thecryptobasic.com
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.