- Joined
- Dec 13, 2022
I'm expecting him to go crazy on credit again once he's able to "refinance his house" and then he starts applying for credit cards as well, likely repeating the same mistakes that landed him in debt not that long ago, he's always talking about how his credit is "bad", someone who wants to stay away from debt traps would likely not be so fixated on how good you credit score is (most of the time) and Phil is too daft or lazy to save and budget properly.RIP 10-year plan. Phil expects to live off of dents like a parasite for the next 20 years.
Then no matter how much money he gets from his dents, it won't be enough for his repayments and then interest will start climbing up.
Phil is honestly looking like he could move backwards in life financially again, negative level 1.