195: Bitcoin Demystified (Part 2): The 3 Ways to Own Bitcoin

About this episode

In this episode, Kirsten Howe and Jirayr Kembikian discuss the three ways to acquire and hold Bitcoin, highlighting the importance of understanding custody and investment strategies.

Ready to own Bitcoin but not sure where to start? In Part 2 of our cryptocurrency series, host Kirsten Howe continues her conversation with Jirayr Kembikian, CFP® and Managing Director of Citrine Capital, to break down the three distinct ways to acquire and hold Bitcoin—each with its own unique trade-offs. Jirayr walks through everything from Bitcoin ETFs (the easiest and most familiar option) to exchange custody and self-custody, explaining why he believes "the only wrong answer for Bitcoin allocation is zero." He reveals the critical phrase Bitcoin purists use—"not your keys, not your coins"—and why understanding custody matters for your financial security. You'll discover why Bitcoin-only exchanges are safer than multi-crypto platforms, learn about the estate planning risks of keeping Bitcoin on exchanges, and understand why a 2-3% allocation keeps you market neutral. Perhaps most surprising: you don't need $112,000 to get started. Bitcoin is divisible into 100 million Satoshis, meaning you can start with as little as $10 through dollar-cost averaging. Whether you're considering your first Bitcoin purchase or evaluating your current approach, this episode provides the…

People in this episode

Host: Kirsten Howe

Guest: Jirayr Kembikian

Topics covered

• Bitcoin ownership
• cryptocurrency
• financial security
• investment strategies
• Bitcoin ETFs

Keywords

• Bitcoin
• cryptocurrency
• Bitcoin ETFs
• self-custody
• financial security
• investment
• dollar-cost averaging

Mentioned in this episode

Organizations: Citrine Capital

Products: Bitcoin, Bitcoin ETFs

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