There is a reason Phil is putting off a decision until tomorrow. He's mad that a guy he already hated fucked over a day Phil REALLY needed, so his plan is already to rant for an hour and then waste time until he can pause for some Champions, AKA his break. And then maybe in the late afternoon stream he might touch a controller.
Not to mention that he's never again going to pay his taxes on time. He is already fucked, he just doesn't know it yet.
Which is blatant bullshit. Phil knew damn well that even back then, he was not job material. He's not lying when he says that streaming is his most stable means. It has been rife with problems that he created, but compare that to what his employment record looks like before the internet not only saved him but spoiled him.
This is why I assert Phil to be the type to learn nothing when life finally slaps the taste out of his mouth. He may not know poverty, but he does know what it's like to very briefly see a scary future on the horizon. He never kept a job and couldn't handle a condo without help, and I do not believe he was unfazed by that. I DO believe that now, after all these years of ducking the inevitable, he will get mad, not scared.
He's going to see that he can't play Champions and pay basic bills anymore, and he's going to say "This is bullshit!" instead of get his act together.