Doginal Dogs Founder Says XRP Can Help a Lot of People Retire

Bark, founder of NFT project Doginal Dogs, believes XRP could be the key to helping many investors retire. 

He shared this sentiment in a post on X, boldly claiming that XRP will “retire a lot of people.”

Indeed, the ultimate goal for many in the crypto world is to generate enough returns to stop working. Some believe XRP’s price trajectory could be pivotal for those seeking financial independence.

The Path to Retirement

However, the amount needed to retire varies depending on factors like location and lifestyle. While some investors in low-cost living areas might be able to retire with $500,000, others, especially in high-cost places like the U.S., may need much more.

For example, a CNBC report earlier this year highlighted that retiring in Hawaii would require a whopping $2.21 million to live comfortably for 25 years, the highest amount for any U.S. state. The average U.S. retirement goal is just above $1 million.

Given these realities, some wonder whether simply holding XRP could be enough to achieve retirement. If we take the $2 million retirement target as a benchmark, could XRP reach a price that allows investors to hit that goal?

How Much Does XRP Need to Appreciate for Retirement?

This article considers a scenario where an investor starts with $10,000. At XRP’s current price of $1.91, one can buy 5,263 tokens with $10,000.

To hit the $2 million retirement target, XRP would need to surge to $380 per token, a staggering 19,900% increase. Notably, this price level pushes the market cap to a jaw-dropping $22.8 trillion.

While this is highly speculative and unlikely in the short term, it shows just how far XRP would need to rise to reach this value.

For instance, Changelly crypto exchange estimates that XRP could reach $380 by April 2040, about 14 years from now. On the other hand, Telegaon analysts suggest XRP cannot reach $380 even by 2050, projecting its highest possible price at $128.

In a more realistic scenario, an investor would need to contribute more than $10,000 at today’s price. For example, to retire with $2 million when XRP reaches $100, an investor must hold 20,000 XRP tokens, which currently costs about $38,000.

Similarly, someone holding 50,000 XRP, costing just under $100,000, would reach the $2 million goal if XRP hits $40.

For a $500,000 investment, the journey is much faster. The portfolio could reach $2 million if XRP climbs to around $7.60 per token, a more attainable target over the next few years.

Yet, individuals with $500,000 to invest are already in a comfortable position. Most crypto participants are retail investors with far less disposable income to commit to long-term investments. Nonetheless, the overall point remains: increasing exposure can reduce the time needed to achieve a retirement goal.

What Comes After?

According to industry expert Jake Claver, CEO of Digital Ascension Group, careful preparation matters more than chasing big gains. He notes that many investors focus on price spikes but aren’t prepared for challenges like taxes, frozen accounts, or security risks.

Claver recommends preparing early with tools such as trusts, LLCs, and tax strategies. He also suggests using XRP as collateral for loans to access cash without triggering heavy taxes. For larger portfolios, a digital family office can assist with governance, succession planning, and long-term wealth protection.

Without proper planning, crypto wealth often disappears within two generations. So, Claver stresses legal, tax, security, and generational strategies to preserve wealth over time.