may not be able to read books or even watch feature-length films. They can’t do anything except watch little videos, leaving them prone, catatonic, faces blank and bright in the glow of their smartphone screens. 

I don’t even use TikTok, but I feel this way all the time. Give me one hour to complete a task that requires even a medium amount of mental fortitude, and I’ll find 55 minutes’ worth of other things to do. It’s not that I’m avoiding the task. But once I get started, my mind wanders relentlessly, no matter how hard I try to keep it on track.

You can blame technology for doing this to you — and I do — but the real issue is with how we treat our brains. Generally speaking, the human brain works like an analog computer, processing one thing at a time, and when you switch tasks (which is what we’re actually doing when we say we are multitasking), it comes at a cost: It drains your cognitive resources, which makes it even harder to pay attention in the future. The more you do this, the more ingrained the behavior becomes.

“It’s a myth to think that we should push ourselves to focus as long as possible and we’ll be more productive,” said Gloria Mark, the author of Attention Span: A Groundbreaking Way to Restore Balance, Happiness and Productivity and the Substack The Future of Attention. 

The human attention span is not one thing. There are different types of attention, including sustained attention (your ability to stay engaged with a task over a period of time) and selective attention (your capacity to take in certain information while tuning out irrelevant details). Alternating attention (the mental flexibility required to switch tasks rapidly) and dividing attention (process multiple things at once) are especially demanding on your cognitive resources. And all of this is managed by the brain’s command center, your prefrontal cortex, which handles executive function. When you’re experiencing cognitive fatigue, there’s a physical reason why: There’s actually less blood flowing to this portion of the brain.

“We need to stop trying to recover from cognitive fatigue and overload by consuming more information.”

Amisha Jha, University of Miami neuroscience professor

The good news is that the damage is not permanent. The human brain’s capacity to focus is just as intact as it was in the 19th century when everyone spent their evenings reading novels and knitting fisherman sweaters. Lots of things have changed since then, of course. As smartphones have driven us to consume endless amounts of information, psychologists have been working on strategies to put the pieces of our attention spans back together. I called a few of these attention experts hoping that they might tell me the secret to regaining my ability to focus. They all agreed that two things are necessary to solve the problem: Be intentional with your attention and let your brain rest.

“What we need most is the capacity to know where attention is, moment by moment, and greater agency over our attention so we can direct it intentionally,” Amishi Jha, a neuroscience professor at the University of Miami and author of Peak Mind, told me. “We need to stop trying to recover from cognitive fatigue and overload by consuming more information.” 

Put another way, in order to reclaim your attention span, you first need to be mindful. That means spending less brain power dissociating on social media feeds and more on whatever you’re actually interested in. You also need to give your brain a chance to rest and recover. Staring at your phone will not help you recharge and reclaim your attention span. Staring at a tree, however, will. 

Let your brain rest

One way to think about your own attention span is to consider what is voluntary and what is not. When something like a bright light or a loud noise grabs your attention, it engages your involuntary attention, which is effectively limitless. When you’re deciding to pay attention to something, however, you’re using your voluntary, or directed attention. This is a limited resource. As you’re making an effort to focus on something, like a book, your supply of directed attention runs down, but it can be replenished in specific ways.

This simpler way to understand how our attention works dates back to the 19th-century psychologists, like Williams James, but it’s making a comeback thanks to attention restoration theory (ART). This school of thought, first developed in the 1980s by University of Michigan psychology professors Stephen and Rachel Kaplan, suggests that spending time in nature restores your directed attention. The theory claims that the natural world does this by captivating our indirect, or involuntary, attention and allowing our cognitive resources to recover.

Imagine you’ve gone for a hike and happen upon a waterfall that’s so fascinating you can’t look away from it. Marc Berman, one of Stephen Kaplan’s former students and now a professor at the University of Chicago, refers to such a spectacle as a “soft fascination,” something that can grab your attention without consuming it, thus giving your mind space to wander. You might get the same effect from staring at a campfire or looking up at tree branches swaying in the breeze. Hard fascinations, by contrast, capture so much of your attention that you can’t look away and you can’t quickly recover. Times Square is a canonical example, but being on social media counts, too.

“Doomscrolling, streaming, surfing the internet — they’re activities that maybe seem restful, but we actually think that they’re fatiguing and depleting,” said Berman, who is also the author of the book Nature and the Mind: The Science of How Nature Improves Cognitive, Physical, and Social Well-Being. 

In one study Berman conducted, he and his team (which included Kaplan) gave research subjects difficult attention and memory tasks, sent them on a walk in nature or an urban environment, and then repeated the tests. The participants who went on nature walks improved their performance in these tests by about 20 percent, Berman said, and the improvements held regardless of whether participants said they liked the walk or not.

“One of the great misconceptions about attention is that it’s simply a matter of us paying attention.”

Nilli Lavie, University College London psychology professor

Berman said they aren’t entirely sure why nature seems to have this effect on us, but he theorizes that it relates to fractals, or repeating, self-similar patterns whose individual parts resemble their larger whole — tree branches or fern leaves, for instance. Fractals are common in nature, and Berman thinks their orderly arrangement helps our brains to process the information. “It’s easy to get the gist and you don’t need to encode all the details,” he said. “Whereas in the built environment, it’s not very fractal and you might have to encode everything, which might be more taxing.”

Of course, it’s not always possible to zip over a forest in the middle of the work day. If you can’t take a walk in the park, Berman said that even looking at a picture of nature scenes can help. (Try not to do that on Instagram, though, because you might end up just doomscrolling.) 

Be intentional with your attention

Reclaiming your attention is one thing, but holding onto it in the first place is its own distinct challenge. When you find yourself feeling distractable, it might be that you need a break. If that’s the case, you can’t will your way into concentrating.

“One of the great misconceptions about attention is that it’s simply a matter of us paying attention,” said Nilli Lavie, a professor of psychology and brain sciences at University College London. “It’s not enough to just want to pay attention.”

Instead, you have to put yourself in an environment that makes paying attention not only possible but achievable. That means making a concerted effort to avoid multitasking, which will drain your cognitive resources. Try the alternative: monotasking. 

Monotasking likely requires clearing away clutter, whether that’s literal clutter on your desk, or digital clutter on your screen in the form of extra apps or browser tabs. Turning off all notifications is essential. You should also hide your phone — put it in a drawer or in another room. (A widely cited study published in 2017 found that even having a phone in sight can reduce your cognitive capacity and affect your ability to concentrate.) When you need to take a break, don’t go find your phone: Take a walk outside, or stare at a tree, or look out the window and listen to a song you like.

Monotasking also means being intentional about how you do that one thing, avoiding distractions along the way. At work, this might mean carving up projects into digestible chunks. You might even try the Pomodoro technique: Set a timer for 25 minutes, focus hard on the task until it goes off, take a five-minute break, and repeat. At home, it could mean making to-do lists and prioritizing tasks so that the toughest ones get done first, while you still have some gas in the tank.

If you aren’t ready to turn off all notifications at this point, at the very least turn off all the ones that aren’t coming from humans. You do not need to be alerted of an Amazon flash sale while you’re trying to plan your family’s meals for the week.

Give yourself some constraints

There’s no such thing as being 100 percent locked in to any given task. When there are no external distractions, your brain actually turns inward and finds something else to pay attention to, which can lead to daydreaming and mind wandering. Daydreaming — creating a structured narrative of imaginary scenarios — is not necessarily a bad thing, by the way. It can be productive in helping you plan and think creatively. But if you’re just mentally wandering from random topic to topic, you’re getting into the danger zone. 

Some people find that adding constraints can improve their attention. One approach you’ll see in self-help books is the use of a so-called commitment device that restricts future behavior in service of a larger goal. If you’ve read (or seen) The Odyssey, you might remember the scene in which Odysseus orders his crew to tie him to the ship’s mast and ignore his orders so that he won’t steer the boat into the rocks when he hears the Sirens’ call. Odysseus was using a commitment device to avoid killing his whole crew. You might use a commitment device, like a dedicated writing space or the Pomodoro technique, to avoid distractions, both external and internal. 

So how do you focus just the right amount? Removing those external distractions is a great start. Much like paying attention, ignoring these distractions consumes your cognitive resources, impacting your performance, and causing you to make mistakes. It also takes more effort to stay on task as time goes on. From there, do your best to avoid overtaxing your brain to the point that the internal distractions take over and your mind is wandering. That’s how you know it’s time to take a break.

“For several minutes, give yourself no new input,” Jha said. “Do not reach for the phone while waiting in line. Take a short walk without listening to anything. Look out a window. Let the mind wander without trying to solve a problem.”

Take a walk in the park. Sit quietly and look at a bird. Paying attention has never sounded so relaxing.

When I first heard about the new Apple Upgrade program, which lets you lease devices like iPhones and MacBooks for a monthly fee, I was offended. It amounts to paying a tithe to one of the world’s richest companies just to borrow devices for a couple years, rather than buying them outright. You could then choose to purchase the device, which is outdated at that point, or upgrade and keep paying that monthly fee. You may never own an iPhone again.

Then, as my mind wandered to the stack of old phones in my closet, it occurred to me: What’s so great about owning these things to begin with? 

Apple, of course, would love to sell you a new iPhone for keeps. Its most advanced model, the iPhone 17 Pro Max, will set you back $1,200, a price that’s expected to rise soon due to the global shortage of storage and memory chips. You can sign up for an installment plan — most carriers offer these, as does Apple through its credit card — and pay it off in two to three years. Or you could lease the thing for $35 a month under the new Apple Upgrade program. You can pick a 12-, 24-, or 36-month lease, depending on the device, and you don’t get to keep the phone at the end of the term unless you decide to buy it by paying off the remainder of the retail price in one lump sum. (This is similar to the controversial rent-to-own model you find at places like Rent-a-Center.) 

For the financial side of the new program, Apple has partnered with none other than Klarna, the “buy now, pay later” giant. When you go to lease a new device, Klarna runs a soft credit check and decides if you’ll be able to cover the monthly payments. When I asked Klarna, the company did not tell me where it draws the line here, but it’s worth noting that critics have accused Klarna of a lack of underwriting and of lending to people with subprime credit scores. If you miss three consecutive payments, Klarna will terminate the lease agreement and possibly send a collection agency after you.

“How do I know people aren’t getting a good deal here? If they were, Apple wouldn’t be offering it.”

Aaron Perzanowski, University of Michigan law professor

While there was some speculation last week that Apple might lock people out of leased devices if they failed to pay their bill, Apple confirmed to me that it will not put limitations on device functionality due to missed payments or default. If you want to cancel the lease, you face an early termination fee. If you choose to keep paying the monthly fee, you can keep upgrading with new lease agreements for new devices every few years, existing in this cycle indefinitely.

“I don’t think people are getting a good deal here,” said Aaron Perzanowski, a law professor at the University of Michigan and author of The End of Ownership: Personal Property in the Digital Economy. “How do I know people aren’t getting a good deal here? If they were, Apple wouldn’t be offering it.” 

Buy an iPhone? In this economy? 

If you’re someone who likes to get a new iPhone or MacBook on a regular basis, Apple’s new leasing option might make a lot of sense. The monthly fee to lease these devices is cheaper than the payment plan to buy them, and electronics are depreciating assets. If you own one, you can sell it or trade it in for credit toward a new device, but they’re all worth less and less as time goes on. Furthermore, Apple eventually stops supporting old devices through software updates, so they might just stop working at a certain point. Put another way: You may own the phone, but you’re still just licensing the software that makes it work.

Renting an iPhone does sound bleak, though. The United States is suffering through an affordability crisis as prices across the board rise in the face of new tariffs and new wars. Meanwhile, AI is promising to transform the way we work if it doesn’t simply steal our jobs first, adding further insecurity, and the data center boom is making electronics more expensive. This era of economic anxiety is pushing people to use “buy now, pay later” services like Klarna and Affirm to pay for groceries or a tank of gas. (These companies faced scrutiny by state attorneys general a few years ago for operating like predatory lenders.) And now Apple, surely suspecting that many people can’t afford to pay full price for new phones, is inviting us to rent our devices at a monthly fee that undercuts the path to ownership. 

Apple could have just called this the Apple Rental program, by the way. Lease sounds nicer, though, like something you do with a car. 

“It is funny that they frame it as not a loan but as a lease,” Louis Hyman, a history professor at Johns Hopkins University and author of Debtor Nation: The History of America in Red Ink. He added that “leasing” has class implications, suggesting that you’re either someone who needs to have the newest things but can’t afford them, or that you’re so wealthy, you’re indifferent to money.

Suffice it to say, the bulk of people who will soon be leasing their iPhones are probably not the ones who are indifferent to money.

Apple adopts its final form

The new Apple Upgrade program is the company’s latest customer acquisition strategy. As the rising price of hardware has made cheaper Android devices or the refurbished market more attractive, Apple is offering upgrade enthusiasts and budget-minded users, including people who simply couldn’t afford to buy Apple products in the past, a deal to join the company’s ecosystem. After all, keeping people supplied with new iPhones and MacBooks also helps keep them subscribed to Apple services, like iCloud, which now makes the company more money than Mac, iPad, Apple Watch, and other accessories combined.

If Apple’s financial future hinges on getting more and more people to subscribe to these services, it’s only natural that the company would want to lower the barrier to entry. So Apple is betting that by letting people use but not own its products, it will extract more profit in the long run through lease payments and subscription fees. After all, it wasn’t that long ago that it seemed like nobody was interested in upgrading their iPhone, since the new phones looked so much like the old ones. Now, Apple is just trying to get everyone on autopay, effectively subscribing so that they get the latest devices when they come out.

There’s not necessarily any harm in giving people a cheaper way to access expensive but useful products. For more than a century, installment plans have enabled people to buy modern conveniences like sewing machines, radios, and eventually, televisions. Leasing is a popular way to keep yourself in a new car, sometimes with free maintenance. Meanwhile, cellular carriers have a long history of helping their customers buy phones. Nearly two decades ago, you could get an iPhone 3G for $199, thanks to subsidies from AT&T, which the company recouped in service fees over the course of your contract. Sprint and T-Mobile have even offered unlimited upgrades through leasing programs of their own in years past.

Apple previously worked with Citizen One Bank to offer loans to customers who wanted the option to upgrade their iPhones every year. The payments were higher and they included a fee for AppleCare, but every year, you could trade in your current phone for a new one. If you didn’t want to upgrade, you could simply keep paying the installments, and you’d eventually own the phone. Most carriers now give you the option to set up a payment plan to purchase a new device that simply amounts to the retail price of the gadget divided by the number of months you’ll need to pay it off, usually 24 or 36, with zero interest. That makes it easier to get your hands on an iPhone Pro Max, and if you pay it off in full, it’s yours for life — or until Apple convinces you to buy another new iPhone.

The difference between paying those monthly installments and paying a monthly lease agreement, of course, is that the former puts you on the path to ownership. The latter simply puts you on a path to make a decision: Do you want to buy the thing and recoup some of the money you’ve already spent, or do you want to keep making payments?  

“What ownership ideally gets us is independence,” Perzanowski said. “It gives us autonomy. It gives us the ability to function in the world without relying on third parties.” He went on to explain how moving from owning a product to leasing it means you’re stuck with that third party. “I’m tied to that manufacturer in a way where they get to exert a fair amount of control over my behavior,” Perzanowski said. “Historically, we’ve been primed, especially in the United States, to resist and reject that kind of control.”

One great thing about owning an iPhone or a MacBook outright is that if you lose your job to AI, you don’t have to come up with a monthly payment in order to keep using those devices to apply for new jobs. Another great thing about ownership is that should you need a couple hundred bucks, you can sell that old phone or laptop and pocket the cash. Maybe the best thing about owning these devices is that you can repair them and keep using them for many years — or at least until Apple stops supporting them. 

That doesn’t mean leasing never makes sense. If your digital life revolves around always having the newest devices and you upgrade every year or two no matter what, you might actually save money by doing so through Apple’s leasing program. If you need an iPhone or MacBook right away but can’t afford to pay full price or even cover the monthly payments on an installment plan, a one-year lease could be a good solution. 

Invariably, when you lease anything, you’re entering into a contract, one that comes with consequences if you break it. Leasing an iPhone means you’re tied not only to Apple but also to Klarna for the next 12 to 36 months. If something goes wrong — you lose your job, you lose or break your phone, or you simply don’t want the device any more — you’re subject to the terms and conditions of these big tech companies. If you keep renewing your lease, you may very well end up spending more on a phone than you would have if you’d bought it outright. That would be fine with Apple, of course. It has shareholders to please.

Correction, July 30, 1 pm: This story originally misstated how the previous Apple upgrade loan program worked; it allowed phone trade-ins every year, not every two years.