The person you’re replying to is a moron, basic maths tells me they’re wrong. My phone costs £400/year, let’s round that up to £500 for ease of calculation (less once the handset is paid off, but I’ll give them the best possible argument). Living in a 3 bed semi, nothing fancy, decent area. Currently my house would cost £200-250k, I’ll take the lower end, again benefits their argument. At £500/year it would take 400 years for me to save for my home. Not a big fancy home, a relatively small starter home. My smart phone is not the reason I can’t afford a bigger house.