Here’s How High XRP Should Reach to Unlock Early Retirement, According to Community

As the XRP market gradually turns bullish again, the conversation around XRP as a retirement vehicle is reemerging in the crypto community. In a tweet , King Karan, a long-time crypto investor and Chief Marketing Officer at Monerex, asked market participants what price XRP would need to reach to allow them to retire from active work. Indeed, XRP holders shared the price levels that they believe would secure their financial futures. Their responses highlight a wide range of ambitions and philosophies. The XRP $10–$200 Range Brian Hassine responded with a straightforward figure: $10. At today’s price of $2.85, that would represent more than a threefold increase. Assuming a $1 million retirement outlook, Hassine would need to hold over 100,000. Others set the bar higher. Mullen Station suggested that a $100 XRP would allow him to retire while continuing to work for enjoyment, supported by passive yield income. XRPrizot echoed a similar sentiment, saying £200 would secure a worry-free future. At the same time, he noted even £50 would allow for extended time off. These numbers align with previous discussions within the community. Specifically, some believe that 10,000 XRP could be enough for a $1 million portfolio retirement plan if the token reaches $100. Others suggest more conservative scenarios, such as holding 60,000 XRP if the price only rises to $50. The Moonshot Numbers: $500 to $1,000 As with past discussions, some in the community leaned into more ambitious or tongue-in-cheek targets. Several commenters mentioned $589 and even $1,000 per XRP. These levels could transform modest holdings into generational wealth. While such figures may seem extreme, they echo forecasts like Changelly’s projection of a $2,400 XRP by 2040. Bolder claims from industry figures, such as Jake Claver, have suggested XRP could one day trade at $10,000 . In such extreme scenarios, even holdings as small as 100 XRP could reach $1 million in value. “Retirement Is Not the Goal” Not all responses focused on financial independence. Some holders shifted the conversation toward values and legacy. Amelia Rosee dismissed the retirement angle, saying she simply wants to accumulate more XRP. X user Gaius shared a similar view, framing XRP not as a retirement plan but as a tool for pursuing meaningful work. “XRP is not my means to retirement,” he said, adding that he will never retire or abandon his sense of purpose. Meanwhile, TheKaspaMaxi countered that the only people who would retire off XRP already did. He suggests that today's investors may be too late to experience life-changing returns.

Ultimately, with XRP at $2.85 today, it remains far from the levels most community members consider life-changing. Yet the discussion reveals how many continue to pin significant hopes on XRP. The XRP Army sees the token not just as an investment but as a means to shape their future.