DarksydePhil / TheyCallMeDSP / Phil Burnell - General Discussion

[Il_Duke]

I keep seeing this "$1,000 a month on credit cards" people talk about. Is that what he's putting in in total, or just the minimum on the cards? It seems way more likely to me that once the Machinima money started getting cut, he didn't want to sacrifice any of his lifestyle and put the balance on plastic. Even if he just built up a few hundred bucks a month until his latest scheme brought the good times back (Phil-branded TIHYDPs, KOGayming, Curse getting him the income from 'detractor videos'), it adds up over time, and CC companies aren't going to stop offering credit to someone paying just the minimum. They like that more than the responsible guy paying the whole card off every month. They hate that Washington State raised mandatory minimum payments specifically to keep people from digging a hole they can't pay out of (And who just complained about having to "double his credit card payments"?)

Phil's just finding himself closer and closer to that 'tipping point' where the CC Lenders won't increase his credit lines. He thought he could roll them over into a HELOC once he paid off enough of the Washington Condo, but I doubt his credit's good enough if he was kiting payments on the CT Condo. The logical man bunkers down, sets up whatever payment plans he can, lives a spartan lifestyle until his head's above water. Phil assumes something/someone will just materialize to fix his debt issues like the piggies have for everything else.

 

[Heckler1]

I stop paying attention for a while, and people are coming up with coke conspiracy theories. Peepul, he's a narcissistic shut in, who spends 80% of his life in a dusty "office", and is grossly out of shape. I thought you all knew this by now?

 

[samovski]

I stop paying attention for a while, and people are coming up with coke conspiracy theories. Peepul, he's a narcissistic shut in, who spends 80% of his life in a dusty "office", and is grossly out of shape. I thought you all knew this by now?

Right? Not even a fun theory, simple fact is he's a cunt. Why people keep trying to essentially look for an excuse for his cunt behavior baffles me. Don't need to give him any more ammunition to use for his pity party. That's all this will accomplish.

 

[ZehnBoat]

the only coke phil would do is with rum

 

[Trap Card]

Which one was it? Heluva spot BTW, kudos.

Spoiler: It was his Astro A40 unboxing.

This cocaine theory is really dumb btw.

 

[FalsePositive]

Spoiler: It was his Astro A40 unboxing.

This cocaine theory is really dumb btw.

3 seconds into this and he lets rip the fastest t-pose I've ever seen. It's oddly timed in the middle of his sentence and he does it so fast as if he was trying not to miss his cue, all of this despite the fact that he technically isn't even recording himself.

Tism.

 

[Cpt_Autismo]

I think in one of Phil's money rants in the past 2 month. Phil talk about talking to the bank about restructuring his debt. With him saying that they turned him down because "he isn't budgeting his money right". From what I understand from this, is that they would be willing to work with him on his debt crisis if only he would be financially responsible with his money. They know his spending history and know that there is a lot of fat he could trim off to make higher payments, so he can build equity faster. But what do they know working in the financial services, Phil is valedictorian and has a degree in finance.

 

[thebonesauce]

I concede the theory. Maybe I’m just applying my own worldview to his symptoms. Apologies.

 

[LostMy1stAccount]

Okay, that’s all well and good... but he’s been able to comfortably afford that and various city excursions and other stupid luxuries a few years back... but despite the money continuing to roll in with twitch, YouTube, Patreon, and whatever other means he has to get money... but his begging has ramped up since then. I’m just simply proposing a theory to explain why DSP does what he does and why he’s constantly broke despite having everything he wants and needs. His erratic behavior isn’t some kind of mental illness because he can turn it off when he wants to.

He has to beg more because he probably pays for a lot of Khet's stuff now.
And he also is the kinda guy who would go to an expensive restaurant or a "mini-staycation" (remember the "my comcast modem wasn't plugged in"-incident?) on his day off.
Probably pays for Khet's "gym sessions" too.

 

[Kermit the Frog]

Phil can't keep anything a secret, yet we're supposed to believe he's been successfully hiding a cocaine addiction? Come on now, in all these years he would slipped up in some way. He's just a fucking weirdo that's picked up many odd, terrible habits from his hermit lifestyle. The T-pose (seriously wtf is going on there), the snorting, belching, the finger smelling, etc., it's all a result of someone (friend, coworker, family member, partner, even random people out in public) not being there to regulate his behavior.

 

[Sparkletor]

He has admitted to being addicted to 3 things. Cocaine is not one of them.

He said he was addicted to alcohol, gambling, and most hilariously, work.

 

[Cpt_Autismo]

The is no way for Phil to be an drug addict. An addict would need to meet a dealer on regular basis and we all know he doesn't leave the house and avoids human contact. Also he is too big of a Boomer to know how the dark web works to order online.

 

[Prince Lotor]

3 seconds into this and he lets rip the fastest t-pose I've ever seen. It's oddly timed in the middle of his sentence and he does it so fast as if he was trying not to miss his cue, all of this despite the fact that he technically isn't even recording himself.

Tism.

Holy shit, I'm fucking dying! The way his arms rocket up into a T-pose mid-sentence when he says the word 'unique' is pretty fucking exceptional, and then all the rocking back and forth and spinning around you can see him doing reflected in the sliding glass door is. . .special. 'tism indeed

Edit: He keeps randomly rocketing into T-poses, I can't fucking breath

 

[actually]

I keep seeing this "$1,000 a month on credit cards" people talk about. Is that what he's putting in in total, or just the minimum on the cards

Almost certainly minimums. Phil is a banker/credit card company's wet dream. He throws everything on credit and counts on windfalls to pay them off, apparently. Without those windfalls, he's stuck at best hitting minimums.

I concede the theory. Maybe I’m just applying my own worldview to his symptoms. Apologies.

It wasn't totally batshit, but Occam's Razor says it's more likely that he's just a drunk that has been racking up debt again buying and paying for dumb shit (like moving Kat out). I mean, instead of using the absurd $10k December 2017 money to pay off at least a large chunk of his taxes...he apparently put the entire $5k on credit. So now he's paying the $5k plus interest! And given his likely debt ratio, that interest rate is probably sky-high. My bet is that he got a card with some kind of 0% intro rate that has since ballooned into a higher rate.

Thought that just occurred to me--maybe he's not lying about his minimums all doubling. Between putting more shit on credit and (potentially) not making payments some months, his interest rates (and thus the required minimums) could have gone up.

 

[Commander Keen]

I wish Phil did benzodiazepines. Give him 10mg of Xanax and two shots of Tanq and let’s see a chill stream.

 

[Cult of the Dead]

Money's gone cold I'm wondering why..
I gout out of bed at all
Landscapers cloud up my window..
And I can't see at all
And even if I could leave this place
But your ax is near the wall
You remind me, that it is so bad,
It is so bad.....

 

[OneDaySon]

The most plausible theory is actually the most wackiest which is basically that yes, he IS that shitty of a spender and yes he IS that shitty with money. Its that simple. It makes him look dumb as fuck and ignorant after all this time, but it's DSP. He's just shit with money and should not be allowed near it. He probably thinks a budget is a bird you keep in a cage or something.

 

[thebonesauce]

I guess I’m just trying to rationalize his spending habits and the need for immediate tips even though he only had to wait another 24-48 hours to get it. And of course he begged right before his, “day off,” and his cronies are trying to justify it. I dunno about you guys but I’ve worked 7 days a week for sometimes months on end when jobs were short staffed. Could you IMAGINE him rejoining the work force and being mandated to work more than 5-6 days a week? He would fucking quit in a heartbeat. I’m just at a loss. I guess maybe paying off taxes and shit with credit cards to move Mr. Ed across the country with the money fans gave is a really stupid expenditure and he just keeps letting his money burn a hole in his pocket. I would LOVE to see a full house tour and see all the useless luxuries he has purchased and hear him whine and cry about hard work considering he has the cushiest job on the planet. The fact that he doesn’t just pop in for a night stream on a “day off” for 2-4 hours proves he isn’t in as dire straits as he said. I’ve practically lived at work before, jokingly asked my bosses for a cot, and this dude is SO MENTALLY EXHAUSTED that he has to take a day off of PLAYING VIDEO GAMES.

 

[Authentic Sauce]

Doing math here since Phil is over sharing again. He has said his credit card payments are over 1000 a month. A normal minimum payment would be 2% of the balances. At 2% and 1000 per month that puts his credit card debt at 50k. Now he did say his payments recently doubled, so let's say it's 4% now, that would be 25k of credit card debt. 25k is the likely minimum amount of cc debt he has. Since he said he pays over 1000 per month let's say it was 1500 per month, now total debt is 37,500.

At the lowest his cc debt is 25k, I suspect it's more because Phil is often bad with numbers and being accurate. He is probably paying quite a bit more than 1000 per month and his payments probably did not double. So my best guess is 1500 per month at 3% of the balance, gives a total balance of 50k. This is a very easy amount of credit for someone to get and sometime during the last tax saga he mentioned having his credit maxed out, so I believe 50k is very possible.

Also his minimum payments going up have nothing to do with interest rates. It's the credit card companies seeing him as more risky now.

 

[actually]

The fact that he doesn’t just pop in for a night stream on a “day off” for 2-4 hours proves he isn’t in as dire straits as he said.

Throw in his laziness, though. He got a gift of, what, 2000 extra viewers back on his birthday, and he literally refused to play even a single extra game of COD Blackout or PUBG or whatever battle royale game he was mainlining at the time. I know some of that was his fear of lack of control, but his mods would have gone into full lockdown mode on anything not toeing the line perfectly. He's basically been able to just beg for money and get all his shit covered (at least enough to keep going) up to now, and you know how much he hates changes, especially if he feels like it's working.

@Authentic Sauce , thanks for that payment rundown. Good well-reasoned information there.