I'm no expert on book economics, but I'd be very surprised if there are a million copies of Phil's books out there. One of his is ranked #849 on Amazon, and the other #13,538. According to some guy named Morris Rosenthal (who appears to have studied the issue at great length), that translates into sales of about fifteen a day and about two a day, respectively.
http://www.fonerbooks.com/surfing.htm
That suggests that Phil is nowhere nowhere near a million-copy seller, even assuming that Amazon accounts for five per cent of Phil's sales. Keep in mind that the entire two plus two book sales (according to Amazon) are 400,000 copies.
Again, Phil could easily have a million cash stacked under a mattress, ready to gamble: I'm speculating here. I was really responding to the poster who threw out the idea of a million in cash as though it were an easy number to get to. It isn't, even for people with very very high gross incomes.