Kiwi Farms

I just looked through his income section in this subforum, and it's not like he's making a small amount of money. Not to mention Phils Finance degree from Fairfield U, which is a pretty solid school.
It's pretty clear that Phil is not inherently an idiot on paper, not to mention got a full College education on how to NOT do what he's currently struggling with.

Maybe there's some examples I'm missing? I just don't understand where all his money is going and how he dug himself in this hole when he has knowledge on Finance/Accounting, budgeting, etc.
Is there anything he mentions in his streams that exemplify his poor spending habits?


Apologies if my formatting or question is shitty, or this has been asked before. Still trying to get the hang of this forum.