And that is why the begging and bitching about money is never going to end. This is also the same guy that cashed out his 401K at Wells Fargo - anyone that's a mature adult knows that if you cash out your 401K, you have to pay fee's on it, along with taxes, which depends on your 401K. If it's a regular 401K, yes, you have to pay taxes on that once you pull out, along with fee's. As I said before in another thread, if Phil was smart, that YouTube money he made when he rolling in cash, a good chunk of that should've gone into a 401K/Roth IRA/stocks/bonds/high yield savings account.
Once the bankruptcy was clear, Phil learned two things from the experience: jack and shit. He saw it as a way of "Dumb fucks, thanks for falling into my bullshit!" to get all of that debt wiped. Most likely, he's racking up debt again with HIGH interest credit cards, knowing that if he ever gets back into debt again, he can declare bankruptcy again. Do I see him falling back into debt again? Is the Pope Catholic? It's just a matter of time before he goes "Guys, I got some bad news! I got fucked yet again by a credit card company once again! I haven't felt this bad since I got fired from the helicopter company back in 2010...."