DSP's Loan & Savings Company

[clownpiss]

Not to be high on schadenfreude but the fact that he has been running above expectation and is barely treading water signifies he's not gonna make it to 2020 as he has the last few years begging and getting by. The guy lives in his own head and told himself everything would/will be fine but it wasn't until recently (speaking from my perspective) that i realized that wasn't the case when it became apparent thousands of dollars in a day showed to be futile.

I think phil has known this but usually buries it in his mind and convinces himself otherwise, the times where he's said stuff like "i dont know what im gonna do man i need to win the lotto or something'" he was actually being honest. The part that justifies a lack of empathy for his situation is the reality that he could have changed all this, caught himself, had so many chances to be more responsible, and as others have said in this thread got lucky enough with his timing with youtube to get himself out of debt once. The ego displayed to think hes above any type of cutting back is about to catch up with him in a way he hasn't had to face since he started making money on youtube.

 

[Freshtodeath]

So how much income does dsp need to feel comfortable like jfc dude. You don't live in SF. He needs like a engineers's salary to not worry. This faggot would make 300k a year and still cry on twitter. The bank needs to kick his ass out and leave him somewhere.

 

[Agentsmith]

So how much income does dsp need to feel comfortable like jfc dude. You don't live in SF. He needs like a engineers's salary to not worry. This faggot would make 300k a year and still cry on twitter. The bank needs to kick his ass out and leave him somewhere.

Agreed. His credit card purchases must have really piled up - I think he said in his recent 'podcast' that he still hasn't paid for the furniture he bought on credit in 2014 (possibly hasn't paid back any of it)

I'd be interested to hear his response on how much he believes his base annual salary needs to be for him to 'survive'

I'm guessing maybe $150-175k a year??

 

[DerelictOnion]

Interestingly I believe the more money he gets the more he'll beg because the taxes will be higher. And as we all know his fans are charged with paying his taxes, he doesn't need to save money for them.

 

[ProdigalDuke]

Yeah I've thought about what amount would make Phil content, but then realised nothing will really accomplish that. Dude is so terrible with money he'd just find even more shit to waste it on, buy a bigger house, a better car, anything to compensate for what a shitty person he is.

That's why folk can never be truly jealous of him. Yeah you can envy the luck he's had and opportunities he's squandered. But the actual life he lives? Nah. Dude would be miserable as a millionaire and miserable as a pauper. He's just an angry, bitter little man who uses money to mask his many flaws and insecurities.

 

[BallBuster]

Agreed. His credit card purchases must have really piled up - I think he said in his recent 'podcast' that he still hasn't paid for the furniture he bought on credit in 2014 (possibly hasn't paid back any of it)

I'd be interested to hear his response on how much he believes his base annual salary needs to be for him to 'survive'

I'm guessing maybe $150-175k a year??

He’s still paying off 4+ year old furniture? Holy fuck. How is that possible? I just dropped 10k on brand new furniture and paid that shit cash and I don’t make close to what this cunt makes. Oh, wait, I have to be jealous of him right?

 

[Wing Zero]

He’s still paying off 4+ year old furniture? Holy fuck. How is that possible? I just dropped 10k on brand new furniture and paid that shit cash and I don’t make close to what this cunt makes. Oh, wait, I have to be jealous of him right?

Well he probably HAS paid it back by now...multiple times over due to his CC interest rates.

 

[James Smith]

DSP claims he's making "half" what he was making on YouTube before now that he's doing longer videos. Her claims that he's making $20 a day.

$610 a month on YouTube instead of $1-2K, the horror.

 

[Pargon]

DSP claims he's making "half" what he was making on YouTube before now that he's doing longer videos. Her claims that he's making $20 a day.

$610 a month on YouTube instead of $1-2K, the horror.

Soon he'll be downgrading from Hungry Man to Michaelina's.

 

[Wing Zero]

DSP claims he's making "half" what he was making on YouTube before now that he's doing longer videos. Her claims that he's making $20 a day.

$610 a month on YouTube instead of $1-2K, the horror.

On the bright side, that's still more than what he's getting a month on Patreon.

Soon he'll be downgrading from Hungry Man to Michaelina's.

Imagine when he has to downgrade to making his meals from scratch - then the detractors will truly be making him suffer.

 

[James Smith]

So basically DSP wants $1400 or so since he's doing this for 7 days.

I'd like to point out that 1.5% times $1400 is $106K.

If this tip goal shit is intended to wholly pay his January-due B&O taxes that means he made $106K last year.

Not that we have any proof that's what the tips goals are for. Just food for your brain.

Specifically said this will help with his state taxes due this month.

 

[Prince Lotor]

So we have more conflicting stories from Phil. Before she arrived Katherine's income was going to greatly relieve Phil's financial stress of paying for his house of cards all by himself. Shortly after she arrived he gave his 'Adults come with they're own stuff, she has her own debt' spiel as to why she was paying him almost zero for housing expenses. Then on the June 22 IRL stream Katherine IS giving him money, although Katherine seems like she's thinking hard about something after Phil says, "You help with money when I need help with that," but when Phil prompts her for anything she wants to say she just says, "No, I Agree. I Agree." A few months after this Phil said something like, 'Good news, with Kat working as much as she has been she said she'd actually be able to help out a little bit on bills.'

We really have nothing but speculation regarding the household's 2nd income. I'm still going with: She gives him almost nothing, what she does give him is pissing money to him. It's not enough to stop him from paying Overdraft fees multiple months in a row even though he was getting around or more than his average amount of money, and be scrambling with Tips goals in January, it's not enough to even be considered by Phil as money that would help him pay a single bill. She also doesn't seem to have anything saved up whatsoever from a year of working living rent and utilities free with a free car to drive, to be able to help with these bills Phil is so sick with worry about currently.

But JFC Phil is so bad at keeping a story straight, I'm as equally willing to believe she's paying sizeable amounts for lots of things and Phil is really just this bad with money and starting to get fucked on his debt.

 

[gaarashatan]

So we have more conflicting stories from Phil. Before she arrived Katherine's income was going to greatly relieve Phil's financial stress of paying for his house of cards all by himself. Shortly after she arrived he gave his 'Adults come with they're own stuff, she has her own debt' spiel as to why she was paying him almost zero for housing expenses. Then on the June 22 IRL stream Katherine IS giving him money, although Katherine seems like she's thinking hard about something after Phil says, "You help with money when I need help with that," but when Phil prompts her for anything she wants to say she just says, "No, I Agree. I Agree." A few months after this Phil said something like, 'Good news, with Kat working as much as she has been she said she'd actually be able to help out a little bit on bills.'

We really have nothing but speculation regarding the household's 2nd income. I'm still going with: She gives him almost nothing, what she does give him is pissing money to him. It's not enough to stop him from paying Overdraft fees multiple months in a row even though he was getting around or more than his average amount of money, and be scrambling with Tips goals in January, it's not enough to even be considered by Phil as money that would help him pay a single bill. She also doesn't seem to have anything saved up whatsoever from a year of working living rent and utilities free with a free car to drive, to be able to help with these bills Phil is so sick with worry about currently.

But JFC Phil is so bad at keeping a story straight, I'm as equally willing to believe she's paying sizeable amounts for lots of things and Phil is really just this bad with money and starting to get fucked on his debt.

IM AN AHNUST GUY, PEEPUL LIKE ME CAUSE OF MAH AHONESTY!

dude is literally a pathological liar

 

[Freshtodeath]

Listened to Tevin's restream of the podcast. Thought it was interesting that he says the value of his house greatly increased but at same time he says he refuses to sell it. If you refuse to sell your house then what is even point of the increase in value? You are apparantly in dire straights but you won't sell something worth a lot of money? I thought it over and he could stream from the CT condo while his Seattle house is on the market. He mentioned speaking to a mortgage broker. I can't even imagine the amount of cringing that person was doing. He's probably like "Wow who loaned this property to you in first place".

He mentioned having credit cards with promo rates expiring. This is absolute insanity. Why would he take such a big risk?

 

[Wing Zero]

Listened to Tevin's restream of the podcast. Thought it was interesting that he says the value of his house greatly increased but at same time he says he refuses to sell it. If you refuse to sell your house then what is even point of the increase in value? You are apparantly in dire straights but you won't sell something worth a lot of money? I thought it over and he could stream from the CT condo while his Seattle house is on the market. He mentioned speaking to a mortgage broker. I can't even imagine the amount of cringing that person was doing. He's probably like "Wow who loaned this property to you in first place".

He mentioned having credit cards with promo rates expiring. This is absolute insanity. Why would he take such a big risk?

Phil doesn't want "a lot" of money, he wants ALL the money. Knowing Phil, he won't sell the house unless it can pay off both his mortgages, all his credit card debt, fund the purchase and move to a new smaller house, and still leave him enough to be comfortable.

 

[Adamska]

Phil doesn't want "a lot" of money, he wants ALL the money. Knowing Phil, he won't sell the house unless it can pay off both his mortgages, all his credit card debt, fund the purchase and move to a new smaller house, and still leave him enough to be comfortable.

Smaller house? Pigroach? Don't make me laugh man.

He just likes giving that excuse because while he has no shame and can be bought, the Pig is often reluctant to part with things he puts meaning to. His manchild statue collection for example just takes up space, but because he plays with them like toys, he wants as much as can be gained from them. If they aren't bought at mint levels with some extra gin money he ain't sellin. Same applies to manchild mcmansion. Since this is a part of his 'big boy with a big job and big success' narrative, even considering selling it is taboo in his brain; doing so is failure and means those people who shittalk him are right. But... due to greed he will if the situation presents itself. The problem is he'd only consider it if house gets to its maximum value possible and more, and then refuse when it inevitably gets downgraded due to his lack of caring for it.

Pig don't wanna give his toys away and that's final.

 

[actually]

Phil doesn't want "a lot" of money, he wants ALL the money. Knowing Phil, he won't sell the house unless it can pay off both his mortgages, all his credit card debt, fund the purchase and move to a new smaller house, and still leave him enough to be comfortable.

It's very interesting how much stock he's putting in the home valuation. There's no guarantee that someone is going to want a middle-unit condo with likely mold damage for the tax value given. I know it's not likely to be appraised at much lower, but who knows what a proper inspection would turn up.

 

[Raven'sChild]

Okay...
A portion of D$P's expenses talliers have allocated to his reported 'business loans'. While it is reasonable that D$P could have received multiple 'business loans' seeing as he had a six figure income he could show to a bank, I still am of the mind that these don't actually exist or if they did, they have long since been paid off:
1) The only new purchases post move were business class internet, a loveseat and his new $3k PC. Even at $5k, after five years, this should be paid off if a loan was taken out to pay off the credit cards he used to purchase said items. Did he take out a larger 'business loan' to pay off the credit card debt incurred from moving/furnishing the WaKhando? If so, then would not said credit card debt no longer exist? ...unless he then racked up more debt on zero% promo rate credit cards to pay off the loan @.@

2) The soundproofing foam, new mic and green screen were reportedly Patron goal funded purchases. Can a crowd-sourced purchase even be considered a business expense when it is paid for with funds raised specifically for said items via donations? All the Patron's choice games fall under this designation as well. Is D$P committing Tax Fraud if he writes all these purchases off as 'expenses' ?

3) He refers to them as 'loans', plural. Loans to pay for what, games and monthly utilities? How can these be so expensive as to require a loan from a bank to pay for them while pulling in a six figure income?

4) D$P is known for his intricate use of language. I wager he got a 'Business Credit Card' thru his bank and terms debt accrued on this/these cards to be 'business loans'.

 

[Haunter]

Okay...
A portion of D$P's expenses talliers have allocated to his reported 'business loans'. While it is reasonable that D$P could have received multiple 'business loans' seeing as he had a six figure income he could show to a bank, I still am of the mind that these don't actually exist or if they did, they have long since been paid off

Phil revealed during his... Whatever the last big Info Dump was... Beg-A-Thon Pt. 3? That along with the "zero% promo rate credit cards", he'd taken out "Unsecured Loans": "Unsecured loans are loans that are approved without the need for collateral. Instead of pledging assets, borrowers qualify based on their credit history and income." (source) I'm guessing Phil just had to flash how much he'd been pulling from his recent Youtube glory days.

"Business loans can be secured or unsecured", so it may be possible his Unsecured Loan was a Business Loan. Among the other types of Unsecured Loans is "Personal Loans", "which you can use for any purpose you want". I still think the Personal Loan is more likely, but then again, I'm relying on the first Google search result to back this up.

 

[Raven'sChild]

Phil revealed during his... Whatever the last big Info Dump was... Beg-A-Thon Pt. 3? That along with the "zero% promo rate credit cards", he'd taken out "Unsecured Loans": "Unsecured loans are loans that are approved without the need for collateral. Instead of pledging assets, borrowers qualify based on their credit history and income." (source) I'm guessing Phil just had to flash how much he'd been pulling from his recent Youtube glory days.

"Business loans can be secured or unsecured", so it may be possible his Unsecured Loan was a Business Loan. Among the other types of Unsecured Loans is "Personal Loans", "which you can use for any purpose you want". I still think the Personal Loan is more likely, but then again, I'm relying on the first Google search result to back this up.

He took out one, two, nine some five odd years ago? How can they still be outstanding? What did he spend them on while continuing to rack up credit card debt?