His 500 dollar Keurig when he doesnt even seem like he drinks coffee all that much.
Yes, but the conversation started out of speculating how much DSP's income would have to dip before he'd really be hurting, and the counter point was that he's well off so it could dip quite a bit. All I'm saying is that a lot of the money he's making is already ear marked for existing debt that he couldn't just stop paying on, which means that it wouldn't take that much of a dip in income to start hurting him. If he was spending thousands of dollars every month on one off luxury items (like fancy dinners or something) then it would be easier to cut those out to live below his means if his income suddenly dropped.
That, plus psychologically speaking DSP would probably rather die than reduce his standard of living.
I mean I think the whole, "he's well off even though he's spending on debt he already has" argument is based on the fact that he;s incredibly reckless with what he spends money on because he's like a child who never learned to think about it and budget so he just buys fancy shit because he "needs it", whether or not that money would already be earmarked to pay off debt or pay bills, because he's been so long living from month to month he doesnt consider that an issue.
He could theoretically do both, easily cut his luxury living from his life, and still be neck deep in debt that he has to pay off, even if his income took a hit because he's claimed to have been paying his debt with more debt. His quality of life would take a hit and he would be in trouble if his twitch money dipped, but he could reorganize and just start actually putting it towards trying to pay down debt if it came to that.
As it is, Phil thinks "disposable income" is literally disposable and that people do, are supposed to, spend it all instead of it really just being a euphemism for like "rainy day money", small events, vacations and trips, maybe just savings in general, money for an emergency-- basically a cushion.
I guess the argument is that, yeah he probably does live month to month, but he's still not poor. He doesnt have to live that way.
You forgot the headphones! REEEEEE!
And apparently a 4k tv? Why? Most things dont even use that resolution, I dont think cable services stream that, and it's not like he needs it, even for his business, because it's not gonna make him any better at video games. He's still gonna suck, get mad and throw something because it "dropped mah inputs"!