Can’t Imagine What
When a partner is naturally an ungrateful person, then no matter what their significant other does, it will never be good enough. Phil was enjoying a cigarette outside when he overheard a woman who was passing by saying to her friend “I wish my husband had three instead of two”.
Because Phil’s mind is always in the gutter, he could only imagine what this woman was referring to. However, it’s very possible that this woman is just an ungrateful gold digger who wishes her husband had three (figures) instead of two in his bank account. But that’s just our assumption.