Looking at what’s new and where you are with your current phone will help you decide.

The iPhone 17 models are out and they look slick. I’m not going to lie: I want an iPhone 17 Pro Max and I want it now. I’m kind of feeling the iPhone Air, too (but wonder if I’d break it).

The problem is I really don’t have room in my budget for a new tech toy at this juncture. Maybe you can relate. The everyday stuff — like electricity, groceries, gas and water — is stretching my family to the literal brink. My season of life includes three small kids, a leaky toilet and so many loads of laundry that our latest quarterly water bill was closer to four figures than I ever thought possible.

Originally published on nerdwallet.com, part of the BLOX Digital Content Exchange.