- Joined
- Feb 19, 2015
He will eventually have to pay tax on that big emerald seven donation and all the money for these fundraisers. It sounds like he's not setting any of it aside.
DSP's Loan & Savings Company
- Thread starter neger psykolog
- Start date
BallBuster
kiwifarms.net
- Joined
- Dec 28, 2017
Has he ever? He claims he can’t plan for future taxes. How the fuck is it hard to open a basic savings account, and deposit 10% of his monthly earnings every month into it? That’s literally all he has to do to be prepared for tax bills every year. Even if he is still short, he will only be short by 10-20% instead of 100%.
It’s to the point where making fun of him and calling him out on his lies are just too easy. His fans who believe all this garbage however, well, they are all lolcalfs at this point especially the ones who give him the money. I would say a blind man could see through his bullshit but that obviously isn’t true.
- Joined
- Jul 22, 2018
He can’t plan ahead because he wants to spend everything as soon as he gets it and more. To wit I would almost guarantee the credit card debt is going up, since he has said he only makes minimum payments and is unable to delay gratification. Plus he is so dead set on getting a HELOC I would bet he isn’t concerned about the debt increasing since it’ll all roll in to his mortgage and magically disappear, ready to be loaded up again. He’s setting himself up nicely for when the housing market, which is already cooling, makes him underwater on both of his condos!
- Joined
- Jan 6, 2018
During D$P's less than 'chill' Minecraft stream, D$P said that he "thinks" he'd need ~$5k to be able to be placed on a payment plan. Oddly enough, ~$5k is exactly what has been calculated to be left due after the E7 $12k. I propose there is NO need for a payment plan aside from using said imaginary monthly expense to aid in future begging. Marlintan hit the $17k on the head before D$P disclosed it. D$P claims to "think" he needs ~$5k to be able to be placed on a payment plan, BUT 17-12=5! I'll not even harp on his '...ummm, to be 100% safe I THINK I need ~$5k' during the Minecraft stream which took place AFTER he had received his PREPARED TAXES so he would know EXACTLY how much he owed/needed.
An additional $5k is what he needs to fully pay his 2018 taxes. This is why he seems so nonplussed by the looming April 15th deadline and why he's comfortable taking the week BEFORE April 15th off to go visit his parents instead of streaming for that desperately needed tax money.
I'm going to guess you got this info from drgnkiller, who seems to have once again misquoted what was said based on your statement. D$P said "...it would have to absolute worst case scenario where I know that things are going to get so financially bad for me for several months I can't pay my bills and shit in order for me to sell my house and use the profits from the house to pay back what I didn't for those f'n months." * He did not say he planned to not pay his bills.
* @52:15 of https://www.youtube.com/watch?v=N8zQEmIVH5I the money/taxes rant starts @41:37 and snowballs from there.
- Joined
- Jan 19, 2018
Maybe, but he's set it up to where if he doesn't get $5k, he's announced that he's basically fucked.
So what's the "fix" to come back from it, especially if he gets nowhere near the $5k (like, say, $1k)?
So what's the "fix" to come back from it, especially if he gets nowhere near the $5k (like, say, $1k)?
- Joined
- Aug 31, 2015
It's probably been said before but I think (thunk) his parents will spot him the difference between the 5k and what the paypigs raise during begathon electric boogaloo. Who knew that 'tismbux would be a career path for so many?
- Joined
- Mar 29, 2018
Look up where his parents live and tell me these are people that can afford to give their son thousands of dollars. Anything is possible I guess, but they live in a shitty-looking townhome.
- Joined
- Aug 31, 2015
Well with the re-fi he'll get the money to pay them back and pay down his bills dood. It's win-win (for Phil)
- Joined
- Dec 15, 2018
I think his claim is more to the effect of "he can't save any money because 100% of his gross income goes to paying bills". It's not that he doesn't know how to save; he's claiming that he can't save because of his bills.
- Joined
- Jul 22, 2018
You're right he's said several times everything goes to "basic bills," whatever the fuck that means.
- Joined
- Dec 15, 2018
Poor spending habits + rent for 2 condos + utilities + food + credit card debt + any money that goes to Kat.
Obviously not basic business expenses as he hasn't bought new hardware (or even a new keyboard) in years.
SkippyLongbottom
kiwifarms.net
- Joined
- Apr 2, 2017
It's very simple. He loves to spend shit with his credit card therefore he constitutes whatever used from it as bills. So really, he's saying he's going to buy random shit he doesn't need.
- Joined
- Jan 6, 2018
...except for letting slip that increases in income go toward "paying ahead" on his credit cards ( Salty Minecraft stream starting @41:44 https://www.youtube.com/watch?v=N8zQEmIVH5I&t=2497s ) and his well publicized dinning out 4x a month where sometimes they eat Breakfast, lunch and dinner out with meals reportedly costing $25-$30 per person. I honestly think he does Not know how to budget nor save money, period.His bank account was overdrawn not because he wasn't bringing in enough those months, but because his payments were arriving later in the month and D$P refused to contact anyone to request that his Due Dates to be moved to later in the month. 1st he said it was impossible to do when instructed by his chat to do so. Then he said it would take 3 months for the new due dates to go into effect...after talking to Khet, I guess and finding out that one can indeed request Due Dates be moved. Not sure if he ever acted on this. I know he said he couldn't wait 3 months for the change to go into effect, so he probably did nothing. Having moved Due Dates, the '3 months' is an admonishment to not rely on the change being immediate and to go ahead and attempt to pay on the old date until such time as the new date is displayed on your actual bill. I will at this time point out that one may partially pay a bill on/before the due date, paying the remainder later with no adverse effect having demonstrated a 'good faith' attempt to pay on time. D$P has said that he took 2nd streams off to 'pay his bills'. Thus I am guessing he doesn't have Auto-pay set up. How someone who claims to have a Business/Finance degree can write a check and send it out knowing there wasn't enough money in the account to cover all of them is beyond me and that person deserves to eat overdraft charges. Someone who knew how to budget/save would refrain from eating breakfast, lunch and dinner out that week and/or adjust their grocery list ( since he goes grocery shopping every week apparently) if they knew that they had a number of bills coming due and insufficient funds in their account.
D$P still has his landline phone and multiple subscription services as well as Pay-Per-View wrasslin shows he mentions frequently. He buys frozen pre-cooked, pre-cut chicken breasts strips. He purchases fresh bread ( brioche, chibata rolls and Hawaiian bread being mentioned as staples) , pico de gallo and soup from the deli. I'm going to guess his turkey pastrami for his after dinner 'snack' sandwiches are fresh deli cut as well. He brings home pre-formed chicken and turkey burgers. A good amount of his grocery bill could be shaved off by choosing less expensive alternatives as all the items I have listed here can easily be considered 'luxury' items when one's bills are overdrafting one's account.
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- Joined
- Jan 17, 2017
DSP claims he can't budget because he doesn't know how much money he will make in any given month.
I don't know what the fuck he thinks a budget is but it has nothing to do with your income.
I don't know what the fuck he thinks a budget is but it has nothing to do with your income.
- Joined
- Sep 29, 2018
That's a common problem I see with most people who can't handle their money. They have a card tied to their bank account, and they always have their card on them; so they put very little thought into what they spend on a daily basis. Gonna power level a bit, but it's relevant. I don't remember the book or who wrote it; but there's a book out there about money management and one of the things they suggest is to put your card somewhere safe, but never have it on you. Carry x-amount of dollars with you, and that's your spending money while you're out; food, gas, groceries, etc. Limiting what you have access to when you step out, makes you a smarter spender. The thing I do is I have a few different bank accounts; one is straight savings (I only look to admire the numbers), one is for bills, the other has my card attached to it. And with direct deposit being a thing, I don't have to do any work, it's all done for me and I can change it whenever I want. All it takes it a little will power and effort to not be completely fucking stupid if you don't jump in over your head in debt... which is what I know quite a few people do.
- Joined
- Dec 15, 2018
I can understand donating to his Patreon if you just want to give DSP $1/$2 a month, but don't want to go through the hassle of buying bits/subs on Twitch and/or tipping him on Paypal. Especially if you support other Patreons as well, because it all comes off your charge card once per month.
That's about the only reason though.
SkippyLongbottom
kiwifarms.net
- Joined
- Apr 2, 2017
He offers nothing behind his patreon which boggles my mind why people bother giving him money monthly that way. I gave a streamer/group 10$ for one month because they actually exclusive content behind their patreon full of content going 2 years back because it helps bypasses the youtube copyright and it was well worth it.
Can you say it was this the case for Phil's patreon? Most likely not.
BallBuster
kiwifarms.net
- Joined
- Dec 28, 2017
Not true! You’ll get a little badge under your name on his totally awesome not dead forums!
- Joined
- Dec 15, 2018
I agree. The only reason to give money through Patreon is if you've already got a Patreon account and are too lazy to buy bits.
- Joined
- Jan 19, 2018
Wait, so Phil has a '600 sub goal' counter posted for the month of April? What's the goal? I thought he totally wasn't going to post a goal because he needs to direct as much money as possible to tips for his taxes because sub money won't arrive in time to help? But he totally needs to hold a begathon and a birthday celebration stream to even begin to make a dent in his tax 'situation'. . .right before he takes a weeks vacation that 'it was my parent's idea to pay me to come see them'.
Even if he doesn't have the E7 money he still made $12K worth of room in his credit card debt with it ("it all went to bills! Basic fucking bills you idiot! I don't have any of that money!!!"), he already had all the money (or 'room' on his credit cards) he needed to pay his 2018 Federal Taxes in full and his parents already footed the rest to get Phil to fly out and see them. He's just going with the 'payment plan' lie because it sets up the narrative for his next tax begging lie where he's 'really, really, really going to get my house taken away', because he will cite the payment plan as why he couldn't possibly have made his 2019 Quarterly Estimated payments and now owes another $16K in full, all at once because the IRS won't put you on 2 concurrent payment plans. He will say, "It's naht my fault! YouTube fucked me again this year, just like they did last year, by not tripling my Q4 CPM."
He keeps ranting about how he depends on that increased YouTube Q4 CPM just to 'get by', well guess what Phil? Some fucking idiot paid you $12K extra in December which should have 100% made up for that and everyone saw it you fat fucking liar. Get fucked, your narrative makes zero sense and you've been lying about this situation since you started squealing about it in like late Sept/early Oct 2018 because at that time you still fully expected your Q4 YouTube income in November & December to pay for all this shit and someone actually gave you a comparable amount of money in that same timespan! You told us weeks ago what the amount you already had paid your 'Tax Guy' to prepare your 2018 Federal Income taxes because you've already paid them in full!
Even if he doesn't have the E7 money he still made $12K worth of room in his credit card debt with it ("it all went to bills! Basic fucking bills you idiot! I don't have any of that money!!!"), he already had all the money (or 'room' on his credit cards) he needed to pay his 2018 Federal Taxes in full and his parents already footed the rest to get Phil to fly out and see them. He's just going with the 'payment plan' lie because it sets up the narrative for his next tax begging lie where he's 'really, really, really going to get my house taken away', because he will cite the payment plan as why he couldn't possibly have made his 2019 Quarterly Estimated payments and now owes another $16K in full, all at once because the IRS won't put you on 2 concurrent payment plans. He will say, "It's naht my fault! YouTube fucked me again this year, just like they did last year, by not tripling my Q4 CPM."
He keeps ranting about how he depends on that increased YouTube Q4 CPM just to 'get by', well guess what Phil? Some fucking idiot paid you $12K extra in December which should have 100% made up for that and everyone saw it you fat fucking liar. Get fucked, your narrative makes zero sense and you've been lying about this situation since you started squealing about it in like late Sept/early Oct 2018 because at that time you still fully expected your Q4 YouTube income in November & December to pay for all this shit and someone actually gave you a comparable amount of money in that same timespan! You told us weeks ago what the amount you already had paid your 'Tax Guy' to prepare your 2018 Federal Income taxes because you've already paid them in full!