The Invisible Credit Tax

Imagine this for a moment. Two people enter adulthood with the same starting line.

Not similar. Identical. Meet Ethan and Lucas. They’re twins, 30 years old,

born minutes apart. They work the same job at the same company. They earn the same

annual salary: $75,000. They live in matching houses on the same quiet street, separated by nothing

more than a thin fence and a mailbox. They drive the same gray sedan, bought in the same

year, with the same mileage. From the outside, their lives are financial mirror

images. But over the next three decades, something strange happens.

Without buying anything extra… Without making reckless bets… Without blowing money on bad investments…