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2026-11-06 14:54:04 UTC

21stfinancialadvisors on Nostr: The typical first-time home buyer is now 40. Boomers hold 52% of U.S. household ...

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.

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