An XRP community figure recently suggested that assets like XRP are “golden geese,” explaining how one could make them feed one’s family forever.

Notably, as investors continue to anticipate an XRP rally to new highs, most of them still don’t know what they’ll do once XRP reaches those ambitious price targets besides selling it off for profit.

Most discussions focus on price predictions, but some experts believe planning what happens after the rally matters just as much as waiting for it. Jake Claver, CEO of Digital Ascension Group, recently highlighted what XRP holders should focus on to build lasting wealth rather than short-lived profits.

Claver Insists Investors Should Have a Strategy for When XRP Rallies

In a recent extended commentary, Claver noted that many crypto investors expect big returns but rarely have a strategy for handling those gains. 

He explained that most people will likely keep their XRP on exchanges, sell once the price hits their target, and lose much of their profits to taxes and careless spending. Claver warned that this approach leaves investors wondering where their money went, while a smaller group of disciplined planners keeps growing their wealth.

According to him, crypto investors already belong to a small and unique group since only 7% of the global population holds digital assets. Notably, Triple-A’s latest crypto adoption report corroborates this, confirming that 560 million individuals, representing 6.8% of the world’s population, hold crypto. 

Claver said tokens like XRP, XLM, XDC, AXL, and HBAR still have strong potential because of their real-world use cases, partnerships, and room for growth. He believes they could appreciate sharply in the coming years, but only those who manage their holdings wisely will benefit long-term.

A Better Retirement Approach

The pundit also criticized traditional retirement advice that encourages people to save for decades and live off limited withdrawals later in life. 

He said this system no longer works because the economy has changed, but the advice hasn’t. To him, investors should own assets that grow faster than their expenses, then use them as leverage to create income without selling.

He explained that wealthy individuals already follow this approach with stocks and real estate. Now that institutional crypto lending has matured, investors can apply the same strategy to crypto assets. 

According to Claver, they can borrow against their crypto holdings, use a portion of the loan to cover interest, and live off the rest, without triggering taxable events. He called this the “never sell” approach, which allows assets to keep growing while providing steady income.

Claver illustrated his point with an example. Specifically, if XRP reached $100 and an investor owned 10,000 tokens, this would amount to $1 million. 

Instead of selling, the investor could borrow 30%, about $300,000, against the holdings. Part of that could cover interest payments, while the rest could serve as tax-free liquidity. Claver said this approach protects investors from tax losses while letting their assets continue to appreciate.

“XRP is a Golden Goose, Keep It Alive and Feed Your Family Forever”

However, he warned that many XRP holders make serious mistakes by keeping their assets in their personal names. He explained that personal ownership leaves them vulnerable to lawsuits, audits, or family disputes that could force liquidation. 

He also noted that some investors create LLCs but fail to manage them properly, often mixing personal and business funds. Claver said this oversight causes courts to ignore the LLC’s protection and hold individuals personally liable.

He stressed that the real opportunity with XRP and other appreciating assets is in how investors protect and use them, not just in reaching a certain price. 

The community pundit encouraged holders to start preparing before prices increase by setting up proper structures, like transferring assets into Wyoming LLCs, using institutional-grade custody for large amounts, and building relationships with banks that understand digital wealth.

According to Claver, the next five years will separate those who simply make money from those who stay wealthy. 

He urged XRP investors to treat their holdings like a “golden goose,” noting that they should “keep it alive, borrow against it,” and feed their families forever.