Born in Juneau, Alaska, Phillips graduated from Nome High School, in Nome, Alaska, in 1962. She then received her bachelor's degree in business education from University of Alaska Fairbanks. Phillips was involved in the mining industry. She also owned Quiet Sports Store and managed Wein Air Alaska, Phillips taught business education in Nome, Alaska from 1967 to 1969.
Political career
Phillips served on the Homer, Alaska City Council from 1981 to 1984. From 1984 to 1986, Phillips served on the Kenai Peninsula Borough Assembly and was involved with the Republican Party.