I agree in ways but at the same time, Phil is in a weird position where sometimes he seems more broke than someone in his position in life should be and other times he seems so much more well off than he lets on.
I'm not sure if that makes sense but to explain, he pays around a thousand dollars a month for a completely vacant condo. If a normal person who was suffering with their finances was in that situation, they would do whatever they could to offload that cost or get a tenant but DSP just lets it sit. He can't be tight for money and throw a thousand dollars into what's essentially a black hole every month.
Then again in reverse, all he ever does is complain about how tight his money is and freaks out if any revenue streams of his wealth are at risk. That's not what someone who has a large stockpile of money lying around behaves like.