iOS 15 and iPadOS 15 come out tomorrow!
To update your device, head to General>Software Update and tap download and install. Your iPhone will begin the update.
For more tips and tricks, follow the Apple wasteof.money account.
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No because updating modifies my rootfs without my permission
Upgrading is up to you. With iOS 15, you can either stay on iOS 14 and get security updates, or upgrade to iOS 15 and get all the latest features.