Phil is talking about how he has been discussing marrying Kat. He's currently playing a victim card about being called an e-beggar because he just wants to be with Kat...
But importantly, someone baited him and commented that Phil would not want Kat to inherit his debt. Phil corrected them (couldn't resist, I suppose) and said this only applies to debt accrued while you are together, like a mortgage that has both names, and therefore this would not apply to Kat should he marry her. This was one of his core excuses for why he could not marry Leanna. So... was he smoke-screening Leanna and using this as a BS reason not to marry? Or did he dip into Leanna's credit to execute the move an didn't want to have to combine their debts should they break up?
Phil was also just talking about the rumor that someone saw him in Ikea, said 'hi', and Phil ignored him. Phil said he had no idea if that was true, he and Kat have been to Ikea twiiiiice? (read with Phil-inflection), that he would totally say 'hi' to someone who approached him, and that IF it were true, the guy must have not said it directly to him, or said it so quietly that it didn't matter. Phil was then saying 'who fucking cares' and that if you see a Youtuber (?) in person and you say hi and they don't reply - and then he cut himself off to exaggeratedly react to finding an entrance in the game unexpectedly. Phil then changed the subject. So I'm going to say the Ikea story is true, and if is not true, then something exactly like that happened. Because this answer was suspect as hell. Why not just say "If that was the case, I didn't hear him! That sucks!" and it's over. But THIS. We're on defense and offense at the same time, with no flat denial that it happened and then changing the subject before we dig too deep.