XRP investors dreaming of life-changing gains got a sharp reality check this week. Jake Claver, CEO of Digital Ascension Group, says even a massive rally to $100 per XRP could mean little if holders don’t have a clear financial strategy.
In a Wednesday post on X, Claver warned that “too many people in crypto are flying blind.” He said hoping for higher prices isn’t a plan and urged XRP holders to set specific financial goals, write them down, and prepare before emotions run high in a bull run.
Right now, XRP trades a little over $3, but long-term forecasts from analysts like Claver imagine prices well beyond $100 – and even a future where XRP trades at $10,000. A move like that would dwarf the past five-year returns of Apple, NVIDIA, or Tesla. But Claver argues that without preparation, those gains could vanish as quickly as they arrive.
Crypto CEO Says Even if $XRP Hits $100, It Won’t Mean Much Without a Plan. #Ripple 🧵🧵🧵 pic.twitter.com/V3GXEZaElS
— TheCryptoBasic (@thecryptobasic) September 13, 2025
What you'll learn 👉
The Real Work Starts Before the Rally
Claver says financial freedom starts long before the sell button is hit. He advises investors to create legal, tax, and security structures tailored to crypto – things like trusts, LLCs, and digital asset custody solutions. Relying on traditional banking or tax setups, he warns, isn’t enough for digital wealth.
One commenter shared a personal plan to slowly sell XRP at key price milestones and move profits into real estate over the next decade. Claver calls this kind of thinking essential to turning paper gains into lasting wealth.
Read also: Popular Crypto Investor Says XRP Will Hit $1,000: Reveals Realistic Timeframe
Big Numbers, Bigger Risks
The math is tempting. At $100 per XRP, a 5,000-coin stack worth about $15,000 today would swell to $500,000. At Claver’s ultra-bullish $10,000 target, even 500 XRP could, on paper, turn into $5 million.
But crypto consultant Armando Pantoja warns the hard part isn’t making the money – it’s keeping it. He notes that sudden crypto wealth often disappears within 18 months without a solid strategy. He suggests diversifying into Bitcoin, farmland, or dividend stocks to avoid that fate.
Reality Check for XRP Bulls
Skeptics argue these sky-high numbers are premature. They point out XRP must break its old all-time high and push toward $10 before $100 or $10,000 can be seriously discussed.
Still, Claver’s message is clear: whether XRP stops at $10 or shoots to $100 and beyond, the time to plan is now. Without preparation, even the biggest bull run could leave investors with little more than regret.
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