Phil summed it up something like this on one of his videos, "Terry went for the bucks and I went for the ducks"
Phil still getting paid w/o dealing with NFL injuries. I'd say he made the right decision.
He went to try out for the Redskins one year. They had him doing some drills and some ducks flew over the practice field. He stopped and watched them until they went out of sight, turned to the coaches and said "This is not for me. Thanks guys but I don't think i want to do this." Walked off the field right then.
Not dumb, just dont know EVERTHING like EVERYONE on here.