Should Every Investor Own at Least 10,000 XRP If Betting on XRP long-term Potential

The conversation about the importance of holding 10,000 XRP tokens continues to gain traction within the XRP community. Most recently, widely followed YouTuber The Modern Investor reignited the debate in a tweet. He posed the question to the community, asking whether everyone should own at least 10,000 XRP tokens. Many community members agree, arguing that this threshold represents a solid position for those betting on XRP’s long-term potential. Owning 10,000 XRP Makes Sense If You Can Afford It Community member Jack Joseph commented that if investors can afford it, owning 10,000 XRP makes sense. However, for those earning around $50,000 a year, holding between 500 and 1,000 XRP is more realistic.  Meanwhile, Joseph added that he wouldn't recommend investing in XRP before owning some Bitcoin. Notably, X user Wasabi supported the idea of holding 10,000 XRP but acknowledged that most investors can barely afford 1,000. He emphasized the importance of dollar-cost averaging (DCA), noting that many of today’s large XRP holders accumulated their positions during the early and most intense phases of the SEC lawsuit. He believes such low price levels are unlikely to return. Other commentators cautioned that investors should only commit what they can afford to lose and shouldn't feel pressured to meet arbitrary thresholds set by others. "It’s a Luxury" Notably, buying 10,000 XRP requires a hefty financial commitment of around $23,000. In his commentary, crypto founder Edoardo Farina stressed that owning over 10,000 XRP is quickly becoming a luxury, as inflation and economic hardship force retail investors to sell. Those advocating for this holding often see it as a steppingstone to success. They frequently present hypothetical scenarios in which 10,000 XRP could be worth millions if the price per token surpasses $100. Recently, prominent XRP commentator Armando Pantoja argued that holding 10,000 XRP could one day be worth $2.5 million . This implies a future price of $250 per token. He compared this milestone to owning 1 Bitcoin or 50 Ethereum, stressing that financially savvy individuals should aim for such holdings. Currently, fewer than 4% of XRP wallets hold at least 10,000 tokens, highlighting how rare this level of accumulation is. Pantoja and other analysts argue that reaching this threshold could unlock financial freedom. Once the $2.5 million mark is achieved, Pantoja advises shifting to real estate or investments yielding 3–5% annually to preserve wealth and cover taxes. Strategy Matters More Than Portfolio Size In contrast, community figure Xena called the advice to target a specific holding amount ego-driven and unrealistic. She argued that financial literacy and smart strategy matter more than portfolio size. According to Xena, even disciplined small holders can outperform larger ones in the long run. This contrast highlights two mindsets in the XRP community: one promoting aggressive accumulation, the other advocating for realistic and strategic investing. The ultimate choice comes down to individual preference and risk tolerance.