I'm trying to update my iPhone 4 to the new iOS6

I'm trying to update my iPhone 4 to the new iOS6, but it keeps telling me to restore to the factory settings. Should I do this or will I lose everything? Also, I turned my phone on and off and I cannot use it until I restore. HELP PLEASE!

If you have a back up of your phone, then theres no worries you can restore to it.
if you don't have a backup, then you'll lose everything. You'll have to restore to update.

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