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Finance expert says buy XRP instead of morning coffee and you could rank in top 1 percent by 2030

Finance expert John Vasquez promoted a strategy of buying small amounts of XRP and bitcoin daily instead of spending on pricey coffee, arguing it could put investors ahead of 99 percent of people by 2030. The comments reignited debate over dollar-cost averaging and long-term discipline. Optimists cite forecasts such as bitcoin at $1 million and XRP as high as $1,000. Critics said returns are not guaranteed and the comparison oversimplifies risk and financial planning.