Should I get the Iphone XS or the Iphone 11?

So I have a VERY old iphone (an iphone 5s) and I was wondering which phone I should upgrade to.

Get the newer iPhone 11

Get the one you can afford without needing to make monthly payments.

Rule of thumb… If you can't pay cash or use credit, to buy the phone outright, and then can't afford to pay cash or use credit to replace that phone, should it get lost, destroyed or stolen three days later, you can't afford to buy the phone without insurance. And if the cost of the monthly premium payment makes the phone out of your budget, again you can't afford it.