How Much RIpple (XRP) Do You Really Need to Retire Comfortably?

Question

Have you ever wondered how many Ripple (XRP) tokens you really need to retire? This is a question that comes up many times in the crypto world, especially with all the wild predictions about XRP price. In a new video from Matt Lutch’s YouTube channel, he breaks it all down in a way that’s easy to understand.

Matt starts by talking about how no other coin in crypto history has sparked as many crazy price predictions as Ripple’s XRP. During the last bull run, he held a coin called CELL token that had predictions of a 100x return. He admits it made him dream of Lambos, but reality turned out very different. Now he sees the same hype happening with XRP, where people talk about it going to $100, $1,000, or even as high as $600,000 per coin. Matt says bluntly that these insane numbers just won’t happen.

But this isn’t about bashing Ripple. Matt says he still believes altcoins like XRP could see good moves during this bull run. He just wants people to have realistic expectations. He shares a simple way to figure out how much XRP you need if your goal is to make a million dollars, which many people see as enough to retire or achieve financial freedom.

How Many XRP Tokens You Actually Need

Matt shows a spreadsheet with two more realistic XRP price scenarios. If XRP hits $1, you’d need a million XRP tokens to reach $1 million. If it goes to $10, you’d need 100,000 XRP. Matt points out that $10 XRP would mean a market cap similar to what Ethereum reached during its previous high. That would be a 4x jump from XRP’s current price.

He also talks about the chances of XRP going even higher. Could it hit $50 or even $100? Maybe, but you’d still need thousands or tens of thousands of XRP to reach your goal. If XRP went to $50, you’d need about 20,000 XRP to have a million dollars. Matt says expecting XRP to shoot past $100 is probably unrealistic.

He also warns about waiting forever for extreme price predictions. If you’re always hoping for a $10,000 XRP, you might end up holding your tokens forever without making any profit.

Don’t Wait for Unrealistic Price Targets

Matt closes the video by challenging viewers to really think about the extreme XRP price predictions. He asks if it’s realistic to buy a few hundred dollars worth of XRP today and expect to have a million dollars by 2027. For XRP to hit some of these predictions, the market cap would have to be bigger than the entire US stock market, which he says is just not going to happen.

His advice is simple: don’t waste time waiting for wild predictions. Instead, buy a reasonable amount of XRP, use tools and strategies to earn along the way, and always take profits when prices move up. The bull market is the best time to make money in crypto. Once it’s over, we’ll head into a bear market again, and that’s when you can start dollar-cost averaging for the next cycle.

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So if you really want to know how much XRP you need to retire, Matt thinks you’d need somewhere between tens of thousands to hundreds of thousands of XRP, depending on what price XRP actually reaches. But the key takeaway is clear: take action, don’t wait for impossible targets, and make sure you’re earning while you hold.

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