This is just a prime example of Phil's shitty spending decisions. Probably a perfect one. I don't think he has any disposable income, but he STILL spends a ton of money on crap anyways. Its been said a ton of times and with a ton of examples that Phil can't save or budget at all, he's a spending addict and has shitty spending habits. And while I do think he's in a shitty financial hole, I think that what the paypigs are paying for is to not actually save him from the worst outcome, its just the maintain the lifestyle that he wants. It's why he won't sell his big house and go into a smaller one even though his house is worth like 50 grand or whatever. He wants a specific lifestyle and his paypigs have been maintaining it all this time, its just getting harder to maintain.
I think with the money he gets he could easily get himself out of the financial rut he can get himself in, it means making a few sacrifices like moving house and not paying for like 5 subscription TV things at once, but they're clearly sacrifices he won't make. He loves to spend. It's a little annoying when you think about it, he has all this money at his fingertips to save his financial trouble and set himself up for the future, but he does dumb shit like get out a credit card and put himself in more debt just to pay a month of PSVue. Then he goes to spend his money on stuff like 4K TVs because he "needs it" just like how he "needed" the overpriced $300 headphones even though his fans linked him some $50 headphones that did the same thing as the $300 ones he just automatically assumed the $300 ones would be "better" because its more expensive. The guy can't budget for shit.
I think if he went to a financial expert and went "Help me save my house, what am I doing wrong here? Why am I being drained of money despite getting up to 5 grand a month?" the financial expert would be like "First of all, what the fuck? Why are you spending the money on so much crap every month?" and then the Financial guy would tell him what to sacrifice to help save money and put him in the positive and he'd be like "NOOOO. I NEED IT. MUH BUSINESSSSS. THATS FOR UNWINDING. IF I DON'T UNWIND I'LL BE IN HOSPITAL FOR STRESS DOOD!" and all the other flimsy excuses like he gives on his stream.
I've said it before but Phil doesn't realise that all the money he makes isn't actually HIS money, it's his business' money. He takes all the money his business makes and blows it all on his lifestyle and personal shit, and never invests any of it back into his business, and never saves anything. If he makes $100 in a stream he just thinks that goes right into his pocket so he buys $100 worth of takeout and blurays that month. Really he should keep $50 of that for taxes, food and bills and whatever else, and have the other $50 for personal jollies.
Of course his debt is an extra layer of complication, but as you say he won't cut his cloth accordingly. Phil could easily afford to pay off his debt, keep streaming and live a comfortable life, but won't because he enjoys luxury too much. I wouldn't even argue the things you listed are "sacrifices", they're just luxuries you don't need. Like, I bought a PS4 Pro this month. If I wasn't able to afford it, I wouldn't buy it, but that's not me making a sacrifice. I still had a vanilla PS4. It wouldn't have made my life worse to keep the status quo, but I saved until I could afford it, and treated myself. Phil's problem is that he doesn't view treats as treats. They're not special to him. They're just what he expects from life. He could easily find a nice detached house in a suburb somewhere, but he has to have his gated community mansion. He could easily save like $100 a month by cutting down on all his streaming services, but he has to have EVERY possible show in full HD even though he'll never even watch 99% of them. He could easily get some cheaper food, maybe even start buying from the reduced section, but he has to have his locally-sourced produce and takeouts whenever he wants.
Thing is, when he begs and whines about his finances, I don't know for sure that he realises how disingenuous he's being. I don't know that he realises his lifestyle is way, way above average. He's incredibly spoiled and entitled. Does he genuinely know how good he has it, or is his worldview so skewed that he actually thinks he's struggling at the breadline and there's nothing he can do, just because he can't afford a brand new car, a giant house, another home on the other side of the country, umpteen streaming services, new games and consoles on day 1, eating out all the time, and the rest of it?
I wish I could remember what the other shirts are that she gave him.