Two brothers invested for 30 years. Brother One: $800K net worth, $12K/year income, still working at 65. Brother Two: $600K net worth, $54K/year income, stopped working at 58.

One has higher net worth. The other has time autonomy.

For 4,000 years, wealth has flowed from borrowers to lenders. Discover the creditor-debtor divide and which side you’re on—by choice or by default.

No hype. No promises. Just frameworks worth examining.

This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit thecreditedge.substack.com