Phil's income is really not "rich person" territory in 2026. I know people that work in IT, teachers, cops, nurses, city workers, etc., that make just as much, if not more, than him, once you factor in things like health insurance, retirement, benefits, etc. These people also usually have husbands/wives that make around the same amount. Meanwhile, Phil has Khet working at Plato's Closet part time. He also has an addiction to spending money and no financial management skills at all (lol Business Major) and lives in a very expensive part of the US.
Oh, and they don't have to worry about losing a whale and their income dropping by 33%. They just show up for work.