[Digital Today reporter Yoonseo Lee] Can holding just 20,000 XRP bring financial freedom? Jake Claver (제이크 클레이버), CEO of Digital Ascension Group, recently posed the question, drawing the attention of cryptocurrency investors.

On Jan. 26, local time, blockchain media outlet The Crypto Basic reported that Claver claimed that if XRP rises to $100, the asset value of someone holding 20,000 XRP would reach $2 million. He also presented a calculation that assuming an annual return of 5 percent, it could generate $100,000 in income each year.

Some cautious views have also emerged within the XRP community. Early figures in the XRP community said that 20,000 XRP alone would be unlikely to automatically guarantee financial independence. They stressed that taxes, rising living costs, lifestyle changes and unexpected expenses could quickly reduce the assets left over. For young investors in particular, they said assets must remain sustainable for more than 30 to 50 years, and argued that depending on location, age and living standards, a $5 million to $7 million financial buffer may be needed beyond a simple valuation figure.

Views also diverge on how much to hold. Some investors suggested a goal of holding at least 50,000 XRP, while other analysts said even 10,000 XRP could be meaningful if the price rises sharply. Others also warned against setting a specific holding amount. They argued that financial literacy and asset management, including spending, taxes and risk management, determine results, and that even a small portfolio can produce better outcomes depending on how it is managed.

Claver also stressed that asset management and a sustainable investment strategy matter more than a holding amount. In the community, opinions offering a target holding amount coexist with views that there is no fixed right answer.

Ultimately, the debate is again highlighting that what matters more than how many XRP someone holds is setting expectations, a long-term strategy, and how assets are managed after price swings. Some in the industry also point out that rather than relying only on extreme price targets, reviewing tax and spending structures and setting principles for taking profits and managing risk is closer to practical financial freedom.

Is 20,000 XRP enough? If XRP hits $100, that’s $2 million. A 5% return is $100k a year If XRP hits $1,000, that’s $20 million. A 5% return is $1 million a year The right bag can go far with patience