I bought my son a really nice suit at Goodwill for $15. He looks great in it. I have never owned an iPhone in my life, there are much cheaper options that do all you need it to do. Plenty of second hand phones out there for really cheap. If someone gifts you an expensive car, and you can’t pay for your health insurance, sell it and buy a dependable used car and use the remainder to buy things you really need, like health insurance. Live within your means. You can’t have champaign tastes on a Coca-Cola budget.