Oh god, Phil playing PUBG....I cannot wait for the mountains of salt and probable hardware issues. What a month we are in for. I'm really hoping for some serious stream sniping, but I have heard things about mods keeping players away from streamers in order to have them play the game unmolested in PUBG.
Really want that to not be the case this time around.
http://archive.is/xjVkB
Hey someone decided to share @EddyB43 and @SoapQueen1 research on Phil's forums. Of course LastRambo calls it all bullshit, because it is not like the majority of Phil's donations are publicly posted places like his Patreon and his own stream/videos. Expect this to be wiped from TKOHF as soon as a mod/Phil sees it, but for the sake of preserving things someone tried to get the word out.
It'll get deleted and DSP will leave a comment saying no one knows what he makes and that the numbers are incorrect. He will then state publicly how much money several people give him for 4 hours on stream.
He's probably going to get shot in the back of the head non stop or keep dying to the circle and then proceed to bitch about it. Idk if that's worth watching.
Though i'm secretly hoping for stream snipers to ruin his day.
I remember when he whined at E3 because they were talking about PUBG and "nobody plays it" or whatever. DSP has this weird thing where whatever is number one on twitch he hates. He did it with LoL and Undertale too. Then he finally relents and plays it, but he plays it like MONTHS later when the hype has died down and nobody wants to see it anymore. He's got such a bizarre mentality.
1. Financial Issues - Preventable by saving up and not overspending and impulse spending which he constantly does, any money he has he just pisses it all away and doesn't budget. Could have stayed with Machinima if he didn't yell at them because he wanted MORE money. So. His fault.
2. End of his relationship - Preventable by not treating Leanna like a slave. His fault.
3. Health - Preventable by not constantly eating junk food if his health issue is how much of a fatty he is now. He can control his gout by not eating like he does. His fault.
Dunno about personal as we don't know what that is. But all of it is his fault.
Will PUBG even work on his lemon PC? We've seen the state of his desktop, that thing must be riddled with more viruses than a 1970's Saigon hooker. And we know he's gonna be super pissed if he can't play it on max settings. The real lol's are gonna be just him trying to set the game up.
I was thinking about this. It's very odd that he'd consider playing it on PC at all even as a last resort. Phil wasn't sure he could play Undertale and record it at the same time and he expressed the same concern for WoW.
Honestly I very much doubt he could max PUBG, his thought process is clouded by getting that flavour of the month twitch money (and again like undertale, backpedalling on it too late to maximize profitability). At what point do you realize being contrarian about everything doesn't work in your favour?
http://archive.is/xjVkB
Hey someone decided to share @EddyB43 and @SoapQueen1 research on Phil's forums. Of course LastRambo calls it all bullshit, because it is not like the majority of Phil's donations are publicly posted places like his Patreon and his own stream/videos. Expect this to be wiped from TKOHF as soon as a mod/Phil sees it, but for the sake of preserving things someone tried to get the word out.
Honestly even if that number is true for the amount of debt and expenses Phil has; even that amount of money I could still see barely keeping him afloat. This amount of money doesn't count for taxes so if you take 33% off that amount you come to about 4,000 a month. He has two mortages, a car payment, multiple business loans and credit card debt. For Phil to live comfortably in his situation he would have to clear 10k a month at minimum. I'm not saying Phil doesn't make money, I'm saying that we are totally underestimating Phil's complete ineptitude when it comes to personal finances. Willingly taking on two mortgages should've spelt it out.
Gonna stop you right there. 33% is an utter meme. You're not the only one who is guilty of throwing numbers that high around so I don't want you to feel like you're being singled out. 33% is "I make $300K a year" level of taxes. He doesn't pay anywhere close to that.
In addition he only pays taxes quarterly which means he can wisely invest his money for 3 months before he has to hand it to the IRS.
$9000 - $4000 (condos) = $4000 - $300 (food) - $200 (health insurance) - $250 (car and insurance) - $1000 (both phones, both internet, and cable) = $2250 - $2000 (25% taxes after deductions) = $1250 for minimum payments on credit cards and loan payments. The dude has money even if you add fudge factor to what he claims his expenses are.
Gonna stop you right there. 33% is an utter meme. You're not the only one who is guilty of throwing numbers that high around so I don't want you to feel like you're being singled out. 33% is "I make $300K a year" level of taxes. He doesn't pay anywhere close to that.
That and the stupidly expensive health insurance premiums that you get if you don't have a corporate health plan. Well, that is if he got something that doesn't suck. If he got the cheapest plan then he's probably only out about $200 a month for it.
He's also reducing his taxable income by deducing business expenses, so the extra 7.65% he's paying in employer's share of FICA likely gets cancelled out in the end. Internet reduces his taxable income by 4.4% and October games by 4%.
Most people pay money to work (uniforms, tools, travel, etc) and the IRS says too damn bad were taxing you on the income that went to that stuff anyway. DSP is not most people.
Gonna stop you right there. 33% is an utter meme. You're not the only one who is guilty of throwing numbers that high around so I don't want you to feel like you're being singled out. 33% is "I make $300K a year" level of taxes. He doesn't pay anywhere close to that.
In addition he only pays taxes quarterly which means he can wisely invest his money for 3 months before he has to hand it to the IRS.
$9000 - $4000 (condos) = $4000 - $300 (food) - $200 (health insurance) - $250 (car and insurance) - $1000 (both phones, both internet, and cable) = $2250 - $2000 (25% taxes after deductions) = $1250 for minimum payments on credit cards and loan payments. The dude has money even if you add fudge factor to what he claims his expenses are.
I appreciate you not making it an attack However I doubt he makes 9k a month before taxes. From everything I am seeing including estimates and what we do know, I think 7500k per month is a reasonable estimate. And I agree 25% is a more reasonable tax bracket for him. What we aren't factoring is the increasing interest rates and monthly minimums on those credit cards and business loans. I'd say a conservative minimum he is paying on all those combined is in the 600-900 range. Also Phil got a brand new 2017 car with some APR bullshit attached, also he confessed he was either getting a Hyundai Sonata or a Toyota Camry. Even at a 6 year finance term he is at least paying 500 a month, especially when he also admitted he put no money down for the car. Like him taking on two mortgages willingly, willingly taking on a brand new car and fucking financing it proves to me it doesn't matter how much money he makes, he will make bewilderingly stupid decisions to put him right back in the hole he loves digging.
Yeah he keeps saying he's basically out of credit and the thing I keep thinking is that he's basically making minimum payments for years. He probably started thinking it was no big deal and just keep doing it. And he thinks he's going to get a reverse mortgage to pay it all off LuL
Yeah he keeps saying he's basically out of credit and the thing I keep thinking is that he's basically making minimum payments for years. He probably started thinking it was no big deal and just keep doing it. And he thinks he's going to get a reverse mortgage to pay it all off LuL
Honestly that house is what is slowly killing his finances. There is no reason for a single man who works from home to live in a large single family town home in one of the most expensive states in the country. Or to drive a brand new mid-size family sedan. Phil honestly had a pretty great set-up in Connecticut, but he could've moved to someplace like Texas or West Virginia to upgrade his living for the same price or much less. I still for the absolute life of me can't fathom why he moved before he sold his condo. Him renting it to his ailing Aunt was such a short term fix. And I know Phil is the definition of short term, but that still baffles me more than anything.
When you consider my or @SoapQueen1's Twitch & Patreon income numbers, I'm certainly not considering how much in taxes or fees DSP has to pay to get the money. Twitch claims they pay the transfer fees for partners like himself, unlike the newer affiliates. Also DSP keeps whining that it takes "two months" to receive his Twitch income. This is false, ever since the Affiliates program launched in April 2017 Twitch cut that time for partners down to just 45 days. https://help.twitch.tv/customer/portal/articles/2785927-joining-the-affiliate-program#question3
I'm only counting what I can see for the money being given to him by viewers. Twitch cheers & subs are easy via the chat, @SoapQueen1 scraping the Patreon site regularly handles that well (but could still miss someone who pledges/raises & pulls in under 5 minutes, can't really help with that, if you dropped it to say 30 seconds I'd expect Patreon to quickly try to stop the scraping) & tips have to be done via audio like SoapQueen and/or video which is my method. I'm rarely watching the gameplay streams these days, but I can set it up to screencap from a live stream every 5 seconds (notifications seem to be on screen for ~7 seconds) or dump a frame from a downloaded VoD every 5 seconds, and then blitz through that after the fact.
Note we don't talk about YouTube income, and I have a possible correction here. DSP claimed July's Twitch income wasn't as much as YT, but August's was... but recently I had a thought based on DSP thinking September Twitch income is down... perhaps when DSP says Twitch income he ONLY means cheers & subs, perhaps pitiful ad revenue too, but NOT tips. His Twitch dashboard won't track that, maybe something like Muxy or Streamlabs site does? So perhaps DSP's YouTube income is not ~$3.5K/month but July's would be above the ~$2077 cheers/subs total but August's was below the ~$3023 cheers/subs total, so maybe it's more like $2.5K.
We don't know DSP's monetized views count (I highly doubt all 1-2mn each month are monetized, I'd expect a high adblock rate from 'haters' and loyal fans sick to death of ads after having to watch 20+ videos every day) so I've always just stuck with the raw views count via SocialBlade.
Other income sources and half-assed guesses:
YouTube ad revenue, could be $3k+, should be $2K+, must be $1K+ monthly
Twitch ad revenue - adblocking isn't 100% here, and DSP recently whined that he only got $10 per day during the ~1000 viewer MvCI streams. After Nioh's saucy stream 'only' got $7, I was guessing a minimum of $1 per stream. With this $10 statement, he might easily be getting $100+ monthly just from Twitch ad revenue.
Teespring. DSP has noted very few sales once people had bought the last new stuff (I Hate Skeletons, 'Kowai' Phil) maybe 3 months ago, I'd be amazed if he even gets $100 from that in a dead month, maybe $200+ when there are new designs.
LootCrate. When I last looked a couple months ago despite DSP no longer getting his free LootCrates, his referral code still worked. He almost never mentions it in prestreams etc. now, so I wouldn't be surprised if he gets less than $50 monthly from it.
Now let's have a look at expenses, and the numbers DSP has told us in the past for what they cost. You have to trust DSP for these numbers, so they could be utter bullshit.
Condo lease & 'house' mortgage: In the 2016/2017 business update vlogs DSP claimed the condo lease was $1500/month, then later said the 'house' mortgage was 'the same as the condo' so another $1500 = $3000/month
Dual business Internet: DSP claims $400+/month. A couple tweets & chat statements over the years confirmed it is dual business rather than business + residential Comcast. Comcast's business pricing confirms ~$200/month for the first 20Mbit upstream package, so let's say $400/month.
Health insurance. This is a new one because in a recent prestream DSP admits he went up from ~$200/month bare bones 'worthless' insurance almost $100 to 'almost $300/month' for his new better insurance in 2017. He also wants to drop back down since he needs that money... but for now, almost $300/month.
New car. People have guessed it's a Toyota Corolla based on certain instagram posts, DSP has claimed he's saving maybe $300/month vs. the BMW lease, so let's say this is $200-250/month.
Cable TV. DSP now wants to drop cable TV, but he has stated it was around $100/month.
Streaming services. We know DSP pays for WWE Network which is ~$10/month, and we can include his yearly Amazon Prime of $99, or ~$8.25/month. Netflix is a free month trial & then a fan sent him a $25 giftcard, so that is currently free. ~$18.25/month
This lot alone is ~$4015-4065/month, but then there's a whole lot more stuff I can't even guesstimate costs on. Electricity/gas, water, cellphone service, credit card(s), 2 business loans, quarterly upfront taxes, HoA fees, other bills for the CT condo and no doubt more I'm forgetting or we never even knew about. It does not surprise me that DSP somehow chews through $5K/month, again this is why he can't get a job - what full time starting job could pay him even $5K/month? With only a ~15 year old 'finance' degree, retail work at Best Buy etc. & a failing YouTube/Twitch IT'S NOT A BUSINESS as current resume points?
He's also reducing his taxable income by deducing business expenses, so the extra 7.65% he's paying in employer's share of FICA likely gets cancelled out in the end. Internet reduces his taxable income by 4.4% and October games by 4%.
Most people pay money to work (uniforms, tools, travel, etc) and the IRS says too damn bad were taxing you on the income that went to that stuff anyway. DSP is not most people.
I have no doubt he's also deducting things he's not entitled to deduct, claiming "home office" expenses for random around the house shit that isn't segregated into a specific area, as we've seen he has all his shit just scattered around at random in his house, etc. It could get him into trouble later down the road if he's doing that.
The bottom-line here folks; the bubble has burst, but Phil refuses to get out of the bath. Instead he is khantent to sit in it with all his filth while it slowly gets colder and sinks down the drain. No matter if he gets out now or waits for the water to drain he will be in the same predicament; cold, naked, and horrendously out of shape... and he forgot a towel.
However I doubt he makes 9k a month before taxes. From everything I am seeing including estimates and what we do know, I think 7500k per month is a reasonable estimate. And I agree 25% is a more reasonable tax bracket for him. What we aren't factoring is the increasing interest rates and monthly minimums on those credit cards and business loans. I'd say a conservative minimum he is paying on all those combined is in the 600-900 range. Also Phil got a brand new 2017 car with some APR bullshit attached, also he confessed he was either getting a Hyundai Sonata or a Toyota Camry. Even at a 6 year finance term he is at least paying 500 a month, especially when he also admitted he put no money down for the car. Like him taking on two mortgages willingly, willingly taking on a brand new car and fucking financing it proves to me it doesn't matter how much money he makes, he will make bewilderingly stupid decisions to put him right back in the hole he loves digging.
