DarksydePhil / TheyCallMeDSP / Phil Burnell - General Discussion

[Il_Duke]

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.

Solid math. I could swear his minimum payments going up had something to do with an usury law that was passed in Washington, but it's hard to find the specifics since they passed a restrictive Gun Control ballot measure last week, that's dominating the news cycle. He could also just have passed some debt threshold.

Let's assume August 2015 as the first time he had to dip into his credit line - when he was first suspended from Twitch and (allegedly) had his CPM cut from Machinima. A 25k credit card debt assumes he put an average of $550 a month on plastic from that month forward. It seems high, but I wouldn't be surprised by it, and it's actually not that unreasonable if you assume he's taken other hits that forced him to throw more on credit since then (other copyright strikes, leaving Machinima, his Curse haircuts, etc.) it's totally reasonable. Might even drag him into the 40-50k window if he did absolutely nothing to cut back on expenses, which is believable when you assume how much of his expenses are 'hard' (2 mortgages, CC debt, utilities in 2 states, business / self-employed federal taxes) vs. 'soft' (honestly it doesn't seem like he's cutting down on these, either).

 

[Mr.PiggyOinkOinkOink]

Spoiler: It was his Astro A40 unboxing.

This cocaine theory is really dumb btw.

What in the actual fuck did I just watch. What the fuck was that T pose off camera for....come fucking on dave

 

[Sparkletor]

Solid math. I could swear his minimum payments going up had something to do with an usury law that was passed in Washington, but it's hard to find the specifics since they passed a restrictive Gun Control ballot measure last week, that's dominating the news cycle. He could also just have passed some debt threshold.

Let's assume August 2015 as the first time he had to dip into his credit line - when he was first suspended from Twitch and (allegedly) had his CPM cut from Machinima. A 25k credit card debt assumes he put an average of $550 a month on plastic from that month forward. It seems high, but I wouldn't be surprised by it, and it's actually not that unreasonable if you assume he's taken other hits that forced him to throw more on credit since then (other copyright strikes, leaving Machinima, his Curse haircuts, etc.) it's totally reasonable. Might even drag him into the 40-50k window if he did absolutely nothing to cut back on expenses, which is believable when you assume how much of his expenses are 'hard' (2 mortgages, CC debt, utilities in 2 states, business / self-employed federal taxes) vs. 'soft' (honestly it doesn't seem like he's cutting down on these, either).

According to lore, DSP maxed his credit out much earlier than 2015. The first time he did it was when he quit Wells Fargo and decided to travel the country playing Street Fighter and put everything on credit. He supposedly got pretty much out of debt before moving to Washington, but he put everything on credit again for the move. Plane tickets, transcontinental shipping containers for the furniture and items he kept, and brand new items to replace what he threw away.

 

[Mr._Blonde]

Wait. What was this about Kat moving?

 

[Cyber Bowling]

Keep in mind, any specific numbers we're getting from Phil are far from reliable. Even if Phil isn't outright lying about something, he leans heavily into hyperbole and exaggeration.

Touching on some other stuff that was thrown around regarding Phil's entertainment spending. His paypigs buying him games is a relatively new trend, at least on this level. I think most of his entertainment budget is spent on digital goods, like the wrestling network, whatever the playstation service is called, Netflix, etc. It's safe to say if there's a tier option for those services, Phil will pay the top tier payment option whether or not it includes services he needs or uses.

 

[actually]

Keep in mind, any specific numbers we're getting from Phil are far from reliable. Even if Phil isn't outright lying about something, he leans heavily into hyperbole and exaggeration.

Touching on some other stuff that was thrown around regarding Phil's entertainment spending. His paypigs buying him games is a relatively new trend, at least on this level. I think most of his entertainment budget is spent on digital goods, like the wrestling network, whatever the playstation service is called, Netflix, etc. It's safe to say if there's a tier option for those services, Phil will pay the top tier payment option whether or not it includes services he needs or uses.

We know the PSVue is just under $50 a month because he had his little freakout on-stream, when he stopped everything for about 5 minutes while he bitched about ACdyssey buying something until he realized it was the PSVue charge. WWE Network is $10 a month. Netflix is $11 a month. Hulu is included with Amazon Prime, so nothing for that (and having Prime makes sense for a person getting a decent number of Amazon home deliveries). So yeah, spending $71 a month on just those streaming services.

Sidenote: Phil currently sits at 537 subs. He has 90 gifted subs this month. Literally just shy of 1/5th of his current subs are gifted. Even fudging for subs gifted to regulars, Phil is sitting in the 440-460 sub range. Big yikes.

 

[thebonesauce]

We know the PSVue is just under $50 a month because he had his little freakout on-stream, when he stopped everything for about 5 minutes while he bitched about ACdyssey buying something until he realized it was the PSVue charge. WWE Network is $10 a month. Netflix is $11 a month. Hulu is included with Amazon Prime, so nothing for that (and having Prime makes sense for a person getting a decent number of Amazon home deliveries). So yeah, spending $71 a month on just those streaming services.

Sidenote: Phil currently sits at 537 subs. He has 90 gifted subs this month. Literally just shy of 1/5th of his current subs are gifted. Even fudging for subs gifted to regulars, Phil is sitting in the 440-460 sub range. Big yikes.

Funny, wasn’t he just taking about how he hit the 550 subs goal? Doesn’t look like it to me...

Did a bunch of people mass unsub or something?

 

[Adamska]

Solid math. I could swear his minimum payments going up had something to do with an usury law that was passed in Washington, but it's hard to find the specifics since they passed a restrictive Gun Control ballot measure last week, that's dominating the news cycle. He could also just have passed some debt threshold.

Let's assume August 2015 as the first time he had to dip into his credit line - when he was first suspended from Twitch and (allegedly) had his CPM cut from Machinima. A 25k credit card debt assumes he put an average of $550 a month on plastic from that month forward. It seems high, but I wouldn't be surprised by it, and it's actually not that unreasonable if you assume he's taken other hits that forced him to throw more on credit since then (other copyright strikes, leaving Machinima, his Curse haircuts, etc.) it's totally reasonable. Might even drag him into the 40-50k window if he did absolutely nothing to cut back on expenses, which is believable when you assume how much of his expenses are 'hard' (2 mortgages, CC debt, utilities in 2 states, business / self-employed federal taxes) vs. 'soft' (honestly it doesn't seem like he's cutting down on these, either).

I just assume that Dave's credit spiked that hard because he's a totally impulsive brainlet who tends to pay minimum and even skip pay debts to maximize what money he has right at that moment to spend on shit he doesn't need but wants because he's an insecure spoiled shit who thinks pricier = better. I mean, there's a reason he tried and failed to short sell the dumpster condo out in CT and magically found the money to make sure he doesn't get foreclosed.

 

[Wurstbrot]

Sorry for not reading the last posts here, probably a hot topic right now going on, but I have to leave my autism somewhere before I go to work which finances my whole life instead of sitting there and playing videogames and begging kids for money. Nothing I could do!
Perfect transition, as lately I'm very sick of his "Nothing I could do" moving-the-blame-to-elsewhere narrative. Of course it's super awful when he can't pay the bills and is very tight on money (if this is even true). Of course he has to find a way to solve this money problem, as this is instinct of survival (let's not talk about the methods he uses right now, they don't solve nothing long-term). But he acts completely as if he has nothing to do with it, as if this situation was unavoidable, also it's Tevin's fault. It pisses me off, quite frankly. It needs no fortune teller to avoid this exact situation, everyone with an IQ over boiled water (°C) would have seen that.
So who was it, if not Phil, who decided...

• ... to leave the condo and to buy a gout mansion on the other side of the country so you pay for 2 places?*
• ... to not inform himself about the Washington taxes?
• ... to choose from all the possible living places a way too big and gated place? Sounds expensive af.
• ... to not change his tax-specialist?
• ... to make "talking over videogames" his whole career? Sounds fragile af.
• ... to not lift a finger to improve "the business?

*) Here he could have a halfway good excuse but he never brings it up (the explanation of "you are stupid" has to be enough, gives him some amazing credibility). Wasn't his aunt or granny living there until she passed away? He could have blamed her. It could have been her idea (was not) that Dave should travel so far away he can't even visit the place and to pay for 2 houses at the same time. She would surely survive for the next 30 years or so he has to pay for the condo (was not). I bet his parents also invest in that place for this exact reason. However, for how long will they live?

The Guy sips on Fortuna's nipples to be this lucky, somehow he's still on board the MS Sinking Ship. And somehow he feels entitled to it instead of being humble as fuck that his piggies throw him one lifebuoy after another. There is no accomplishment of still being there, it's just a sad story of a captain who can't let loose of his broken fisher boat "Wolverine" he had for 10 years.

 

[Shick]

What in the actual fuck did I just watch. What the fuck was that T pose off camera for....come fucking on dave

Maybe mnemonics to help him get his dramatic voice going?

 

[kamekmagik]

Can anyone that knows more about finances than me confirm if Phil's claim about all his minimum payments *literally* doubling this year

Edit: sorry didn't see you guys were talking about this I didn't refresh the page Although if someone still wants to give a one sentence answer go for it

 

[FallGout]

Can anyone that knows more about finances than me confirm if Phil's claim about all his minimum payments *literally* doubling this year

Edit: sorry didn't see you guys were talking about this I didn't refresh the page Although if someone still wants to give a one sentence answer go for it

If he has racked up more debts or owes a new lot of money then yes payments will go up, they can also go up if you fail to keep to your agreed payment plans previously arranged.
Pretty tricky to give a definite answer without knowing the full extent of credit/debt he owes.

 

[Phalanx]

The cocaine theory is exceptional - he never leaves the house and communicates with no one bar a fucking horse heck he talked to potion more than Khat.

The tax slip really cemented what he was getting a year 100k, there is something definitely fishy about the tut scenario part of me thinks he did it to save face for his pride.

 

[actually]

Funny, wasn’t he just taking about how he hit the 550 subs goal? Doesn’t look like it to me...

Did a bunch of people mass unsub or something?

He got gifted enough to hit the 550 goal, which is another "DSP Tries It" that he doesn't actually have any idea for. So it'll be some dumbass thing like the fidget spinners. Money well-spent, KGhaleon, ya dumbass.

It's not gifted subs, as far as I can tell (only 1 gifted on the 12th and 1 on the 13th). Could just be people who didn't re-up on a day off? He did get 14 non-gifted subs on 10/12, so maybe it's that, assuming they have the same 3 day grace period gifted ones do.

Here's the sub list. You can spot-check on Overrustlelogs to see if they re-upped their subs this month yet.

Spoiler: 10/12 subs

# of gifted subs = 1
Gift Sub Recipients = ['flavonoskovitch (1)']
# of 4.99 subs = 15 by ['flavonoskovitch***', 'paladin_maxson', 'ladymorag', 'thespiccoli', 'thecanadasin1812', 'bloodbornenow', 'krauxxer', 'jaddf', 'laronwi66', 'brunis_martins', 'pseudonymousgamer', 'iamdragerdetv2', 'ziibrah', 'nemesis6799', 'nunya__bizness']

 

[kamekmagik]

Phil saying there's only one bush he wants to fall face first into gives us some terrifying details. Kat doesn't shave her vagina and Phil is a pussy eater. I don't think I believe the second though

 

[TheGoutinator]

Gin?

https://twitter.com/TheyCallMeDSP/status/1063345920928968704
http://archive.is/CUPUZ

 

[Keystone]

Gin?
View attachment 594213
https://twitter.com/TheyCallMeDSP/status/1063345920928968704
http://archive.is/CUPUZ

 

[Comma]

I've made a clip of the complete 3 min. section where you can see him in the reflection of the window in the original video, audio included (after this, he points the camera down so the window view is gone).


I don't know if it's because the blinders are making it look he's behind bars, but if you didn't know any better, you'd think you're watching a rambling madman who's in some kind of closed institution or whatever the fuck.

Phil is a weird man.

 

[samovski]

Gin?
View attachment 594213
https://twitter.com/TheyCallMeDSP/status/1063345920928968704
http://archive.is/CUPUZ

Now if that was me, I'd go talk to the woman I'm living with. You know, the one I'm constantly trying to make people believe is happily in a relationship with me.

I mean, who asks random people on the internet for emotional support over a loving partner.

 

[slacktauren]

I mean, who asks random people on the internet for emotional support over a loving partner.

Since this is my new favorite thing, I'm gonna guess... a T-posing sperg?