Is 10,000 XRP Enough to Retire, Here’s What Community Voices are Saying

The XRP community has continued to assess whether holding 10,000 XRP tokens could be sufficient for investors to retire.

As XRP struggles at the $2.2 mark, discussions around how much investors should own have sprung up as pundits suggest amassing more tokens amid the ongoing price consolidation, arguing that this might be their last opportunity to procure large amounts at cheaper prices.

Edoardo Farina, who founded Alpha Lions Academy, remains one of the most vocal supporters of holding at least 10,000 XRP. He believes that reaching this number could lead to financial freedom. 

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Many analysts agree with this thinking, though their thresholds vary. Most of these analysts argue that XRP has the potential to reach prices as high as $100. However, this will depend on whether its utility in payments grows substantially. 

Would 10,000 XRP be Enough to Retire?

Notably, if XRP hits a $100 price, then 10,000 tokens would be worth $1 million. While a million dollars might be enough for some to retire comfortably, others believe it might not be sufficient depending on personal circumstances.

Panda, an active member of the XRP community from Singapore, recently asked whether 10,000 XRP would actually be enough to retire. His question hovered over whether XRP would surge to the extent of making these 10,000 tokens worth enough for retirement.

For context, if one needs to retire with $1 million by holding 10,000 XRP, the asset will have to reach $100 per token. However, those looking for a retirement goal of $5 million may have to wait for XRP to claim $500.

Responding to Panda, one community member dismissed the idea of retiring with just 10,000 XRP. The individual suggested instead that 100,000 tokens would be more realistic. Specifically, with 100,000 tokens, XRP needs only reach $10 to push an investment to $1 million.

Meanwhile, investor Caspian pointed out that success isn’t only about how many tokens someone owns. According to him, if XRP eventually plays a key role in global finance, holding 10,000 could be more than enough.

Market analyst Mr. Xoom, known for his generally optimistic outlook on XRP, dismissed the idea of retiring early. While he didn’t completely rule it out, the analyst suggested that it might take 20 to 30 years before holding 10,000 XRP pays off in a meaningful way.

Community Pundit Insists on More Productive Discussions

Elsewhere, another community figure, Xena, commented on the constant back-and-forth around this topic. She said the discussion often turns into a bragging contest, with people comparing who holds more XRP. 

Here we go again with the same discussion : is 10,000 XRP enough

X is an exhausting place 🤣

Always the same questions, with the same people showing their bags :

"look at my bag, look how big it is [compared to yours]"

Sometimes I think that's really sad to know these people… pic.twitter.com/p9ByCiRlZ3

— Xena XRP (@XenaXrp) June 10, 2025

Xena called it immature and said it’s sad to see so many chasing wealth without focusing on personal growth. According to her, money alone doesn’t buy respect, and many might face a harsh reality once the excitement wears off.

When someone asked Xena if she would not want 50,000 XRP, she noted that owning large amounts like 20,000 or even 200,000 is great if someone can manage it. 

Still, she pointed out that many people have real responsibilities, like supporting a family or dealing with emergencies, and can’t afford to lock away that kind of money. She criticized those who dismiss smaller holders without knowing their situations or considering that no one can predict XRP’s future price with certainty.

Meanwhile, Farina has not backed down from his view. He recently warned that 99% of retail investors may soon find it impossible to procure large amounts of XRP

For instance, in November 2024, when XRP traded at $0.50, anyone could buy that amount for $5,000. Today, with the price at $2.29, the same amount costs almost $23,000. Farina and other analysts believe that prices will keep rising, making that 10,000-token goal harder to reach for everyday investors.