How Many XRP You Need to Become a Millionaire: Real Crypto Math Explained

Discover how many XRP you need to reach millionaire status using real data, compounding returns, and growth scenarios. Learn how XRP compares to Bitcoin and Ethereum.

7/12/202510 min read

XRP Millionaire Potential

Folks, millionaires are going to be made when it comes to XRP. And it's going to be a lot of millionaires out there that are made in my humble opinion. Now, this isn't this isn't financial advice, but you all know and many of you can see that XRP is on a tear. It is running. And people are wondering, how many how many XRP do you need to become a millionaire? And I'm here to answer that question for you.

The Journey Begins: Charts, Community & Results

Not with just words, folks. I got the pictures. I got the charts. I got it all. And I'm pumped for it. If you are with me on this, hit the like button. If you want to become a crypto millionaire like I'm trying to do this year, hit the subscribe button. I'm going to be sharing all of it and more along the way with my portfolio, which for those who have been following along, I shared that uh a couple couple of times now, and it's already made about $40,000 in a matter of two days live in front of your eyes.

Comparing XRP With Bitcoin

Now, for this blog, how many XRP does it take? Where are we going? It has been running. Let's go. That's not it. It's not 111,000 yet. Boy, wouldn't that be great, right? Uh this is Bitcoin. I want to show you something. I have a lot of people when I do these blog, they'll say there's no way it's going to move like this or move like that or have an average gain or this that and the other thing.

The Big Three: Bitcoin, Ethereum, XRP

So, I decided to kind of show how well XRP has been doing. And the fact that I call it one of the big three, the Bitcoin, Ethereum, and XRP. Now, I know it's a it's a I know the fans out there when they have their crypto, they love it. I mean, they are you guys will attack anybody who goes against any crypto that you really love.

Crypto Tribes and My Position

And I know the XRP army is with me. I know there's a Bitcoin army. I know there's an Ethereum army and I know I I'll write a blog and you going to remember I'm actually a part of all three because I love all three projects. I really really do.

Community Feedback

And so I'll I'll do an XRP blog and then I'll have um people come up and they'll be like, "Oh no, Mo, I hate it. XR uh you know, Ethereum's no good." And then I'll do an Ethereum. Oh, XRP is no good. Bitcoin's no good. Put it all together, folks.

Market Correlation and 5-Year Returns

And what I'm here to show you and open your eyes is that they're very correlated in their returns. And for those who do not understand, I want to show you the 5-year return on Bitcoin. Over five years, Bitcoin is up,00%. Folks, that is massive gains. You started way back in the day um with $9,200 is now worth over $100,000. Well, that that's Bitcoin Mo. Everybody knows Bitcoin.

Ethereum and XRP Five-Year Returns

What about Ethereum Mo 10 times your money. So Bitcoin 11 times your money. You got Ethereum 10 times your money, right? Massive gains. Massive gains. No way XRP did that, Mo. Five years 11 times your money.

XRP Price Action and Legal Case

In other words, and you could say right now, you can say to me, well, that's because of the case. Yeah, but the case is done. It's over. So yeah, I think normally you would have saw a nice line of best fit here going up just like the other ones. Instead, when the case was over, it priced in immediately. So I if you look at how high it was at one point, it was actually outperforming both over five years.

Long-Term View and Perspective

In other words, as I go through these prognostications of how many XRP you need to become a millionaire today, please understand over the last five years, when in doubt, zoom out. I'm giving you a fivey year, the most current five years average on what I'm doing. And so we'll go over the charts at the end here, but I wanted to show you the average return because I'm going to do the calculations in front of you for how many XRP does it take to become a millionaire today. Today, and how long it would take.

The Get-Rich Slow With Mo Method

Um, I call this the get-rich slow with Mo method. It's not this isn't a meme play. This isn't overnight, but I am going to explain to everyone what's because I I do these blog once in a while. And when I do them, I have a lot of people out there who just absolutely um can't believe it. And I I could say it and they need to see it. They need to see it. So, I'm going to show you uh right here.

Actual Five-Year Returns by Asset

Last five years, 61.2% average gain. This is the average gain per year over five years for what? This is for what do we got here? This is for Bitcoin. Bitcoin. I think this Bitcoin. It's uh Bitcoin. Yep. This is for Bitcoin. This is for Ethereum here. 60.7% and this is for XRP, 60.1%.

All Above 60% — Now What?

All right. So, we got the five-year average return. They're all 60% or higher. So, that moves us into what I want to talk about. How many crypto do you need to become a millionaire? Hopefully, there's no guarantees here, folks. This is for educational purposes. if we could continue to have this kind of return right here. All right. I'm going to show you a bunch of different scenarios. Bunch of different scenarios. All right.

The Starting Point: $10,000 Investment

All right. So, we come over here. I got the calculator at the end. Here's what I want to show you. So, let's just say you're starting and we're not going to put any more money in. You put $10,000 into an account. Now, I I don't know. And you can see after one year with that 60% return and we got that on average over the last five years, how much money would I have in the account? 16,000. 10,000 plus the 6,000 we made.

Long-Term Gains and the Magic of Compounding

So now if we start stretching it out and I say let's go 10 years, 10 years, 30 to 40 years old, how much money you think is in there? And this is the power of compounding I used to teach my my students. I said, "I'm not a magician, but I can make things seem like magic." And they're like, "What do you mean, Mr. Mo?" And I would show them. Boom. And they would sit there and watch this and say, "I could be a millionaire in 10 years." I said, "Yes, you can be. Absolutely. You find the right asset that can run at a clip of 60% and you got 10 grand to start and you can find that one is going to run 10 like this. you are a millionaire in 10 years."

The Challenge of Sustaining Growth

Now, the hard part of this, and it is a hard part, is crypto going to run like it did over the last five years at 10% a pop or 60%. I don't know. I hope so because I I want to be really, really rich with this stuff. I just don't know. And is every asset going to stay correlated? Ethereum, Bitcoin, and XRP? I don't know. You could have one like XRP explode higher, really just rip higher. You could have one like Ethereum rip higher. You could have Bitcoin lead the charge for everything. And that's why I'm in all three. They're all very similar in terms of returns over the last 5 years.

The Harsh Truth About Long-Term Compounding

But moving forward, I want to show you this. Now, the odds of doing this are extremely extremely bad. And it doesn't matter how old you are. In 10 years, if you can get 60%, you'll be a millionaire. And that's starting with 10 grand, not putting another dollar in. But if you go 30 years, look how disgusting this is. It's almost impossible to do. You would have you would become a billionaire. $13 billion.

The Reality of Billionaire Returns

Now, think M2 increasing, inflation, all of that stuff behind the scenes that would happen. And that's one of the things I want you to look at this chart. Absolutely insane. But it's true. You would become a billionaire in year when you were 55 years old. 55 years old. and you become a billionaire. And that's incredible. And it's real though.

Compounding Interest: Year-by-Year Magic

First year right here 16. Next year you're up to 25 because now you're getting interest on the interest. And that's the magic. That's the power of compounding.

What If You Don’t Have $10,000?

Now, some of you would say, "Mo, I don't have I don't have $10,000." But that right there for whatever asset you could get to grow at 60%. And you might say to me, there's no way it can grow for 10 years.

Bitcoin’s 10-Year History

I'll go to Bitcoin. last 10 years, 83% rate of return. So if I go back here and I put in 83% instead, what do you think it goes to for 10 years? Is it a million still? I'm going to tell you right now, it's way over a million. 10 years. Boom. $4 million.

The Difference Between 60% and 83%

Folks, that's the difference of, you know, that's the difference of 60% to 83%. Look how much extra money you have and you become a millionaire roughly 38 eight years in. Wow. And that's just starting with 10,000.

Starting With $1,000 and DCA Strategy

If you only start with say $1,000, you make 50 grand a year. And this whole month thing, it it does it's a weird calculator, but it does it for the year divided out. So if I put in 10% it's saying you're going to put in five grand a year and then every year you increase by 3% with your race.

Projected Growth on Salary Contributions

How much of your salary will increase? So it takes this up by 3% a year. And if I hit that and we start with $1,000 and over 10 years putting in 10% of your salary, you would put in 57 grand over those 10 years, but it would equal 3.7 million if we had 83%. I don't believe we would. I believe 60%'s even hard to do as well, to be honest.

Realistic Return Expectations

But you still would have a million dollars if we go 40%. And I think 40% is doable for a few years. Um, you still have a half million. And to me, this is more doable with all the money flowing into crypto over the next 5 to 10 years in, you know, you think about it.

Crypto Catalysts: Governments, Corporations, ETFs

You got governments jumping in, you got corporations jumping in, you got these uh, treasury strategies rolling everywhere. There there is a chance there is a spotty ETF staking, you name it. the SEC is friendly. All this and more and it's going to have a lot of sway in governments as they become more and more powerful. This could happen.

$1,000 Investment Plan: Time to Millionaire Status

And so even starting and put like I said, $1,000. How long does it take to become a crypto millionaire at that point? Let's go 13 years. Yep. More. Not Not Do I need 13 years? There it is. 12 years. 12 years starting with $1,000 and then growing it dcaing through. In other words, I would be saying, you know, same payment every week, you know, blah blah blah and that's it. That is right.

How Many XRP Do You Need?

And so, how many if this is the case, let's just do the $10,000 the $10,000 I showed you how to become a millionaire. If we take $10,000 and we can get that growth rate and I'm going to divide this out by what it costs right now. How much is XRP right now? XRP is 241. We divide it by 241 and we get how many? 4,149 XRP to become a millionaire. Win talk to me.

Timeline with 40% Return

Well, let's go ahead and put it in there again. There is no growth. We're not going to invest any of that. No, no growth, nothing, no income, nothing. But we do have uh we got the 10 grand in there and we're going to say we only get 40%. We only get 40%. How long will it take? And it's going to take probably an extra two years. There you go. It take under 14 years. One time payment. Let it sit. Come back 14 years later. million dollars if it grew like that.

Historical Results as a Guide

I can't tell you if it will or not, but past results are not guaranteed in future results, but it is good to use as a as a guide to the potential of investments. The correlation between these three have been massive and I love seeing it, but it is one that I wanted you to see because a lot of people don't believe it until they see it on the chart.

25-Year Projection at 25% Return

And even with that 10,000 in there, let's just say we can only get 25% interest, but we can do it for 25 years. So, we go 55. How much you think that becomes? I don't even know. I'm guessing. Look at that. 2.6 million with a one-time $10,000 payment down the road 25 years later at only 25%. Remember, the last five years have given us 60%. There you go. That's massive. That is massive.

Crypto vs Traditional Returns

And the Q's average 15% roughly. So even with 10,000 or 15% you get 300,000. I think crypto is going to easily crush this. So I think 25% is doable. And if that is the case, we would be at a million dollars at 21 years. That's a one-time payment. One time payment.

Power of Consistency: DCA Into Crypto

If you start to DCA in man, watch this thing. Just say you do got that $50,000 salary and do say you're putting in that 10%. You're you're increasing your salary by 3%. Watch this. Boom. $13 million. That's 25 years. You got 13 mil. You're still a millionaire at 45 now. 15 years because you're dcing in. But by the time you get to 25 years, 13 mil.

10 More Years of Compounding = 159 Million

You want to see the power of compounding if you keep doing it for 10 more years. 159 mil. Wow. The problem is people start to get money on these good investments and they take it out and spend it and they don't let it grow. Some people don't do that. Some people keep it the way it is.

My Experience and Final Thoughts

Now, I'm I've been trying it. I've been doing it. I've been investing. I I have the portfolio for it and a lot more. So, if you want to follow along with what I'm doing, get the class lessons, the all of the portfolio, the the breadbot charts, the expert traders, all of it and more.Where to Buy XRP — Kraken