In this episode of the On The Rise Podcast, host Jeremy Dyer sits down with Philip Ganz, president and founder of Next Wave Mortgage, with over 25 years of industry experience and more than a billion dollars in personal loan closings. Phil shares how he built a mortgage company on a digital land grab — owning over 155 niche websites — and why that strategy is beating AI rather than being beaten by it. He breaks down the difference between smart debt and bad debt, how to evaluate deals with brutal honesty, why lifestyle creep destroys more wealth than bad investments, and the timeless principle of knowing when to walk away. A candid, no-nonsense conversation for any investor or entrepreneur looking to build lasting financial success.