[DigitalToday reporter Yoonseo Lee] Finance expert John Vasquez (존 바스케스) has reignited the case for long-term investing by proposing a strategy of steadily buying XRP and bitcoin (BTC) every day.

The Crypto Basic reported on April 22 that Vasquez argued in a recent post that investing even a small amount daily instead of routine spending such as expensive coffee could put someone ahead of "99 percent of the population" by 2030.

Vasquez said this is a strategy he has practiced for a long time. He drew a line, saying the claim is not investment advice. The key, he said, is to steadily build up small amounts rather than putting in a large sum at once.

The remarks led to discussion in the crypto community about a savings-style buying strategy. An XRP holder named Sami interpreted it as a typical dollar-cost averaging (DCA) approach. He said even small investments in bitcoin, currently around $77,000, and XRP, around $1.45, could have a growing effect over time.

Sami stressed that "consistency" and "self-management" are central to the strategy. He said long-term discipline matters more than trying to time short-term prices. Vasquez also framed his expectation around an investment period of about 4 years through 2030, suggesting that investors who buy steadily could be rewarded.

Long-term price forecasts also underpin market optimism. For bitcoin, a projection of $1 million by 2030 is widely discussed, and calculations suggest that if it materialises it would imply about 13 times upside for current investors. For XRP, community figures have floated expectations in the $10 to $100 range. EasyA founder Dom Kwok (돔 콕) has also offered a forecast that XRP could reach $1,000 in 2030.

Some counterarguments have also been raised that such projections do not mean guaranteed returns. Analyst George Walter (조지 월터) said, "DCA can be effective, but it is far from a guaranteed path to outperforming most investors." Crypto remains an asset class with high price volatility, he said, and simply comparing cutting daily coffee to an investment decision can oversimplify key factors such as risk tolerance, financial goals and diversification.

Another XRP investor, Daphne (대프니), offered a more flexible view. He said investing and small everyday spending do not necessarily have to be either-or. In personal financial management, he said, savings and consumption can be adjusted together.

The debate shows that a long-term strategy of steadily accumulating XRP and bitcoin remains attractive to many investors. At the same time, market participants are making clear that while they acknowledge the strengths of savings-style buying, they also need to weigh volatility management, diversification and individual financial plans.

Buy BITCOIN/XRP every days vs morning expensive ass coffee and you will be ahead of 99% of the population by 2030. Not financial advice just what I have been doing for a long time. It works.