I have an iPhone 4. The apps I use most are email, YNAB, camera, text, a couple of radio apps so I can listen to live radio from around the world, calculator, a GPS app that talks to me so I can get where I need to go when I'm driving (my car does not have GPS), Shazam, and Pandora. I also have my Pilates routine in Notes so I can do Pilates anywhere.

Oh, and the PHONE, including the ability to have multiple people on the same call. That is very important.