Well, to be fair, it's not like Phil had a real gameplan to begin with, right?
Correct me if I'm wrong, but I remember him saying that he'd "stream for ten more years" or something like that, then look for a job. By then, he'd be near his 50s. And what's he gonna do then? Live off of the retirement? There wouldn't be any money left to retire with. He'd be right back to where he started once the money dries out.
Chances are he'd either walk back on that idea and stream for bits for the rest of his life, or he goes through with it, and goes back to streaming anyways. He had no plan B. So yeah, he's going to be doing exactly what he's doing now. Had he have gotten a decent 9-5 job or something that guarantees actual monetary security, then this would be a non-issue for him.
But he didn't. So I hope you enjoy old man Phil wearing vests and flopping around like a retard for bits and cheers.