Hiya Janetchat,
The Apple Support Community really appreciates that you decided to post this issue. It appears that you're having issue updating your iPhone or your Apple Watch. We're happy to help out with that.
A great way to start would be to restart both your Apple Watch and your iPhone:
Restart your iPhone
How to restart your Apple Watch
After that, try updating your devices using the steps here:
Update your Apple Watch
Update your iPhone, iPad, or iPod touch
If you’ve verified that both of your devices are up to date, please reach out here for additional support: Get Support
Take care!