21stfinancialadvisors
21st Financial

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

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Last Notes

2026-11-10 18:54:12 UTC

Strive paid the first SATS dividend on November 9th. Starting November 10th, it pays one every business day.
$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.
$100,000 at Monday'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's 4.88% pays $4,880 a year, backed by the U.S. government. SATS dividends are not.
Strive held about 43,000 bitcoin as of October 23rd. It says it expects to fund these dividends mainly by raising new capital.
Sources: https://www.sec.gov/Archives/edgar/data/0001920406/000162828026066608/asst-20261021.htm and https://www.sec.gov/Archives/edgar/data/0001920406/000095010326016137/dp255515_424b5.htm
Accounts managed by 21st Financial hold positions in securities mentioned in this post.
Educational content, not investment advice. 21st Financial LLC is a state-registered investment advisor in North Dakota.
#Bitcoin #DigitalCredit
https://blossom.primal.net/6cf0477044e337d8f2346bdfa4dc51f41609f802d27c3d15655941ba28a7794d.png

2026-04-30 13:25:37 UTC

Bitcoin’s monetary policy is fixed in code. The block subsidy is currently 3.125 BTC per block and halves to 1.5625 BTC around April 2028. The 21 million supply cap is enforced by network consensus, not by a central authority.

2026-02-23 23:51:09 UTC

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.

2026-02-23 20:50:51 UTC

Does this sound like you?
You’ve got a regular job.
You’ve built a solid Bitcoin position.
And you want two things at the same time:
1. Keep meaningful Bitcoin exposure
2. Increase income flexibility so you can work fewer hours
Here’s a hypothetical.
A Bitcoiner shows me the plan he found online:
“Just sell a fixed percentage every year.”
It looks fine on paper.
Bitcoin is volatile. That is part of the upside. But it also creates sequence risk. If your income plan relies on selling, the year you need money could be the year prices are down significantly. Selling into drawdowns can reduce your long-term Bitcoin position.
In that scenario, you’re not “taking income.”
You’re selling into weakness.
And that can quietly reduce your long-term Bitcoin position over time. Even if Bitcoin eventually recovers in dollar terms, you may own fewer sats because you were forced to sell when prices were lower.
So instead, you design around it:
Maintain meaningful exposure, but target income using listed, liquid markets with defined tradeoffs, in a way that can reduce reliance on selling your stack.
At the same time, you keep meaningful cold storage, but reduce custody concentration risk so you’re not all-in on one setup.
The objective is to build an additional income source that may make it easier to work fewer hours and prioritize what matters: family, health, and living your life.
Because time is more scarce than Bitcoin.
Hypothetical example for educational purposes only. Not an actual client. Not investment, tax, or legal advice. Not a recommendation to buy or sell any security. Investing involves risk of loss.
https://blossom.primal.net/782b3f22a9683f44804bd442c9fe6219e8e90b2aeee334d9b224d7fea6b9cb33.jpg

2026-02-18 18:09:39 UTC

Social Security is not structured like a personal savings plan. It is a pay as you go system.
That matters, because pay as you go only works smoothly when there are plenty of workers paying in relative to the number of people collecting. That is no longer the world we live in. The worker to beneficiary ratio has been falling for decades, and the projection in the chart points to roughly 2.3 workers per beneficiary by 2035.
At the same time, benefits per worker have risen over time, even after adjusting for inflation, as the second chart shows. Fewer workers supporting more beneficiaries, plus a higher benefit load, is a sustainability problem. The math tightens.
Here is where people get confused, so let’s talk about the Trust Fund.
Where does the Trust Fund come from?
In years when payroll taxes collected are more than benefits paid out, Social Security runs a surplus. That surplus cash does not get invested in productive assets like stocks or real estate. By law, it is exchanged for special U.S. Treasury securities. Think government IOUs credited to the Social Security trust accounts. The government uses the cash as part of its general financing. Social Security holds the IOUs.
So the Trust Fund is not a warehouse full of money. It is mostly a record of how much the Treasury owes Social Security.
What happens when Social Security needs that money?
When benefits exceed payroll taxes, Social Security redeems those Treasury IOUs to get cash to send checks. But redeeming an IOU does not create cash out of thin air. The Treasury still has to come up with real dollars.
And there are only a few ways to do that:
- raise taxes
- cut other spending
- borrow more
- create new money
Now zoom out and be realistic about incentives.
Cutting spending is politically hard.
Raising taxes is unpopular and can push capital, businesses, and high earners to friendlier jurisdictions over time.
So the path of least resistance is usually more borrowing and, indirectly, more money creation.
That is the quiet tax.
Inflation is brutal for the very people Social Security is supposed to protect.
Why?
Because many retirees live on fixed monthly incomes. Even with cost of living adjustments, there is a lag, and their real world expenses can rise faster than the check. Groceries, insurance, rent, and medical costs do not wait for an annual adjustment.
This is why relying on Social Security as your primary retirement plan is not a plan. It is a gamble on politics and demographics.
Don’t treat Social Security like your foundation.
What to do instead:
- build your own retirement assets early
- create at least one additional income stream over time
- keep flexibility in retirement age and spending
At 21st Financial, we help clients build portfolios and plans that do not rely on any single moving piece.
Educational only. Not investment, tax, or legal advice. Not a recommendation to buy or sell any security.
https://blossom.primal.net/15ddd173b5b109a0f7861edd68f6b2580bd4110da0449ee403df704684822be1.jpg

2026-02-18 17:46:55 UTC

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.
https://blossom.primal.net/abe06f4ea02e11465ae873152929861ae20daee0c9290ceb314321c1bbfa9f94.jpg

2026-02-18 17:46:23 UTC

The 3 ways working Bitcoiners accidentally become forced sellers.
1. No liquidity buffer means no freedom.
Most people have conviction but no plan for short-term needs, so when life happens, the sale is not a choice, it is a requirement.
Car trouble. Medical bill. Taxes. A layoff. A move. A wedding. A kid.
If you do not have a high-yield, cash-equivalent buffer, Bitcoin becomes the emergency fund and the opportunity fund.
2. Leverage turns volatility into liquidation.
This shows up in a lot of forms: margin, personal loans, credit cards, “low monthly payment” financing.
It also shows up as gambling with leverage.
You can be right long-term and still get wrecked short-term when a payment is due, collateral gets marked down, or the market moves against you.
If you borrow against Bitcoin, you need a bulletproof plan.
Low leverage. Conservative assumptions. Clear rules for what happens in a drawdown.
If you do not have that, the leverage is the plan, and the plan is liquidation.
3. “Never sell” is not a plan if you cannot fund life.
LIVE! Live your life!
The only thing more scarce than your Bitcoin is your time.
Keep exposure, and build income with so you are not forced to sell.
That can look like:
- high-yield, short-duration Bitcoin credit instruments designed for cash flow with a smoother ride than spot
- using options in a disciplined way to generate premium income, with clear tradeoffs and risk controls, instead of gambling with leverage
That is portfolio design.
Choose a volatility level you can actually hold.
Decide whether you want income, growth, or some of both.
Use listed, liquid tools to structure it in a way that fits your life and your taxes.
This is where a fiduciary advisor can save you an insane amount of money over time.
Not by predicting Bitcoin.
By preventing the costly mistakes that compound against you for decades.
At 21st Financial, we help working Bitcoiners build a plan to hold through volatility, fund life, and stay in the game. In some cases, income can be structured in tax-aware or potentially tax-deferred ways depending on the account type and the implementation.
Educational only. Not investment, tax, or legal advice. Not a recommendation to buy or sell any security. Past performance does not guarantee future results.
https://blossom.primal.net/182e9bf750c5386c91769e68ea227b335af70c60083420c6d51b5a0eb5e1114c.jpg

2026-02-18 17:40:13 UTC

GOLDMAN’S CEO REPORTEDLY OWNS BITCOIN
A report circulating today says Goldman Sachs CEO David Solomon holds a small amount of Bitcoin.
Reportedly speaking at the World Liberty Forum in Florida, Solomon said his holdings are “very, very limited,” and that he’s not a Bitcoin forecaster, just an observer.
He previously described Bitcoin as volatile and speculative, and said in 2024 he didn’t see a clear use case.
Agree or disagree, the bigger point is simple: Bitcoin is showing up in more mainstream portfolio conversations.
At 21st Financial, we help clients build Bitcoin exposure that fits their life. That can mean prioritizing long-term growth, prioritizing income, or blending both, with volatility dialed up or down using listed, liquid instruments.
Educational only. Not investment, tax, or legal advice. Not a recommendation to buy or sell any security. Past performance does not guarantee future results.
https://blossom.primal.net/68ae842e45404c01e9eb65d1c537c55e2bc8cd4425579d01c8384621d5e41aa0.jpg

2026-02-11 20:33:39 UTC

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.
https://blossom.primal.net/68f2745549713036dfa6c040913f1911f780d3e7c51ce1c1c08ba6fcaa76e743.jpg

2026-02-11 20:32:52 UTC

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 (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.

2026-02-10 23:54:03 UTC

“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 UTC

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.
https://blossom.primal.net/239cbc22995eb4c7b01ae8f001e941d7587457ce53ae68e7708909258758dea9.jpg

2026-01-26 17:51:43 UTC

Strategy just bought 2,932 more BTC for ~$264 million, at prices near $90,000 per bitcoin.
Notably, a portion of that capital came from STRC preferred stock issuance, about $7 million raised through the ATM, alongside common equity.
As of January 25, 2026, Strategy now holds roughly 712,647 BTC, acquired for ~$54.2 billion at an average cost near $76,000.
Capital markets are being used, in real time, to convert dollars into Bitcoin.
https://blossom.primal.net/2896c2c4f6680b80649cb55f8fffc6c4de8e794a3ac4fa82c1276279722d2c68.jpg

2026-01-26 17:42:18 UTC

BlackRock filed for a new iShares Bitcoin Premium Income ETF, pairing Bitcoin exposure with income through covered calls on IBIT.
https://blossom.primal.net/28230e4b639643387fc222fd21c5e7bfca104fe46f73c3159e87c5ebb15c515f.jpg

2026-01-26 17:29:46 UTC

Spot silver rose as much as 11.9% intraday, marking its largest single-day gain since 2008.
https://blossom.primal.net/28ec8e2fab82160cc13f7d53856441d9ccca4ee325602f25e7efc65146a290c2.jpg

2026-01-23 15:44:56 UTC

Silver hits $100 per ounce.
https://blossom.primal.net/01b0acc2f8cfb095df6ef474cc1d16c008d93f1a28b1f6329c84dcd54c1c0016.jpg

2026-01-21 22:23:04 UTC

Gold above $4,800.
https://blossom.primal.net/0d061abe60099c5f1833161429faa2680d4944e03e2cd1d989273528a7d7e5f5.jpg

2026-01-14 14:53:12 UTC

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.

2026-01-14 14:44:48 UTC

When Bitcoin is denominated in Iranian rials (IRR), large price increases primarily reflect significant currency devaluation rather than changes in Bitcoin’s underlying supply.
This highlights how outcomes can differ depending on the unit of account. In periods of currency instability, the measuring currency itself may be the primary source of volatility.
Past performance does not guarantee future results. This content is not investment advice or a recommendation.
https://blossom.primal.net/7bc590cac9a4b9805ae1984aa45f71382ed1c861f763dc9231a75326362e2bb2.jpg

2026-01-13 13:33:28 UTC

Sometimes it’s not the asset that’s failing, but the currency used to measure it.
https://blossom.primal.net/ddc8c9aafadd029ba572a1ef11e39b9a02954083e0cdf2cc96c3919f5167b2f4.jpg

2026-01-12 15:09:10 UTC

One way to evaluate Strategy ($MSTR) is by looking at shares per bitcoin.
Shares per Bitcoin is calculated by dividing diluted shares outstanding by total Bitcoin held.
It is the inverse of “Bitcoin per share” and represents how many shares are backed by one Bitcoin on the company’s balance sheet.
Over time, this metric has declined, meaning:
- Bitcoin holdings have grown faster than share dilution
- Each Bitcoin now corresponds to fewer shares outstanding
- Existing shareholders have gained exposure to a larger Bitcoin balance per share, on a fully diluted basis
This metric does not measure stock price, returns, or future performance.
It simply reflects balance-sheet structure and capital allocation efficiency over time.
For investors analyzing $MSTR, shares-per-Bitcoin can be a useful supplemental lens when assessing dilution versus Bitcoin accumulation.
For informational purposes only. Not investment advice.
https://blossom.primal.net/1c58e27c7a95edc67804a267432114f177e72990ec141a542ecddab7a21e2166.jpg

2025-10-29 18:54:48 UTC

The Federal Reserve cuts rates for the second time in 2025, down 25bps to 3.75%-4.00%.

2025-10-14 23:29:30 UTC

Silver doubling in 6 weeks is not a sign of a healthy dollar.
https://blossom.primal.net/0feab705bfbdcc7475ea0b0d4c1b6ab9fc1e886f900264c1adb89211a91ecbf4.jpg

2025-10-13 22:49:25 UTC

For the first time since 1996, foreign central banks now hold more gold than U.S. Treasuries in their reserves.
https://blossom.primal.net/4b82965842d053181e9c0c2b8b7a25cf16409d9587dbe9ce8f32b7cf7b93cff3.jpg

2025-10-13 16:24:20 UTC

- 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 UTC

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 UTC

https://blossom.primal.net/7be6ce4b006e6dfa2fddeaf0dcbe6eadcbfc625788410de1cad544e1743e3c67.jpg

2025-10-06 18:59:55 UTC

The U.S. Dollar just made a new all-time low against Bitcoin.
https://blossom.primal.net/2bda43c217e0344907ea0971239dc8f15dc3fdaae069e91cf9422f01659fec45.jpg

2025-10-04 16:11:51 UTC

https://blossom.primal.net/b610b1d4834c7084dba1c1e273c5dae559c1d579583de0fdc235ec807f26fbd9.jpg

2025-10-02 16:01:31 UTC

BTC 120k
https://blossom.primal.net/f4ff943fd54e10220e0bb744b4a9e7a19c63f6156fd0bf5b0b159893bf167f68.jpg

2025-10-02 15:40:09 UTC

We’re 90% cheaper for 90% of clients. No account minimums.
Just fair, fiduciary investment advising — built for people from all economic backgrounds.
Our incentive is simple: help you grow into Qualified Client status.
Let’s get to work.
https://blossom.primal.net/f314e6c840065e7cbe2866c4da3ea6993f002766f2c2c66f4853b90a6897d676.jpg

2025-10-02 15:39:52 UTC

Imagine a baseball player hitting over .800 … or a football team winning the Super Bowl 8 out of 10 seasons.
That’s Bitcoin. The best-performing asset in most years.
And you don’t own any?
Maybe it’s time to find a new advisor.
https://blossom.primal.net/8aa1b282ca842d5ca2b793026a4d1ced495f333036f1a7988d16738d3c02678e.jpg

2025-10-02 15:39:29 UTC

21st Financial is the only investment advisory firm you’ll see on Nostr.

2025-10-02 02:00:28 UTC

21st Financial is the only investment advisory you’ll see on Nostr.