I'm 34 with a $4.3M net worth. The most valuable thing it bought me wasn't a Beamer or a Rolex. It was peace of mind. I'm right on the edge of real financial independence. At this point I'm basically coasting to around 40, then I'm out of corporate America. That changed how work feels. A tough boss, a client cutting us loose, a deal blowing up at the last minute. None of it rattles me like it used to. In the grand scheme it doesn't matter. Meanwhile I have colleagues who make a killing and spend every dollar that comes in. Range Rovers. Massive houses in Monmouth County. Country club memberships. Boats. From the outside it looks like they won. But they're handcuffed. They do whatever the company or the client says because they can't risk losing the job. Same industry. Similar paychecks. Completely different amount of freedom. I'll take the quiet brokerage over the loud driveway every time.

So fidelity provides me with a free financial advisor. But of course I’m not trying to ping him every day on random questions. That’s what I use Silvia for. Probably few times a week. Mapping out budgets for renovations, vacations, tracking spending etc

Strategy is proposing daily dividends on $STRF, $STRC, $STRK, and $STRD, accruing every calendar day, including weekends and holidays, and paid the next business day, with economics unchanged. The proposed changes aim to support price stability, liquidity, and demand.

⚡🟠SUPER THRILLED TO ANNOUNCE: The HodlHabit Fund now has 1 BTC. Whole Coiner Status Achieved! 🟠⚡ 0.00112271 BTC purchased for $93.73 USD at $83,482.44. This is purchase #193 of my HodlHabit DCA fund. Total stack: ₿1.0002 ($84,272 USD). Fund is currently +16.68% ($12,045 gain). Some fun facts on this journey: The first HodlHabit fund purchase was back on August 19, 2025. BTC price was $115,656, 0.009461 BTC purchased for $1,094. HodlHabit didn't even exist on X yet, I was purchasing once a month back then. HodlHabit debuted on X in November, started DCA'ing weekly in December. HodlHabit officially launched in March, and daily DCA started in April. Since inception, the fund was almost always in the red, except for April and May. After a couple more red months, it finally turned green in August. Average buy price across all purchases: $374. Smallest purchase ever: $41. Largest ever: $3,081. The fund's average purchase price is currently $72,150, but remember, this whole journey started buying at $115,000. HodlHabit exists to help more people take a long term, disciplined approach to Bitcoin. DCA'ing strips away the burden of chasing tops and bottoms. It's the best strategy to overcome the psychological biases that can wreck an investment plan. I use HodlHabit every single day. It keeps me on my plan, and it's helping hundreds of other Bitcoiners who've already subscribed. This journey has been amazing. Thank you to everyone who has been following @HodlHabit. Next goal? 2 BTC for the HodlHabit fund, and 2,000 Bitcoiners using the product, building their own charts, and taking back their financial sovereignty. The future is bright, and this is just the beginning. LFG!!! 🟠⚡

The era of always-on capital markets is here. Daily dividends, 365 days a year.

Strategy is proposing daily dividends on $STRF, $STRC, $STRK, and $STRD, accruing every calendar day, including weekends and holidays, and paid the next business day, with economics unchanged. The proposed changes aim to support price stability, liquidity, and demand.

I think much of the conversation around $STRC | $SATA and dividend rate(s) is missing a critical point: Proximity to Bitcoin and the respective issuers is central to understanding why $STRC (and $SATA) carry the highest stated dividend rates among the five Digital Credit offerings. The rate is not simply SOFR plus a spread. Strategy’s own guidance says they review trading levels, market yields, credit spreads, $BTC price and volatility, USD Reserve coverage, capital market conditions, and capital structure together. The dividend rate(s) compensate holders, in part, for risk in the capital structure that flows from $BTC and the respective issuer. The path of $STRC moving that rate from 9% at launch to 12% (as of September 2026), in my view, reflects that risk premium being discovered in real time. In the case of $SATA, I view the higher dividend rate as partly reflecting a different issuer risk profile: a smaller issuer with a smaller $BTC balance sheet. The key is the coverage that $BTC provides relative to the issuer’s obligations, alongside its liquidity. The rate (and frequency) are product features; I see the higher rate as compensation for the additional risk holders are taking. An offering with a 12% stated dividend rate does not necessarily attract the same investor cohort as a bank-issued preferred like JPM-PC or WFC-PL. These Bitcoin-derivative perpetual preferreds naturally appeal to a different cohort; one native to (and familiar with) $BTC risk, yield-seeking, and, in some cases, leverage. Which, ironically, is what @PhongLe pointed to as a contributing factor in $STRC volatility: they did not expect that amount of leverage to build up. The product isn’t broken; it’s finding market | cohort fit driven by the TAM of its investor base as it scales alongside the $BTC on the balance sheet, not by dividend frequency or rate alone. Over the same 215 sessions through September 18, both offerings closed in the $95–$99.99 band most days, with $STRC spending more time at or above $95 than $SATA did: 78.1% versus 69.8%. $STRC also spent more time below $90 [14.4% versus 5.1%], and that detail matters. This is consistent with the product finding the market cohort willing to hold a BTC-deriviative | BTC-linked pref. I don’t read it as evidence of a failed offering.

Right before my spinal fusion a few years back, my radiologist noticed my Bitcoin shirt. She grabbed a pen and wrote down a name: a fellow radiologist in Colorado. "Go listen to him on YouTube. Subscribe to his emails." That name was Dr. Jeff Ross. @FormerDrJeff I dug in and found a guy running one of the top-performing funds in the country on a Bitcoin standard, whose top holdings were almost identical to mine. I've been following him ever since. I listened to every podcast I could find, and he taught me macro from a perspective nobody else was offering. 2023–2024 were incredible years for me. 2025–2026 were not kind to my holdings. But I've read this book before. I think I know how it ends. And thanks in part to Jeff, I'm better prepared this time. Here's my playbook heading into the 5th halving 🧵 I keep at least half my Bitcoin in cold storage. But I can't ignore the opportunity cost of NOT owning $IBIT / $ASST / $MSTR options for late 2028. I'm too bullish. History rhymes. My goal is to grow my BTC. That's the hurdle rate. If that means buying LEAPS at $60K while everyone else sells, so be it. Carry the pain. Bring a parachute and an iron stomach. Options on treasury companies are fighter jets. You have to know when to strike and when to punch out. Up 5,000% in two years? Eject, land safely, and roll the gains into your North Star: your REAL Bitcoin stack. I say that as someone whose entire retirement portfolio is in $MSTR, $ASST, and $MTPLF. When BTC hits altitude at $200K+ and Strategy, Strive, and Metaplanet go parabolic again, there's zero shame in coming home to Bitcoin. The framework: 1️⃣ BTC = savings & unit of account 2️⃣ Treasury cos ($MSTR / $ASST / $MTPLF) = vehicles to grow your stack (expect ~2x BTC volatility) 3️⃣ Cash cushion ($STRC / $SATA) = 1–2 years of runway at ~12–13.5% tax fee preffs that pay 3x a money sheet and 6x if you do tax adjusted math. That capital builds the Bitcoin ecosystem instead of sitting in TradFi bonds Not the 50% CAGR we're used to, but it gives a bitcoin maxi peace of mind. You don't need much else. Welcome back to X, @FormerDrJeff. We missed you. 🧡 Not financial advice. Just a book I've read before. And I expect to read it again the next 4 years and the characters and details ad numbers will be different but it’s usually the same story - every 4 years. Until it’s not.

$STRC and $SATA are among the two most liquid preferred equities issued to date. 18-month distribution reserves. Tax-advantaged distributions. Governance protections. Digital credit sits between traditional fixed income and common equity. DCAP is built to own it. For more information, including risks and to view a prospectus, visit digitalcreditetfs.com Distributed by: PINE Distributors LLC

Digital Credit ETF just dropped. Starting with two variable rate securities, so far.

Trading volume is the moat. Several times in my life I made the mistake to buy assets with an extremely thin volume. And every single time this turned out to be a mistake. When there is thin volume, you easily move the price. And in the worst case, you may never be able to exit. 30-day average volume per day: $BTC: $50 billion $MSTR: $3.5 billion $ASST: $231 million Trading volume = trust + security. It's very hard to build, and takes a long time. But once you have it, it's a huge asset.

$STRC shareholders: what do you value most?