Financial planningfor a Bitcoinstandard
There’s an opt-out. We think it’s Bitcoin.
- Financial planning
- Investment management
- Bitcoin and Bitcoin credit
A fiduciary RIA in North Dakota. No commissions.
If it feels harder to get ahead than it used to, you’re not imagining it.
What cost $100 in 1971 costs this much today.
Workers produce 173% more. Pay is up 8.5%.
Families save less. 13.5% in 1971. 4.6% now.
Savings spiked in 2020, then fell below 2019’s level. Our view: printing money is a short-term fix that leaves savers worse off.
BLS consumer prices via FRED. 1971 = $100.
Our view Prices didn’t rise on their own. A government that owes $40T needs a dollar that’s worth less.
The debt is accelerating
Up about 100 times since 1971.
U.S. Treasury, year-end federal debt, 1790 to 2026.
The first $1 trillion took 191 years. The latest took 154 days.
Interest on the debt is now the #3 expense.
19¢ of every tax dollar went to interest.
The debt is bigger than a full year of U.S. output.
U.S. Treasury, Historical Debt Outstanding and Debt to the Penny.
Sources and method
- The live estimate uses U.S. Treasury, Debt to the Penny . Total public debt outstanding was $40,388,317,675,071.91 on October 15th, 2026 and $37,942,635,331,189.62 on October 15th, 2025. The difference divided by 365 days is about $6.7B a day, or $77,552 a second. The site checks Treasury for the newest figure every time it loads. The clock adds that average to the last published figure. It’s an estimate, not an official count.
- The same Treasury series first exceeded $39T on March 17th, 2026 and $40T on August 18th, 2026, 154 days later.
- For the first $1T, the Treasury’s Historical Debt Outstanding series starts in 1790 and shows $997.9B on September 30th, 1981 and $1.142T on September 30th, 1982. The House Budget Committee dates the crossing to October 1981. The chart uses the same Treasury series; values are nominal and not adjusted for inflation.
- Interest, defense and receipts come from the Monthly Treasury Statement , Table 9, fiscal year 2026 (October 1st, 2025 to September 30th, 2026): net interest $1,051.8B, national defense $965.2B, total receipts $5,403.3B, total outlays $7,395.8B. Interest divided by receipts is 19.5%. Largest outlays by function: Social Security $1,667.1B, Medicare $1,072.6B, net interest $1,051.8B, health $1,025.6B, national defense $965.2B.
- Debt to GDP comes from FRED, Federal Debt: Total Public Debt as Percent of GDP : 34.5% in the first quarter of 1971 and 122.6% in the first quarter of 2026.
- On the debt limit, the Treasury’s Debt Limit page says: “Since 1960, Congress has acted 78 separate times to permanently raise, temporarily extend, or revise the definition of the debt limit.”
- The 21 million Bitcoin cap and the issuance schedule are set by the Bitcoin protocol. The live count uses the latest block from mempool.space and the protocol’s issuance rules. Dates after today assume one block every ten minutes.
- Data retrieved October 19th, 2026. Past data, not a forecast.
I believe a government this deep in debt will choose a weaker dollar over default or painful cuts. That’s why I expect inflation to keep eating into dollar savings like checking accounts, CDs and bonds.
Charlie AndrysFounder, 21st Financial
Opinion about government and monetary policy. Not a forecast for any investment.
One number keeps growing. One has a limit.
Dollars: no limit.
Bitcoin: never more than 21 million.
We treat Bitcoin as part of a plan, not a bet. How much belongs in yours is a decision we make together.
RiskIts price can fall sharply. Limited supply does not guarantee value, and losing access can mean losing your money.
The 21 million limit is a rule every computer on the Bitcoin network checks. The live count comes from the latest block and Bitcoin’s issuance rules.
You can’t control the debt. You can control your plan.
Your plan, your investments and your family’s future, with Bitcoin as part of the foundation. Start with a 30-minute call.
Schedule a callStart your plan
Tell me what you’re working toward and what’s on your mind. In 30 minutes, we’ll talk through where you need help and what working together would cost.
Do I need to own Bitcoin? +
No. We can start with the basics and help you decide whether it fits.
What about my other investments? +
We manage traditional investments and retirement accounts too.
How do fees work? +
Financial planning is included in our annual advisory fee of 1.21% of assets under management. We don't charge a separate financial planning fee.
Setting up a multisig Bitcoin wallet, done together with The Bitcoin Adviser, is a one-time fee for our part: included for clients with $100,000 or more with us, $500 below that, and $1,500 for non-clients. The Bitcoin Adviser’s fees and hardware wallets are separate. You hold the keys.
Other investment expenses may apply.
We explain the services and cost before you agree to work with us. Read our current fees and services in Form ADV
What we’ll talk through
- What you’re working toward and what’s on your mind
- Where you need help
- What working together would cost
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