Bank Documents [18-Sept-2021] - Didn't learn a thing from the bankruptcy

[Watamelon]

A little refresher clip for our new and returning friends.
View attachment 2551208

Barely 15s into the video and the stroke face is already there. Take some care of yourself, Dave.

 

[Mr. Brown]

Ok I've been through the spending data earlier in the thread and the table format is interesting for detail but for visual people who want to see where phils money is going I've made a pie chart.

I've genuinely tried to be as "fair" as possible but with the lack of details on most of the paypal payments I've lumped them all in as WWE champions. I think that's a pretty safe bet as most of the amounts are the exact same as apple payments which are almost certainly mobile game spending.

I've tried to label his business expenses and anything I'm unsure of I've labelled unknown. I've done my best trying to label stuff but as a Britbong I'm not 100% certain on what some of these companies are. His AT&T bill could be a mobile phone or an internet line for example... But I think I've made a safe and fair bet in most cases. Feel free to check the CSV file for the data I've labelled. In the grand scheme of things if I've mislabelled $100 here and there it's not going to change much.

Some of the insurance payments he makes could be car insurance or home insurance, I've just put those down as household expenses. His car payments also includes stuff like maintenance where it was obvious.

It's easy to look at this and say "well he only spent 3% of his income on alcohol"... But that's $1062 in 3 months.

The cult members are going to say "well he only spends 6% on eating out..." but that's $1000 per month. That's fucking unbelievable.

His biggest expense is gotcha gaming, that's $8225.62. Thing of the honey moon kat could have had with that.

Totals:

Alcohol	1062.4​
Banking Fees	65​
Business Expenses	407.7​
Car Payments	1550.81​
Condo Dues	812​
Eating Out	2358.23​
Entertainment	5.49​
Groceries	3930.88​
Grooming	102.51​
Healthcare	1167.2​
Household Expenses	1237.42​
Internet Bills	1474.87​
Jasper	782.76​
Mortgage	7397.51​
Phone Bills	553.4​
Taxes	4799.64​
Unknown	1711.41​
Utility Bills	1267.79​
WWE Champions	8225.62​

Total spend: $38,872

It's worth noting that those tax payments are from previous years he didn't pay taxes. He's not paid anything this year and he's not saved anything... He's going to eventually fuck himself big style.



Some interesting things I found were below:

Remember when his flat tyre was a big deal that could cost him hundreds of dollars....

07/01/2021

22.01​

Firestone Bridgestone

Phil also had multiple banking fees for going overdrawn on his account. How you make $10k a month and go overdrawn is unreal.

The biggest conclusion is what we already knew, Phil makes more than enough to live like royalty but pisses it away really stupidly. He's spent over $6000 on food, no one needs to do this, this is ridiculous. How the fuck are they eating out so much but still spending $4k on groceries to eat at home...

$8k on mobile gaming, what the actual fuck.

This is a man who doesn't even need to downsize his home, his mortgage of $1800 + $400/month for utilities is pretty good really. I was expecting that to be more but how does he spend this much on food... Either Kat is now 400lbs or he's secretly started a soup kitchen where he tells homeless people how trolls keep trying to kill him.

 

[DZoomer]

What is his endgame? to live it up as much as possible then be broke later? one of the most surprising things about DSP is that he doesn't hoard his money like a goblin.

DSP Quote: Do what gives you pleasure and fuck everyone else

Inside of people there is this desire to control, hurt, take. Do what gives you pleasure and fuck everyone elsehttps://youtu.be/WmocLbQI4dI?t=3549

www.youtube.com

 

[MarkofdaBOOG]

I am no lawyer, but I doubt discussing, reading, or re-posting Phil's transaction history is illegal:

"Because of the rise of identity theft and it's harmful consequences, Congress passed a law in 1998 making it a federal crime. Under the Identity Theft and Assumption Deterrence Act, it is a federal crime when a person 'knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law.'"

I don't think his transaction history constitutes a person's identifying information.

I think it is the person that actually acquired the documents that would be in trouble. I don't know anything for sure obviously.

 

[Freshtodeath]

According to the image wings posted they doordashed ihop, then they went to some place called shari's then they went to starbucks then target then petsmart finished at total wine then doordashed dinner WTF

 

[Flavius Anthemius]

According to the image wings posted they doordashed ihop, then they went to some place called shari's then they went to starbucks then target then petsmart finished at total wine then doordashed dinner WTF

Lives a fairly fancy life wouldn't you say for a suburban mall rat?

 

[DZoomer]

Now here's a question for the Americans: how common do you think it is for a person to live life like Phil?

I mean spending money he could be saving. I've heard about 401k (or something like that), is the average American someone who lives paycheck to paycheck and doesn't save shit or is it more common for people to save some money and not be a debt slave?

I just want to see if Phil is an anomaly there or just a common American spending all he has.

 

[Stroke Face II Turbo]

Wings, Phil does tip them with gin. He has more liters of gin than cash at home.

Tweet

 

[FamicomGorby]

Now here's a question for the Americans: how common do you think it is for a person to live life like Phil?

I mean spending money he could be saving. I've heard about 401k (or something like that), is the average American someone who lives paycheck to paycheck and doesn't save shit or is it more common for people to save some money and not be a debt slave?

I just want to see if Phil is an anomaly there or just a common American spending all he has.

Probably more common than we'd like. There are plenty of people who make decent money like Dave but are still livin paycheck to paycheck cause they wanna live way outside their means.

Most people with a job that makes as much money as Dave would at least have a 401K or IRA so they're not completely screwed when the time comes to hopefully retire.

 

[Crisis Acting Instructor]

Now here's a question for the Americans: how common do you think it is for a person to live life like Phil?

I mean spending money he could be saving. I've heard about 401k (or something like that), is the average American someone who lives paycheck to paycheck and doesn't save shit or is it more common for people to save some money and not be a debt slave?

I just want to see if Phil is an anomaly there or just a common American spending all he has.

There are a lot of Americans living paycheck to paycheck, can't remember the exact % but it's alarmingly high. A lot of people are retarded about personal finance and don't budget at all, make bad deals bc they are convenient, basically the stuff we're seeing with Phil. However I don't think there are that many people who are gacha+alcohol addicts to this degree lmao

 

[Jasper2K]

There’s no need for there to be drama in the thread over the damn Tips Goal. It’s literally irrelevant, we know it’s just drinking money. Granted, Phil’s so boring that watching him sweat over a low Tips Goal is most of the appeal nowadays, just stop getting up in arms over the whaling. It ends with regret and always will.

Agree 100 percent. The best take away here is that anyone who whales for Phil has undeniable proof that their money is going into a black hole.

 

[Aqua Panda]

Now here's a question for the Americans: how common do you think it is for a person to live life like Phil?

I mean spending money he could be saving. I've heard about 401k (or something like that), is the average American someone who lives paycheck to paycheck and doesn't save shit or is it more common for people to save some money and not be a debt slave?

I just want to see if Phil is an anomaly there or just a common American spending all he has.

The recent Covid-19 pandemic has shown it to be a lot more than we realize. Something like 70% of people live paycheck to paycheck and many consider credit cards "free money."

 

[DiabeticSP]

God damn do I love coming back from a weekend trip to see this absolute hilarious bullshit for 45 pages.

 

[UncleTusky]

Now here's a question for the Americans: how common do you think it is for a person to live life like Phil?

I mean spending money he could be saving. I've heard about 401k (or something like that), is the average American someone who lives paycheck to paycheck and doesn't save shit or is it more common for people to save some money and not be a debt slave?

I just want to see if Phil is an anomaly there or just a common American spending all he has.

It is common and not just for poor people: A 401-k is a tax advantaged account which is funded by withholding from one's paycheck, possibly with matching contributions from the employer and can only be spent after age 59 or under special circumstances (the big one is purchasing a home). All of this is of course irrelevant for people who are living paycheck to paycheck, they do not have money to set aside by definition. It's not just poor people either - payments on student loans, credit cards, and vehicles can easily cost hundreds or thousands a month so even a well paid, university educated professional could fall into this category.

Phil is not an anomaly in that he is living paycheck to paycheck, he is an anomaly in that he is doing it with such a high income and low amount of non negotiable debts.

Edit: To give you an idea of how fucked things are, there are whole books dedicated to answering the question of whether you should pay off debts immediately to avoid accruing interest on them (even if it means low/no 401-k contributions) or let some amount of interest accrue on them so that you can continue paying into your 401-k.

401-k contributions are also limited to a fixed amount annually with no amount to go back and make up for years where you contributed less than the maximum, so there really are no good options here, only different terrible ones.

 

[Maldron the Assassin]

The animosity for Phil is hard for outsiders like Null to understand. Some claim Phil is gaslighting retards and such, but at its very core the issue, I believe, is that Phil never is punished. He is in fact rewarded for his gross behaviour, despite his own efforts and those of the OP. He lives his life in a very ugly manner, thumbing his nose directly at fate, God, good sense but continues to succeed. Compare this to Spoony who has had his woman leave him, forfeited his home and returned to his parents in shame. There is no real catharsis, no emotional relief. For example, this is the basis for some detractors feeling Phil had been squirrelling away funds in an retirement account: you just know he is going to "get away with it." This can entrench detractors deeply in resentment and hate. It is hard to understand unless you are in it. As for myself, my motto has become to "love every laugh."

For example, @Null imagine if each of Melinda's frivolous lawsuits were successful. Despite improper service, no jurisdiction, not stating a claim, what have you: it just worked. Now remember the detractor community has existed for years. Over time the anger builds up, it can effect people.

 

[Mr.PiggyOinkOinkOinkOink]

Read this thread, registered an account just to comment that this is fucking wild. Is this the smoking gun everybody in the community has been waiting for? I was always skeptical of the whole WWE Champions thing but this has confirmed it for me beyond any shadow of a doubt.

No, none of us have have skeptical of WWE Champions, it’s beyond painfully obvious that was him.

mmost of us have known he’s gotta be spending money like a lunatic, this was just confirmation for most of us, and shock that it was somehow worse than we were assuming

 

[Fapcop]

He says "I need mo' money fo' dem programs" and they give it to them. A fool and his money are easily parted, so if it wasn't DSP it'd be something else. Don't cry over somebody else's money.

Unlike some people I actually feel bad for Phil, who loathes gaming and is stuck in a retarded trap mostly of his own making.

But let me ask you this @Null . How would you feel if you saw some black dude sitting with a sign: “PLEES GIVE, KEDS TO SUPPORT! GOD BLESS!”

You observe him sitting all day, regularly taking some of the cash and stick in his pocket so it doesn’t appear like there’s too much in the hat, and then in the evening, go into the bathroom of a gas station, get changed and hop into a 2017 Toyota Corolla.

Because this is exactly what Phil is doing.

He sits all day, and lies about “Muh Bills” his lifestyle and how he spends his money.

Is it illegal to lie or to cheat tards out of their money? No.

Is it funny? Much of the time, yes.

But Phil isn’t the fucking victim here. In fact, just by the virtue of his constant lying, Id say it’s beautiful, karmic justice that people get to see exactly how he spends the money he hustles out of retards.

Is it gay to be overtly invested in his downfall, yes? Just like with Chris or any other lolcow.

But in this case, we’re just seeing Phil reap what he has sowed. And it’s delicious milk as far as I’m concerned.

 

[shekelshoah666]

It is common for poor people: A 401-k is a tax advantaged account which is funded by withholding from one's paycheck and can only be spent after age 59 or under special circumstances (the big one is purchasing a home). This is of course a moot point for people who live paycheck to paycheck and cannot afford to set any aside.

Phil is not an anomaly in that he is living paycheck to paycheck, he is an anomaly in that he is doing it while making $120k/year.

Ya the living paycheck to paycheck is normal but the amount of $$$ he is dumping on even just food is rather insane. He is spending as much as a family of 6-8 does at least as a family of 2 then you factor in the spending on Jasper, booze, gacha and it's pretty insane. Looks even crazier then actual gambling addicts I know.

 

[XANA]

Now here's a question for the Americans: how common do you think it is for a person to live life like Phil?

I mean spending money he could be saving. I've heard about 401k (or something like that), is the average American someone who lives paycheck to paycheck and doesn't save shit or is it more common for people to save some money and not be a debt slave?

I just want to see if Phil is an anomaly there or just a common American spending all he has.

According to Investopedia, approximately 59%. But that number is from US adults who *admit* to it, so it may not be a comprehensive view and may actually be higher, seeing as the cost of living is rising while wages are stagnating across the country. 28% of Americans don't have emergency funds, according to BankRate.com. This money assumes said Americans polled have exactly $0.00 set aside if things go wrong like the car suddenly dying, or if a storm crushes their house with a tree. You probably won't be in debt if you live in the midwest but keep a white collar job, since things like rent are cheaper there.

Now with Phil, his financial stupidity may stem from him being bailed out by his watchers multiple times, so therefore he feels like that if he begs and grovels to his viewers enough, money will come in and his ass will be pulled from the fire. And money will probably come in for this round of ebegging as well, since people tend to feel bad (or find it funny, you choose) when streamers do this.

 

[Freshtodeath]

is it that he believes adults are supposed to spend all their money and have no savings or is he trying to keep his accounts empty in case he gets audited?