2026-11-04T19:34:19Z https://njump.me 21stfinancialadvisors https://njump.me/npub16x5pn4rcv0e8dqdxrljg3ugfqkxp70veaa08t4a2pp8pjs8aw6asquv39x https://blossom.primal.net/27cd8c29c292d5e15b4f9f1f6e026ff967a81fbdd07e47cfc4fbbb54f97e71a0.png https://blossom.primal.net/27cd8c29c292d5e15b4f9f1f6e026ff967a81fbdd07e47cfc4fbbb54f97e71a0.png https://njump.me/nevent1qqsxhtfre7kyl0dcm9c99nqe72lgv7d3u5d6t8e8rj8jcjgef77c3vqzyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkzmjxcl $100,000 in a 10-year U.S. Treasury at Monday&#39;s 4.88%: $4,880 a year, backed by the U.S. government.<br/><br/>The same $100,000 at Monday&#39;s prices and current dividend rates:<br/>STRC (12%): about $12,000 a year<br/>SATA (13%): about $13,300 a year<br/>SATS (15%): about $15,700 a year<br/><br/>Strategy and Strive currently treat STRC and SATA dividends as return of capital. In a taxable account, that lowers your cost basis and defers the tax, usually until you sell. Treasury interest is taxed federally every year.<br/><br/>Those preferred dividends have no government backing. Boards can suspend them, the shares rank behind any company debt, and prices move. A dividend rate is not a return.<br/><br/>Sources: <a href="https://www.strategy.com/strc">https://www.strategy.com/strc</a> <a href="https://www.strive.com/treasury">https://www.strive.com/treasury</a> <a href="https://www.nasdaq.com/market-activity/stocks/strc/historical">https://www.nasdaq.com/market-activity/stocks/strc/historical</a> <a href="https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&amp;field_tdr_date_value_month=202611">https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&amp;field_tdr_date_value_month=202611</a><br/><br/>Accounts managed by 21st Financial hold positions in securities mentioned in this post.<br/><br/>Educational content, not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota.<br/><br/>#Bitcoin #DigitalCredit<br/> <img src="https://nostr.download/5b74b307c803e22f5f32522414d6754c6ff64e037566b5443b310c64b40151d7.png"> 2026-11-11T18:43:07Z https://njump.me/nevent1qqsvcvux6d365uwhk2a8lplvkzr32nxhpqaa0f40lp4a2yrfdrr22wszyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkmpv2xh Strive paid the first SATS dividend on November 9th. Starting November 10th, it pays one every business day.<br/><br/>$0.0658 a share for each business day from November 10th through November 30th, 13 payments. The rate is 15.00% a year on the $100 stated amount. A dividend rate is not a return; the share price moves.<br/><br/>$100,000 at Monday&#39;s $95.50 close is about 1,047 shares, or about $15,700 a year in dividends at the current rate. The same $100,000 in a 10-year Treasury at Monday&#39;s 4.88% pays $4,880 a year, backed by the U.S. government. SATS dividends are not.<br/><br/>Strive held about 43,000 bitcoin as of October 23rd. It says it expects to fund these dividends mainly by raising new capital.<br/><br/>Sources: <a href="https://www.sec.gov/Archives/edgar/data/0001920406/000162828026066608/asst-20261021.htm">https://www.sec.gov/Archives/edgar/data/0001920406/000162828026066608/asst-20261021.htm</a> and <a href="https://www.sec.gov/Archives/edgar/data/0001920406/000095010326016137/dp255515_424b5.htm">https://www.sec.gov/Archives/edgar/data/0001920406/000095010326016137/dp255515_424b5.htm</a><br/><br/>Accounts managed by 21st Financial hold positions in securities mentioned in this post.<br/><br/>Educational content, not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota.<br/><br/>#Bitcoin #DigitalCredit<br/> <img src="https://blossom.primal.net/6cf0477044e337d8f2346bdfa4dc51f41609f802d27c3d15655941ba28a7794d.png"> 2026-11-10T18:54:12Z https://njump.me/nevent1qqswkkxw3f20eh7upkzwqveufu99fwmnhluvygvpzlm7elk8avxgetszyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkyelve5 A custodial account (UTMA or UGMA) goes in your kid&#39;s name and you run it. Once they hit the age your state sets, it&#39;s theirs.<br/><br/>If they have a real job, a custodial Roth IRA works too. Mowing and babysitting count, allowance doesn&#39;t. The 2026 limit is $7,500 or what they earned, whichever is less.<br/><br/>A kid learns more from investing their own summer-job money than from any lecture.<br/><br/>Source: <a href="https://www.accountingtoday.com/news/irs-ups-limits-for-401k-and-ira-contributions-in-2026">https://www.accountingtoday.com/news/irs-ups-limits-for-401k-and-ira-contributions-in-2026</a><br/><br/>Educational content, not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota.<br/><br/>#Bitcoin #Parenting<br/> <img src="https://blossom.primal.net/0293d3623249b00a6b89f46d1db7eff16d2e49c3c30df48303635ab1e65d183e.png"> 2026-11-06T22:56:51Z https://njump.me/nevent1qqsdrx2an53nhma67shw3tug7fckj282dkep4svq44r9kqt6g5qeh3szyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkz02fpp In 2022, the most widely used U.S. bond index lost 13%. That&#39;s its worst year in records going back to 1976.<br/><br/>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&#39;re taxed. I know so many people who aren&#39;t able to retire because they&#39;re saving in the wrong things.<br/><br/>If you hold bonds or bond funds, I&#39;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.<br/><br/>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&#39;ll tell you that.<br/><br/>There&#39;s no fee and no obligation. Your accounts stay where they are. Book a time by Monday, November 16th, and we&#39;ll set up a secure way to share your statement.<br/><br/>Know someone sitting on bonds? Share this with them.<br/><br/>Educational content. Not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota. Accounts I manage hold Bitcoin credit securities.<br/> <img src="https://cdn.nostrcheck.me/6460af538ddc58ef3af7334f629bf89b08094611fe339b2937422965d4369e9e.png"> 2026-11-06T17:02:19Z https://njump.me/nevent1qqsf2gm5jf5m9mn4vy3twvm3qjjpra4f90fug9eqev5teyet2v0epaczyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtk4vzhte 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.<br/><br/>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.<br/><br/>That&#39;s the Cantillon effect, and most advisors have never heard of it. They won&#39;t touch Bitcoin or the Bitcoin credit now being refined from it, because neither is in the model portfolio, and that&#39;s the gap we started this firm to fill.<br/><br/>Sources: <a href="https://www.nar.realtor/infographics/profile-of-a-first-time-home-buyer">https://www.nar.realtor/infographics/profile-of-a-first-time-home-buyer</a> and <a href="https://www.cdc.gov/nchs/data/nvsr/nvsr75/nvsr75-02.pdf">https://www.cdc.gov/nchs/data/nvsr/nvsr75/nvsr75-02.pdf</a><br/><br/>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.<br/><br/>#Bitcoin #SoundMoney<br/> <img src="https://blossom.primal.net/324e80ccb40d349b1972718511524b712105f4483c6896b02f196d2bfe12b74d.png"> 2026-11-06T14:54:04Z https://njump.me/nevent1qqs85csqxs5zg84846wef2xelzz7z53f4mk7v98xzyfs8h9aa36eh0gzyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkal8vsf 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&#39;s history back to 1971.<br/><br/>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.<br/><br/>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.<br/><br/>Sources: <a href="https://www.freddiemac.com/pmms">https://www.freddiemac.com/pmms</a> and <a href="https://freddiemac.gcs-web.com/news-releases/news-release-details/mortgage-rates-hit-new-record-low-first-week-2021">https://freddiemac.gcs-web.com/news-releases/news-release-details/mortgage-rates-hit-new-record-low-first-week-2021</a><br/><br/>Educational content, not investment advice.<br/><br/>#Bitcoin #Mortgage<br/> <img src="https://nostr.download/d3e140583a72752e87383c97d95d2fd54618fc44ccb7f68f3417e47bcd7fc98f.png"> 2026-11-04T23:17:35Z https://njump.me/nevent1qqsgrdc30g5ffsfwtv78922nc8ulkykvg94dt6zhrzxgtv405qequygzyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtk0my62v 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&#39;s history back to 1971.<br/><br/>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.<br/><br/>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.<br/><br/>Sources: <a href="https://www.freddiemac.com/pmms">https://www.freddiemac.com/pmms</a> and <a href="https://freddiemac.gcs-web.com/news-releases/news-release-details/mortgage-rates-hit-new-record-low-first-week-2021">https://freddiemac.gcs-web.com/news-releases/news-release-details/mortgage-rates-hit-new-record-low-first-week-2021</a><br/><br/>Educational content, not investment advice.<br/><br/>#Bitcoin #Mortgage<br/> <img src="https://cdn.nostrcheck.me/d3e140583a72752e87383c97d95d2fd54618fc44ccb7f68f3417e47bcd7fc98f.png"> 2026-11-04T22:49:07Z https://njump.me/nevent1qqszjvz8gk4fmhwss0sata968xdxguzpazlx0fll3knhc2tkqzdg76czyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkpzuu27 STRC touched $100.00 today, back at par for the first time since May. On June 26th it traded as low as $71.25.<br/><br/>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.<br/><br/>An issuer that stands behind its paper with real money while the price falls earns its credibility.<br/><br/>Sources: Nasdaq STRC price history; Strategy Q3 2026 results (October 29th) and 8-K (November 2nd).<br/><br/>Educational content, not investment advice. Accounts 21st Financial manages hold positions in securities mentioned here.<br/><br/>#Bitcoin #DigitalCredit<br/> <img src="https://blossom.primal.net/bca11548a3ccae9cde4113c606ecb785a048811aad60a883c93b55b0f863ddb2.png"> 2026-11-04T18:32:48Z https://njump.me/nevent1qqstucuhc7vlgv4qzhneecaafjjk0u5nhrq4rtr3fuh6nz6fv86w5fqzyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtknssgna You’re being robbed. Every single day.<br/><br/>Not by a person. By inflation.<br/><br/>Five years ago, $100 bought about what $78 buys today.<br/>Nobody took your cash. It just buys less.<br/><br/>That’s what inflation is. Prices go up. Your dollars buy fewer things.<br/><br/>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.<br/><br/>Meaning $100,000 in the bank isn&#39;t the flex you think it is...<br/><br/>The simple fix is owning assets.<br/><br/>Assets are things that can rise over time with prices:<br/>- businesses (stocks)<br/>- Bitcoin<br/>- gold<br/>- real estate<br/>- farmland, etc.<br/><br/>You don’t need to be a finance expert.<br/><br/>You just need to stop treating cash like a long-term plan.<br/><br/>Educational only. Not investment, tax, or legal advice. 2026-02-23T23:51:09Z https://njump.me/nevent1qqs9he5777a5fw9tt0fcgrdrcdxfulujrywu080s5agvragx9m6adnszyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkfrs5s7 Cash feels safe because the number never goes down.<br/><br/>But the buying power does.<br/><br/>That was true before March 2020.<br/>March 2020 just made it harder to ignore.<br/><br/>Inflation quietly reduced what $1,000,000 could buy.<br/>Bitcoin was volatile, but it rewarded the people who could actually hold it.<br/><br/>This is the gap I help close at 21st Financial.<br/><br/>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.<br/><br/>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.<br/><br/>That means portfolio design:<br/>- choose the level of volatility you can live with<br/>- decide whether you want cash flow or long-term growth<br/>- build a structure that reduces reliance on selling while keeping exposure<br/><br/>Educational only. Not investment, tax, or legal advice. Past performance does not guarantee future results.<br/> <img src="https://blossom.primal.net/abe06f4ea02e11465ae873152929861ae20daee0c9290ceb314321c1bbfa9f94.jpg"> 2026-02-18T17:46:55Z https://njump.me/nevent1qqsyjm0xgkpn7dspda0xrcy073mkzl4ll3d5a7gfzacsgjyn468y8tszyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtk4xwtd6 Most people think you only have two choices:<br/><br/>1. Own Bitcoin and accept the ride.<br/>2. Avoid Bitcoin because the ride is too much.<br/><br/>That’s a false binary.<br/><br/>Over long windows, Bitcoin has been the best-performing major asset (for example, 2014 to 2024, it ranked #1 in most calendar years).<br/><br/>But yes, it’s volatile. That part is not propaganda.<br/><br/>So the real question isn’t:<br/>“Do I want Bitcoin exposure?”<br/><br/>It’s:<br/>“How do I want to package that exposure?”<br/><br/>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:<br/><br/>- Bitcoin-linked preferred equity (potentially tax-deferred dividend income, typically lower volatility than spot exposure)<br/><br/>- Systematically selling options (harvests premium, can reduce realized volatility, and can fund cash flow)<br/><br/>So instead of “sell Bitcoin to fund life,” the framework becomes:<br/><br/>- Keep exposure.<br/>- Tune volatility.<br/>- Target cash flow.<br/>- Use the tax code correctly.<br/><br/>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.<br/><br/>Educational only. Not individualized investment, tax, or legal advice. Advisory services offered through 21st Financial LLC.<br/> <img src="https://blossom.primal.net/68f2745549713036dfa6c040913f1911f780d3e7c51ce1c1c08ba6fcaa76e743.jpg"> 2026-02-11T20:33:39Z https://njump.me/nevent1qqsvdneytyan6vkzu6cyrq3p6q7e8gkxdu6m9z3x6nqg7cnp46e60kqzyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkf2qvsy “Living on Bitcoin” is a portfolio design problem.<br/><br/>People say “If you live on Bitcoin, you have to sell Bitcoin.”<br/><br/>In public markets, there are multiple ways to:<br/>- target cashflow<br/>- keep directional Bitcoin exposure<br/>- reduce custody concentration<br/>- reduce volatility relative to spot<br/><br/>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.<br/><br/>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.<br/><br/>If you are living off your assets, forced selling is the enemy.<br/>Portfolio design is the solution.<br/><br/>Educational only. Not individualized investment, tax, or legal advice. Advisory services offered through 21st Financial LLC. <img src="https://blossom.primal.net/b3c92a6a9308a0d73d961a4cba4e8a739805c28d0b78f6ab3e5e3a97ced2f959.png"> 2026-02-10T23:54:03Z https://njump.me/nevent1qqstchj8jspew20h39kdzr9v7p7mn7fu5qlp0w8x8m28kkpdedsar4gzyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtky8v7ul Gold briefly traded above $5,300/oz overnight. When confidence in fiat weakens, people move toward hard assets.<br/><br/>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.<br/><br/>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.<br/><br/>Gold is responding to the system breaking, while Bitcoin was designed for it.<br/> <img src="https://blossom.primal.net/239cbc22995eb4c7b01ae8f001e941d7587457ce53ae68e7708909258758dea9.jpg"> 2026-01-28T12:52:48Z https://njump.me/nevent1qqsx2ecflgzv6n08yupq7fw98ppxlavydgzsun2ekjyng3ecstlc8gczyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtk5renxt Gold above $4,800. <br/> <img src="https://blossom.primal.net/0d061abe60099c5f1833161429faa2680d4944e03e2cd1d989273528a7d7e5f5.jpg"> 2026-01-21T22:23:04Z https://njump.me/nevent1qqs927dykwge0fk8f4cxfk3rymhvkdjmqjqn7ferxd6ksajpsugzx6szyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkw69vqt Spot gold and silver reached new all-time highs today, with gold trading around $4,600/oz and silver near $92/oz.<br/><br/>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.<br/><br/>Producer prices measure inflation at the wholesale level, and sustained increases can signal ongoing cost pressures working their way through the economy.<br/><br/><br/><br/>Market data shared for informational purposes only. Past performance does not guarantee future results. This is not investment advice or a recommendation. 2026-01-14T14:53:12Z https://njump.me/nevent1qqstn93gc8mq6k9f56nqhfpxhka8zqalqqx647ucm3cg8zm8md56r2gzyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkf697kt You don’t have to go down with the ship.<br/><br/>The U.S. bet on debt and dollars. You can bet on hard assets and freedom.<br/><br/>Invest with 21st Financial — and profit from the chaos instead of being crushed by it.<br/>nostr:nevent1qqsww6g0u7pq6wg2hh0nwkthz0f9dhyznhjxee7mnn7hka5r5y9frqspzemhxue69uhk7unpdenk2urfd3kx2u3wdaexw4w5a9f 2025-10-13T16:24:20Z https://njump.me/nevent1qqst6suuyxef5hdk4jhptmh67xtxegpfr8w8qw0x68cxetw9jm3mhaczyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkpfc982 CENTRAL BANKS MAY HOLD BITCOIN BY 2030: DEUTSCHE BANK<br/><br/>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. 2025-10-07T15:15:28Z https://njump.me/nevent1qqsturvl3q7zdxzh6p6xp4ea6t7pvsf8twtz03sd5au2pu8p6j9ym0szyrg6sxw50p3lya5p5c07fz83pyzcc8ean8h4uawh4gyyux2ql4mtkjddtuf <br/> <img src="https://blossom.primal.net/7be6ce4b006e6dfa2fddeaf0dcbe6eadcbfc625788410de1cad544e1743e3c67.jpg"> 2025-10-07T00:42:56Z