He ruined my iPhone.

A friend, Tony, was asking about apps for his new iPad. I asked if he finally got rid of his featureless phone and purchased an iPhone as well.

His response made it difficult for me to continue to love my iPhone:

Whenever making a purchasing decision, I try to look at the long range cost, or in this case, how much additional savings I would have by NOT doing it. In this case, $720 (the yearly cost of an iPhone data plan) at 5% return (conservative 10.1% long term market) for 20 years is $24,000. There are just too many purchases with long tails, which is why I own Verizon stock (5.17% dividend) but not the service. Just a basic phone.

I hate when my friends start sounding like grownups.