Because there is a yellow halo, itβs a sign of overwatering . You can hit decline, you and your plant can wait until the next time to water agai. Then it might stopβ¦. Keep us updated!?!?!?!?!?!?!?!??!?!?!? Hope it goes well!!!!!!!!!! ππͺ΄π΅ππ€
Is it in an aroid mixture? Philos are aroids and most of them like a well draining chunky soil. The yellow halo suggests the soil isnt drying out properly or is being overwatered. You'll need to treat with a fungicide to get rid of the fungus and check your roots for rot.