21stfinancialadvisors / 21st Financial is on Nostr

Financial planning built around Bitcoin for everyday people.

We help individuals, families and small businesses plan for retirement, set up secure custody and prepare for Bitcoin's price swings.

21st Financial LLC is a fee-only fiduciary RIA, state-registered in North Dakota. CRD 338230.

Book a call at 21stfinancialadvisors.com/schedule

Last Notes

2026-11-06 22:56:51 GMT

A custodial account (UTMA or UGMA) goes in your kid's name and you run it. Once they hit the age your state sets, it's theirs.
If they have a real job, a custodial Roth IRA works too. Mowing and babysitting count, allowance doesn't. The 2026 limit is $7,500 or what they earned, whichever is less.
A kid learns more from investing their own summer-job money than from any lecture.
Source: https://www.accountingtoday.com/news/irs-ups-limits-for-401k-and-ira-contributions-in-2026
Educational content, not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota.
#Bitcoin #Parenting
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2026-11-06 17:02:19 GMT

In 2022, the most widely used U.S. bond index lost 13%. That's its worst year in records going back to 1976.
Bonds are supposed to be the safe part of a portfolio. A lot of people hold them inside a 401(k), an IRA, or a target-date fund without ever checking what they pay or how they're taxed. I know so many people who aren't able to retire because they're saving in the wrong things.
If you hold bonds or bond funds, I'll build you a financial plan for free and walk you through it on a call. It puts your bonds side by side with digital credit: what each one pays, how each one is taxed, and what can go wrong with each.
Digital credit is preferred stock issued by companies that hold Bitcoin, built to pay a regular dividend. It has real risks. Prices can swing hard, and dividends can be cut. If the plan shows your bonds fit you better, I'll tell you that.
There's no fee and no obligation. Your accounts stay where they are. Book a time by Monday, November 16th, and we'll set up a secure way to share your statement.
Know someone sitting on bonds? Share this with them.
Educational content. Not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota. Accounts I manage hold Bitcoin credit securities.
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2026-11-06 14:54:04 GMT

The typical first-time home buyer is now 40. Boomers hold 52% of U.S. household wealth. Millennials and Gen Z hold 11%. Women average about 1.6 kids, a record low.
You already know why. New money reaches the people who already own assets first. Everyone else gets the higher prices. Young people show up last, with dollars that buy less every year.
That's the Cantillon effect, and most advisors have never heard of it. They won't touch Bitcoin or the Bitcoin credit now being refined from it, because neither is in the model portfolio, and that's the gap we started this firm to fill.
Sources: https://www.nar.realtor/infographics/profile-of-a-first-time-home-buyer and https://www.cdc.gov/nchs/data/nvsr/nvsr75/nvsr75-02.pdf
Educational content, not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota. Accounts managed by 21st Financial hold Bitcoin credit securities.
#Bitcoin #SoundMoney
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2026-11-04 23:17:35 GMT

The average 30-year fixed mortgage rate was 7.24% for the week of October 29th, per Freddie Mac. In January 2021 it hit 2.65%, the lowest in the survey's history back to 1971.
On a $400,000 loan, principal and interest go from $1,612 a month to $2,726. Over 30 years, total interest goes from about $180,000 to about $581,000.
Lenders charge more when they expect each dollar to buy less over the life of the loan. Savers feel it from the other side: a down payment saved in dollars has to keep up with prices.
Sources: https://www.freddiemac.com/pmms and https://freddiemac.gcs-web.com/news-releases/news-release-details/mortgage-rates-hit-new-record-low-first-week-2021
Educational content, not investment advice.
#Bitcoin #Mortgage
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2026-11-04 22:49:07 GMT

The average 30-year fixed mortgage rate was 7.24% for the week of October 29th, per Freddie Mac. In January 2021 it hit 2.65%, the lowest in the survey's history back to 1971.
On a $400,000 loan, principal and interest go from $1,612 a month to $2,726. Over 30 years, total interest goes from about $180,000 to about $581,000.
Lenders charge more when they expect each dollar to buy less over the life of the loan. Savers feel it from the other side: a down payment saved in dollars has to keep up with prices.
Sources: https://www.freddiemac.com/pmms and https://freddiemac.gcs-web.com/news-releases/news-release-details/mortgage-rates-hit-new-record-low-first-week-2021
Educational content, not investment advice.
#Bitcoin #Mortgage
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2026-11-04 18:32:48 GMT

STRC touched $100.00 today, back at par for the first time since May. On June 26th it traded as low as $71.25.
In June, Strategy said it would buy STRC back under $100 and keep a reserve only for dividends and interest. Since then it bought back more than $2B of STRC, paid every dividend, and grew that reserve to about $4.8B.
An issuer that stands behind its paper with real money while the price falls earns its credibility.
Sources: Nasdaq STRC price history; Strategy Q3 2026 results (October 29th) and 8-K (November 2nd).
Educational content, not investment advice. Accounts 21st Financial manages hold positions in securities mentioned here.
#Bitcoin #DigitalCredit
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2026-02-23 23:51:09 GMT

You’re being robbed. Every single day.
Not by a person. By inflation.
Five years ago, $100 bought about what $78 buys today.
Nobody took your cash. It just buys less.
That’s what inflation is. Prices go up. Your dollars buy fewer things.
So if your money sits in cash for years, you are taking a loss in buying power, even if the number in your account never goes down.
Meaning $100,000 in the bank isn't the flex you think it is...
The simple fix is owning assets.
Assets are things that can rise over time with prices:
- businesses (stocks)
- Bitcoin
- gold
- real estate
- farmland, etc.
You don’t need to be a finance expert.
You just need to stop treating cash like a long-term plan.
Educational only. Not investment, tax, or legal advice.

2026-02-18 17:46:55 GMT

Cash feels safe because the number never goes down.
But the buying power does.
That was true before March 2020.
March 2020 just made it harder to ignore.
Inflation quietly reduced what $1,000,000 could buy.
Bitcoin was volatile, but it rewarded the people who could actually hold it.
This is the gap I help close at 21st Financial.
For Bitcoin-curious investors: you do not need to “go all in” to benefit. You need a position size and plan that fits your life.
For Bitcoiners: the goal is not just stacking. It is being able to fund life without selling the core holdings you plan to keep forever.
That means portfolio design:
- choose the level of volatility you can live with
- decide whether you want cash flow or long-term growth
- build a structure that reduces reliance on selling while keeping exposure
Educational only. Not investment, tax, or legal advice. Past performance does not guarantee future results.
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2026-02-11 20:33:39 GMT

Most people think you only have two choices:
1. Own Bitcoin and accept the ride.
2. Avoid Bitcoin because the ride is too much.
That’s a false binary.
Over long windows, Bitcoin has been the best-performing major asset (for example, 2014 to 2024, it ranked #1 in most calendar years).
But yes, it’s volatile. That part is not propaganda.
So the real question isn’t:
“Do I want Bitcoin exposure?”
It’s:
“How do I want to package that exposure?”
Because you can pursue Bitcoin-linked upside without taking the full spot drawdown profile by using structures that deliberately trade some upside for smoother outcomes:
- Bitcoin-linked preferred equity (potentially tax-deferred dividend income, typically lower volatility than spot exposure)
- Systematically selling options (harvests premium, can reduce realized volatility, and can fund cash flow)
So instead of “sell Bitcoin to fund life,” the framework becomes:
- Keep exposure.
- Tune volatility.
- Target cash flow.
- Use the tax code correctly.
If you’re a Bitcoiner who wants to diversify custody risk and you’re tired of the narrative that the only way to live is to sell, there are cleaner solutions than liquidation.
Educational only. Not individualized investment, tax, or legal advice. Advisory services offered through 21st Financial LLC.
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2026-02-10 23:54:03 GMT

“Living on Bitcoin” is a portfolio design problem.
People say “If you live on Bitcoin, you have to sell Bitcoin.”
In public markets, there are multiple ways to:
- target cashflow
- keep directional Bitcoin exposure
- reduce custody concentration
- reduce volatility relative to spot
This is not “crypto yield” like the FTX blowup era. This is institutional capital and publicly listed credit, supported by issuer cashflows and long operating histories. The risks are still real, but they are disclosed and regulated.
The point is not to chase yield at any cost. The point is to build a system where you are not forced to sell at the worst time.
If you are living off your assets, forced selling is the enemy.
Portfolio design is the solution.
Educational only. Not individualized investment, tax, or legal advice. Advisory services offered through 21st Financial LLC. https://blossom.primal.net/b3c92a6a9308a0d73d961a4cba4e8a739805c28d0b78f6ab3e5e3a97ced2f959.png

2026-01-28 12:52:48 GMT

Gold briefly traded above $5,300/oz overnight. When confidence in fiat weakens, people move toward hard assets.
Gold has done this job for thousands of years. It protects purchasing power. But it also has real limitations. Supply still grows every year. Moving large amounts across borders is slow and expensive. Verifying purity requires trust and equipment. Custody always involves risk.
Bitcoin was not created to dismiss gold. It was created to fix those weaknesses. Fixed supply. Instant global transfer. Easy verification. And the ability to self-custody without vaults or guards.
Gold is responding to the system breaking, while Bitcoin was designed for it.
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2026-01-21 22:23:04 GMT

Gold above $4,800.
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2026-01-14 14:53:12 GMT

Spot gold and silver reached new all-time highs today, with gold trading around $4,600/oz and silver near $92/oz.
The move follows fresh inflation data showing U.S. November PPI rising to 3%, the highest level since July and above the 2.7% consensus forecast.
Producer prices measure inflation at the wholesale level, and sustained increases can signal ongoing cost pressures working their way through the economy.
Market data shared for informational purposes only. Past performance does not guarantee future results. This is not investment advice or a recommendation.

2025-10-13 16:24:20 GMT

- reply

You don’t have to go down with the ship.
The U.S. bet on debt and dollars. You can bet on hard assets and freedom.
Invest with 21st Financial — and profit from the chaos instead of being crushed by it.
#nevent1q…5a9f

2025-10-07 15:15:28 GMT

CENTRAL BANKS MAY HOLD BITCOIN BY 2030: DEUTSCHE BANK
Deutsche Bank economists say Bitcoin could join gold on central bank balance sheets by 2030 as its role as a reserve asset strengthens. They cite growing legitimacy, deeper liquidity, and clearer regulation. Although Bitcoin’s volatility remains a concern, it has fallen to record lows. With its scarce supply and independence from governments, Bitcoin could offer diversification and act as a hedge against inflation and geopolitical risks. U.S.-led adoption could help it move beyond a speculative asset.

2025-10-07 00:42:56 GMT

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