Ohmygods. Do you have any idea how accurate this is? I was literally thinking about this a few days ago, and I must say.. you pulled it off so perfectly. I mean, maybe Phil really is a psychic, and if he admits it.. well, not many would be surprised.
Okay, so I had this theory that.. Phan is just a part of their brand, and that it'll change once they decided that they'll move to separate homes? I dunno. Just came to me, but that would suck.
Also.. I know that people already discussed the "Knights of Wands" thing, but.. has anyone discussed about the "Three of Swords" thing? Like.. Phil will be involved in a three-way (or was it two-way?) relationship? It probably happened, to be honest. I mean, I'm just gonna throw this out there, so.. I have no idea when Stephen and Charlie became a thing, but I assume that it's before Phil met Dan. Soon after, Phil met Dan (and, imo, is pretty.. similar to Charlie back then), and they became a thing. I think the reason that Phil became attracted to Dan in the first place was because he found Dan and Charlie to be awfully alike, and that he used Dan as a replacement for Charlie, but Dan soon found a room in Phil's heart and stayed there. At first, Charlie is happy with his relationship with Stephen, supporting Phan all the way, until it slowly became messy and they broke up. Meanwhile, Dan and Phil were having a time of their lives that earned a bitter response from Charlie as he realized that he shouldn't have let go of Phil.
The relation of the "Three of Swords" in the above context is that Phil is confused on whether to let go of Charlie or not, to accept Dan or not. At first, he mostly thought of Charlie all the time, until he felt like that he was cheating on Dan, and actually gave an effort to recognize Dan as he is and not Charlie.
I'm sorry not sorry for this post. Just need to throw this ugly (unrealistic) idea out there.
Bolded part : YES YES, I always wondered about that too because the other prediction was that he was gonna meet somebody who's going to change his life or something like that, and it's somewhat true since he met Dan that year. So I wouldn't be surprised if that threeway thing is about what you theorised above !
edit : if people don't remember which video it was, the psychic thing starts at 2.25