Even with the new passthrough rate drop and everything? Jesus.
Imagine you're pulling in $90,000 as a Boeing, Microsoft, or Amazon Employee in Washington (which are, in Phil's eyes, the three companies that employ people in a 7 million population state). Imagine that you gross $3,750 per half-month, and you get the following taken out of your check:
Federal Tax: $450.00
Social Security: $227.50
Medicare/FICA: $53.20
You wipe your hands of that, and 60-80 dollars of a PPO/HMO, because you never see that, right? You take home somewhere around $2,950 and you wash your hands of it, and at the end of the year you file a 1040 and pull back 600 bucks and spend it on a TV or a Playstation and budget the rest of it out. That's what adults too.
Now, imagine you're Phil. Instead of taking home $2,950 and not having to worry about long-term risk, you're taking home $3,750 and your take home is much more significantly impacted. You're doubling your SSI/FICA input as 'self-employed' - that's $280 the average 'wage slave' doesn't think of. You're probably paying an extra $250 in health care per month just to avoid an ACA penalty. Over the course of a full year, you have $32,000+ of debts and obligations that the average employee never sees - costs that just come out of their Net Pay that they never have to consider. (
Now, imagine the average consultant, entrepreneur, small businessman with those obligations - he pulls 35 cents out of every dollar he earns over the course of a calendar year to pay for those obligations. If he's smart, he pays his federal taxes quarterly or even monthly - I won't spoil it for you. He's not smart. He melts down at a $11k+ Federal tax and $13,500+ FICA/SS obligation annually, and the last two years we've seen that in November/December since the IRS doesn't give a comfortable 3 month window for payments on self-employed businesses or S corporations that don't at least front part of their tax obligations quarterly. Again, none of this includes medical insurance payments, which are still heavily subsidized by an employer - get laid off and pay for COBRA coverage, you'll realize how much your employer drops in to your healthcare per year in America.
tl;dr: if you made as much as phil self-employed, you'd be paying $10,000+ in medical, SSI, and unemployment insurance that your employer covered. you'd also, unless you went out of your way to fuck yourself over, never see the federal tax obligation Phil's been neglecting to pay all year. Complain about him unfairly getting his adSense back, but remember that for every drop we pay into our retirements, Phil's dumping it into a black hole of a Rust Belt condo off of I-95;.
Edit: My original FICA/SS obligation assumed an employee contribution - as 'self employed', Phil doubles the Medicare and Unemployment contributions. I still don't feel comfortable talking about Washington B&O Tax, as I've seen 3 different rates Phil's 'business' could be taxed at. I get that he's thrown out specific numbers, but Phil Is A Liar.