This is a short, < 4 minute video clipped from his Friday early prestream, sorry 'podcast', that manages to hit 4 regular and major common methods of begging and lying
1. The first is when he lists why he needs a new word he learned: 'liquidity'. He always includes 'having one meal out a week with my wife'. He does this because he thinks it paints him as sympathetic in that he's so busy and so entrenched in his work, that this is the single hour reprieve he has each week to get away from it all. First, it's a lie. He Doordashes multiple times a week, sometimes a day, and he's given examples of it, so he's not really hiding it. He doesn't include those as 'going out', which makes it actually worse because he's spending more money than if he did. I've known people in dire financial straights that got through it by literally buying bulk things like rice, beans, pasta, etc. Phil doesn't think that living 'day to day' means you change your behavior and forgo all luxuries, he believes you just cut down on them but still get SOME.
2. A man in desperate financial straights, living day to day, doesn't know what bills he has to pay. While wanting to give some kind of example of what he owes, he still very much has a cavalier attitude about paying his bills because of the daily cash he desperately tries to keep coming in. He says he has a 'BIG BILL' coming up, and says it's either his 'homeowners insurance or car insurance, one or the other'. The bank leaks probably tell us which, and I don't even care if he does owe one of those. The problem is that HE apparently is unsure which bill, and a BIG one no less, it is and expects people to take him seriously when he plays at being a 'serious and mature adult with a lot of expenses'.
3. His lie about his YouTube payment. It's horseshit. When he gets paid on a Saturday, he gets his money Monday. This has been confirmed by people on here who get paid by YouTube and also by anybody who has any other job. With his day off being Tuesday, if he does not like and claim to be nervous and even float the ridiculous argument that he maybe doesn't get paid as late as THURSDAY, the concern that he won't have money disappears he can't milk this angle for tips.
4. He lies about the performance of previous streams. He states that he hasn't been hitting higher tips goals and says that yesterday he 'barely hit the Tier 1 and, at night, didn't even hit that'. He says he 'barely hit it and got something like 50 or 55 dollars'. He got $65. So, he comes close enough to it to be able to claim 'I couldn't remember exactly but I was close', but he very intentionally makes sure to understate it in order to make it seem much tighter.
None of these thing get me up in arms or anything (ok, sometimes) but, goddamn, it can be mentally exhausting to watch somebody roll out and retread the same obvious lies, bad optics, shockingly ungrateful behavior, and insult to your intelligence day after day after day. He crams that all into less than 4 uninterrupted minutes too, and repeats it multiple times throughout the day! It's why breaks from him can be so essential, I guess.