Consider skipping the most expensive phones this year, looking instead to up-and-coming brands with lesser-known devices. Not because it's the cool thing to do, but because we've reached the concentration point. We're at a point where Samsung is battling Apple, and Apple hasn't made any major changes to their iPhone since iPhone X. If you want to continue using your smartphone the way you use it right now, by all means buy a Galaxy S10 or iPhone XI. If you want to try something new, consider something else.