Phil does not make $8000 a month. More likely 5-6k a month. Split that between 2 mortgages, and his bills and I highly doubt he is saving anything.
Completely agree.
Phil is just a cautionary tale about entering a field of 'employment' that is novel and thinking you'll either make the same or more in a decades time. The reality is that it is not as novel as it once was and during its heyday, Phil chose to live it up by buying stupid shit and not thinking ahead.
Probably a big flaw was also thinking that taking on a large amount of debt was sustainable and a "good way" to expand his earnings.
If you look at his current setup, he has shitty headphones, a shitty TV and a shitty PC. Everything he spent money on (like the BMW) ended up getting him nothing at all in return, and his inflexibility with his living arrangements have made his existence expensive.
I think he's still in that line of thinking because he thinks the games he buys are "must haves" when in reality they probably aren't helping him very much (he probably gets a sweet $2 tax return on each of them though). He probably also thought that things with Leanna would last forever and perhaps ironically didn't think of himself when moving half way across the country.
If Phil had actually lived within his means, resisted the temptation to buy 16 Keurigs, a BMW and two houses then he probably wouldn't be in the shit show he is right now. He's going to have a difficult few years ahead.
The harsh reality is that being a full-time "Youtuber," content creator or indeed most businesses that are sole in nature (i.e. being a plumber) requires adaptability, flexibility, foresight and excellent PR and communication skills.
Another key skill he sorely lacks is usually called something along the lines of "having to break an egg to make an omelet". He refused to use a capture card, he refused to use twitch, he refused to do x/y/z. He hasn't started using blip or any of the twitch alternatives yet. He is very reluctant to drive change in an industry where it is a requirement.
Phil doesn't have any of these. He has just been lucky.