Update 03_3_Setting_Up_Your_Wallet.md

Author: shannona

03_3_Setting_Up_Your_Wallet.md

@@ -16,7 +16,8 @@ $
 
 Although Bitcoin Core won't create a new wallet for you, it will still load a top-level unnamed ("") wallet on startup by default. You can take advantage of this by creating a new unnamed wallet.
 ```
-$ bitcoin-cli createwallet ""
+$ bitcoin-cli -named createwallet wallet_name="" descriptors=false
+
 {
   "name": "",
   "warning": ""
@@ -33,6 +34,8 @@ database  db.log  wallet.dat
 
 Sweet, now you have a Bitcoin wallet. But a wallet will be of little use for receiving bitcoins if you don't create an address first.
 
+> :warning: **VERSION WARNING:** Starting in Bitcoin Core v 23.0, descriptor wallets became the default. That's great, because descriptor wallets are very powerful, except they don't currently work with multisigs! So, we turn them off with the "descriptors=false" argument. See [§3.5](https://github.com/BlockchainCommons/Learning-Bitcoin-from-the-Command-Line/blob/master/03_5_Understanding_the_Descriptor.md) for more on descriptors.
+
 ## Create an Address
 
 The next thing you need to do is create an address for receiving payments. This is done with the `bitcoin-cli getnewaddress` command. Remember that if you want more information on this command, you should type `bitcoin-cli help getnewaddress`. Currently, there are three types of addresses: `legacy` and the two types of SegWit address, `p2sh-segwit` and `bech32`. If you do not otherwise specify, you'll get the default, which is currently `bech32`.