Coach JV, a well-known finance expert, has suggested that everyday spenders could DCA into assets like XRP and Bitcoin instead of binge shopping on Amazon.
The crypto advocate disclosed this in a recent post on X, expressing his aversion to how people spend money. According to him, people often scroll endlessly on social media, load up their Amazon carts with impulse buys, and finance luxury cars worth $70,000 without hesitation.
Yet, Coach JV noted that these same people rarely take time to understand or invest in assets like XRP or Bitcoin that could change their financial future for the better. The market expert suggested that instead of spending that money on things that lose value, people should build a budget and stick to a dollar-cost averaging strategy.
For the uninitiated, dollar-cost averaging involves investing a particular amount into an asset consistently over a set period, regardless of the price. Notably, if these individuals simply set aside a fixed amount each month into deflationary crypto assets, Coach JV says they could create long-term financial security for their families.
Returns of 10-Year DCA Into XRP and Bitcoin
Meanwhile, to put his advice to the test, we made an assessment using the Uphold DCA calculator. In the first scenario, someone who invested $583 every month into XRP from August 2015 through July 2025 would have spent a total of $69,960.
Today, that investment would be worth about $4.49 million. For context, a recent 2025 study from Northwestern Mutual reveals that most Americans insist they need at least $1.26 million to retire. With the $4.49 million from the 10-year DCA into XRP, retirement could be a consideration today.
Meanwhile, we made a similar assessment with the same investment strategy for Bitcoin. Again, $583 every month for ten years would have resulted in a total spending of $69,960. However, with Bitcoin, the investment would be worth $3.5 million today. While lower than XRP, it is still enough for an investor to consider retirement.
Currently, XRP trades around $3. Nonetheless, back in August 2015, it sold for just $0.008. The current price represents a massive 37,400% increase. Also, Bitcoin, now worth $114,000, was just $285 ten years ago, marking a more impressive 39,900% increase.
Market Still Early?
Even though Bitcoin gained more in percentage terms, XRP’s unique price pattern yielded stronger gains for those using a dollar-cost averaging approach. While Bitcoin climbed steadily over the years, XRP moved in short, powerful bursts, including a 580% spike from November 2024 to January 2025.
While some investors might conclude that they have missed the mark, several analysts believe this is not the case. For instance, Edoardo Farina, a crypto educator, has insisted that the XRP market is still early. Meanwhile, Bitcoin advocates like Michael Saylor suggest the BTC price still has more room for growth, potentially hitting $13 million.
DisClamier: This content is informational and should not be considered financial advice. The views expressed in this article may include the author's personal opinions and do not reflect The Crypto Basic opinion. Readers are encouraged to do thorough research before making any investment decisions. The Crypto Basic is not responsible for any financial losses.
