In regards to Phil's disposable income, the way Phil put it was that during his peak he had "fuck you" money where he could buy what he wanted and not have to worry. We saw him over the years blow through his money on all sorts of crap, as evidenced by his packed to the brim condo, his BMW, all the times he would brag about eating out, etc.. Things started to go south a bit in 2014 when Phil was no longer at his peak and he desperately wanted to move by the summer because he was actually running out of money. He took what he had and dumped it all into the move and the fat loan he got for the condo provided Phil with a bunch of money for him to spend on even more expensive goodies for his bigger, mature adult condo. Just watch those first condo tour videos, Phil is so happy to be showing off everything he's bought and talking about things he's going to buy in the future. Phil could keep this ludicrous spending habit up until the fan artwork copyright strikes against him, the renegotiated contract with Machinima, the adpocalypse/changing algorithms on YouTube, getting dumped by Machinima, getting dumped by Curse, the transition to full time streaming, and so on. He's had a ton of time and many opportunities to adjust his spending habit, but he simply can't give it up. Phil makes enough money to pay the bills, go out to eat when he wants and occasionally buy some piece of furniture or gadget he wants, what he doesn't have the money for is the really expensive things like multiple brand new BMWs, multiple night stays at trendy hotels 30 minutes from his house for staycations, regular vacations, new consoles and televisions on a whim, all the shit he actually wants. Phil is in financial trouble solely because of his lack of self control, his inability to plan ahead and his insatiable greed. Any normal person would be very comfortable making what he does. There's zero chance he would be streaming 6 days a week if he wasn't in the shit. At the same time, there's zero danger of him losing his condo or the power being shut off or having his heat cut off or any bullshit like that he's claimed. What Phil needs to do is cut back and develop an actual plan with a timetable for paying his debt off, but that'll never happen and he'll just beg every day until he dies of some heart disease before the age of 50.