Destro1986
kiwifarms.net
- Dołączono
- 1 Sie 2018
I mentioned this in the begathon thread, but I'll give my abridged theory here. Phil is awful with money, he impulse buys like crazy and doesn't do any research. He thinks buying expensive things = status, so for the sake of his pride, he always gets the most expensive things whether or not he needs them, like leasing an expensive car when he barely leaves his house or getting a 4k tv etc. And, I'm sure he has tons of debt as well.
However, it's also clear he tries to hide how much money he makes. I don't think he's sitting on a huge pile of money or anything, but I think he does save at least some of it. With his taxes especially, I think he has the money to pay for them, but he's trying to paint a picture where he doesn't have the money because he hates spending anything when it isn't directly for him. He's capable of paying for his taxes, he just believes he shouldn't have to pay that much and wants to be compensated. His bit about having to get more debt or refinance his house etc. is just a guilt tripping act. He's trying to make it seem like he's not begging by presenting all these alternate solutions that he actually has no intention of doing. He wants to make his paypigs feel bad and think something like "Oh, Phil's not such a bad guy, he's willing to take these financial hits. It's the holiday season, lets help him out." Basically, he's trying to change the narrative so people aren't thinking "didn't this fucker just make thousands of dollars in tips? Hey wait, didn't he just post about going out for Kat, and if he's in such a dire situation why is he taking all these days off?" That's also why he mentioned his parents maybe being sick with a fatal case of oldness or something.
Once again, Phil is his own worst enemy though. As previously mentioned, Phil is someone who places his pride entirely on money and the things he owns. Phil wants to brag as much as possible and has little filter, so he ultimately ends up revealing he's lying without anyone having to do any investigative work to prove him wrong. One minute he's thousands of dollars away from being homeless, but then the next day he's boasting about getting a 4k TV or trying to get good guy points for flying his soulmaid out.
If Phil were honest, he'd be saying he has to spend 16k on something, whether it is taxes or debts or something else he feels like he shouldn't have to pay because sees these payments as beneath him.
See, I don't think he can pay his taxes. Not outright.
While Dave lies when it benefits him, his story about putting stuff on CC's this year rings pretty true, and doesn't benefit him as a lie.
I believe that he may actually be broke; I've known people who made comparable money to him who DIDN'T have two bad mortgages and haven't had as many cars as him who were living paycheck to paycheck with no savings at all. Hell I know people who made DOUBLE what he's making who were functionally broke. "Keeping up with the Joneses" is a real and prevalent thing.
I think that he typically has a few thousand dollars of slack in his credit cards and that's what he buys his junk with; and I also think it's possible that he's reached the end of his credit; nobody in the current environment is going to give him new cards, and nobody is going to up his limits.
Also, can we just talk about the fact that he still has no equity at all built up on the condo? He HAD to have gotten a high rate mortgage to still be completely underwater.
What I don't buy is that he's anywhere near being able to refinance his home; his credit has to be so much worse than it was when he bought the place, it boggles the mind to think that he could cut his payments by a significant amount without turning it into like a 100yr mortgage. Which nobody is going to give him.