Pundit Says the Amount of Early Retirements That Will Happen With XRP Will Be “Crazy”

Prominent XRP commentator John Squire recently argued that the number of people retiring early because of XRP could be “crazy.”

Squire’s comment strengthens the belief that XRP’s future growth could significantly reshape the financial outlook of many holders. This optimism rests on several factors, including more companies adopting XRP as a treasury asset and growing inflows into spot XRP ETFs from firms such as Franklin Templeton, Grayscale, and Bitwise.

Accordingly, expectations are high that the XRP price will soar from the $2 level to the triple or four-digit range. In this context, holding a modest amount of XRP today could lead to substantial gains over the next decade.

What Holding 5,000 XRP Could Mean in the Coming Years

With XRP trading around $2.20, buying 5,000 XRP costs $11,000. Many retail investors see this amount as a reasonable way to gain meaningful exposure without overextending financially.

Long-term predictions for the future value of 5,000 XRP vary widely. For example, some forecasting sites such as Telegaon estimate that XRP could reach between $80 and $120 between 2035 and 2040. 

At those prices, 5,000 XRP would be worth between $400,000 and $600,000, based on their projections. Depending on the country one lives in, this amount could meet the retirement target for many investors.

More aggressive models, such as Changelly’s upper-range outlook, envision XRP rising to the $150 to $200 range between 2035 and 2040. This would lift a 5,000 XRP position to approximately $750,000 to $1 million.

Indeed, achieving a seven-figure portfolio is the goal of many investors.

Still, some commentators have projected even more dramatic growth. In a widely shared analysis, Matthew Brienen of CryptoCharged suggested XRP could one day reach the $1,000 mark if its role in global payments continues to expand.

At that level, 5,000 XRP would be worth $5 million.

What About Those Holding 10,000 XRP?

At today’s prices, accumulating 10,000 XRP costs approximately $22,000. Many analysts now describe this amount as a “luxury reserve,” given rising inflation, economic pressure, and the fact that fewer than 4% of XRP wallets hold this amount or more.

If XRP follows conservative long-term projections such as Telegaon’s $120 estimate, a 10,000 XRP investment would be worth around $1.2 million.

In a mid-range scenario, where XRP climbs toward $150 or $180, that position could grow to $1.5 million or more.

The extremely bullish scenarios create even more dramatic outcomes. Changelly’s theoretical top projection places XRP above $1,400 by 2040. At that valuation, 10,000 XRP would be worth over $14 million.

These figures help explain Squire’s comment that many could attain “early” retirement via XRP. While these projections are promising, there is no guarantee XRP will reach triple digits over the next decade.

Early Retirement Hopes Backed by Rising Institutional Momentum

Meanwhile, John Squire’s claim that XRP could help many people retire early comes as spot XRP ETFs are launching rapidly and absorbing large amounts of supply.

Earlier this month, XRP ETFs by Canary Capital and Bitwise launched, purchasing over $400 million worth of XRP. Meanwhile, XRP ETFs from Grayscale and Franklin Templeton launched this week and have already posted more than $120 million in inflows.

Analysts are projecting up to $10 billion in inflows over the coming weeks. In parallel, they speculate that XRP could reach $10 or more this year or in 2026.

Additionally, more companies are using XRP for treasury purposes, preparing for long-term adoption. Many believe that today’s price does not yet reflect XRP’s potential role in global payments — and that these factors could help propel the asset much higher.