TheCryptoBasic posted a thread that breaks down how high XRP would need to climb for investors to retire on it – and the numbers are pretty interesting.
The idea is centered around owning 10,000 XRP. If you’re thinking long-term, like retiring with $1 million or even $5 million from that stack, then you’re going to need to see some serious price action. Based on current math, XRP would have to reach $100 to hit that $1 million mark. For $5 million? You’re looking at a $500 XRP.
Right now, XRP is trading at about $2.15. That means you’d need a 4,551% jump to get to $100, and a 23,155% pump to hit $500. Wild numbers, but not entirely off the table according to some of the community’s more optimistic voices.
TheCryptoBasic points out that this discussion comes at a time when the broader market is still recovering from a pullback. XRP dipped below $2 briefly over the weekend but has since bounced back by nearly 7% in the last 24 hours. Despite the ups and downs, many in the XRP camp are still confident. Some, like analyst Xena, even claimed XRP wouldn’t go under $1 again.
Here’s How High $XRP Needs to Go If You Plan for a $1M or $5M Retirement with 10,000 XRP. 🧵🧵🧵 pic.twitter.com/qvmyGfcGOB
— TheCryptoBasic (@thecryptobasic) June 24, 2025
Others are looking at this as a buying opportunity. Edoardo Farina, the founder of Alpha Lions Academy, has consistently encouraged investors to accumulate at least 10,000 XRP. He sees this as the magic number for what he calls “financial freedom.” When XRP was around $1.90, that stack would cost you $19,000. Now it’s worth over $21,000.
Vandell Aljarrah, co-founder of Black Swan Capitalist, echoed that view. He said he’d buy even more XRP if it dropped below $1. That’s the kind of sentiment that’s keeping this idea alive, even as the crypto market deals with global tensions and short-term uncertainty.
Whether or not $500 XRP ever becomes a reality is up for debate. But it hasn’t stopped analysts from making long-range predictions. The Modern Investors said recently that the fact XRP isn’t already $100 just shows how early the market still is. Farina went even further, saying that in 2029, people might be bragging about getting in at $500.
As for more grounded projections, Changelly estimates XRP could reach $100 sometime between 2034 and 2040. Their outlook also includes a possible $500 XRP by April 2040.
All of this is a big maybe, of course. But it shows how some investors are planning their retirement goals around XRP. Whether you’re aiming for early retirement or just holding for the long haul, the vision some of these folks have is ambitious to say the least.
So yeah, if you’re sitting on 10,000 XRP, you might want to hang tight. Just know that the road to $1 million – or $5 million – is going to need some serious rocket fuel.
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