Pundit Says You Don’t Need 50,000 XRP to Get Rich

Notable voices in the XRP community are debating whether a large XRP bag, like 50,000 tokens, is essential for life-changing gains.

The discussion centers around how much XRP is “enough,” and whether arbitrary targets like 50,000 tokens are helpful or harmful to the average investor.

50,000 XRP as the “Minimum”

Crypto commentator King Vale recently advised investors to accumulate at least 50,000 XRP, framing it as the threshold for serious wealth potential.

His suggestion closely aligns with current on-chain data, which shows that the amount needed to join the top 1% of XRP holders has dropped to 50,835 XRP, down from 56,304 tokens in January.

Despite the lower token count needed for elite status, XRP’s recent price surge has made the goal more expensive. At $2.17 per token, acquiring 50,000 XRP now costs over $108,500, compared to around $25,000 in November 2024.

Vale defended his advice by noting that those who followed his earlier recommendations at lower prices have already seen life-changing returns. He also argued that in a hyperinflationary world, accumulation—not affordability—should guide investment strategy.

“This is Ego, Not Strategy”

However, community figure Xena strongly disagreed, calling Vale’s post misleading and unrealistic. She dismissed the notion that 50,000 XRP is a necessary benchmark.

She encouraged community members to avoid those who try to make others feel bad about the amount of XRP they hold. Xena contended that even someone with 50,000 XRP can perform poorly without financial literacy.

According to her, financial literacy, money management, and strategic thinking are the true keys to long-term success, regardless of portfolio size. She advised investors to keep buying within their means and to focus on smart decision-making, rather than feeling inadequate for not hitting arbitrary token milestones.

Xena also noted that smaller holders may outperform larger ones in the long run simply by being more disciplined and informed.

Again I think it’s a very important message. Get whatever you can. Keep buying if you can. Maybe you were not as early as many.

Whatever your situation is the most important thing is to get on the train.

But don’t think that if you have less than 50k XRP you are not gonna make… https://t.co/CoExqu4CBp

— Xena XRP (@XenaXrp) June 2, 2025

Clash of Mindsets: Two Paths to Becoming an XRP Millionaire

The debate highlights a broader divide in the crypto scene. On one side are voices like Vale, who promote maximum accumulation and large holdings as a practical response to macroeconomic risks.

For perspective, should XRP reach $10 per coin, those holding 50,000 tokens would have $500,000 in wealth, or half a million dollars.

On the other hand, conservatives like Xena view the pressure to hit large numbers as demotivating and ego-driven. According to her, strategy trumps bag size, especially for newer investors or those with limited capital.

Interestingly, Xena advocates for ambitious price outlooks for XRP. She strongly disagrees that outlooks like a $10 target are truly life-changing for the average investor.

To illustrate: at $10 per XRP, someone holding 1,000 tokens would only earn $10,000, while 50,000-token holders approach millionaire status. However, at $500 per coin, even a 1,000-token holder would be approaching a millionaire status.

Yet, there is significant disagreement in the crypto community about whether XRP can realistically reach such lofty price targets. Some believe it could take a decade or more. Others warn that waiting too long might expose investors to becoming exit liquidity for those taking profits earlier.

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