$XRP Many see XRP as a potential vehicle for wealth and financial success.

They envision a future where XRP’s value rises so dramatically that today’s holders become millionaires, allowing them to retire from active work.

This vision has sparked significant discussion within the XRP community about how to strategically invest in XRP to position oneself for potential financial success and achieve the goal of early retirement. Accordingly, this article examines the potential for retiring with XRP by 2040.

Creating a Retirement Plan

First, the amount needed to retire comfortably varies based on individual factors such as lifestyle, location, health, and expected lifespan. While research offers general guidelines, no single figure applies to everyone.

Financial planners often suggest that retirees need about 70–80% of their pre-retirement income annually to maintain their standard of living. For example, those earning $100,000 annually should aim for $70,000 to $80,000 annually in retirement.

This brings us to the question of how to reach that number. Fidelity’s savings benchmarks recommend saving 10 times your pre-retirement income by age 67 to ensure a comfortable retirement. For example, if your salary is $67,920, the U.S. average in 2024, you would need around $679,200 saved by age 67.

Meanwhile, a 2025 study by Northwestern Mutual found that Americans believe they need an average of $1.26 million to retire comfortably. Similarly, Charles Schwab’s 2024 survey suggests a “magic number” of $1.8 million.

However, the required retirement amount can be much lower in countries with significantly lower costs of living. In such places, retiring comfortably may not require millions of dollars.

Still, the overarching theme remains: accumulating up to $1 million is a retirement goal for many, due to the financial freedom such funds can provide. This brings us to the question of how XRP can help build a $1 million retirement fund by 2040. This estimate considers a 15-year time frame from now.

Investing in XRP to Retire by 2040

How quickly one reaches a $1 million target with XRP largely depends on the initial investment and the token’s future price. For example, someone holding 100,000 XRP could reach $1 million if XRP reaches a price of $10.

However, purchasing 100,000 XRP is financially out of reach for most retail investors. Today, it would cost over $200,000, a substantial amount that few are willing or able to invest.

Retiring by Holding 10,000 XRP

Let’s reduce the threshold to 10,000 XRP. This would require an investment of approximately $20,000 today. If XRP were to hit $100 per token, this holding would be worth $1 million.

According to a recent forecast by the Changelly crypto exchange, XRP could indeed exceed $100 by 2040. Specifically, their research suggests a minimum price of $170 for XRP by January 2040. In this scenario, holding 10,000 XRP would result in a portfolio worth $1.7 million in 15 years.

However, Changelly’s $170 prediction is their conservative estimate. They also project a potential XRP price of $1,474 by December 2040. At that rate, 10,000 XRP would be worth over $14.7 million. Notably, 10,000 XRP currently costs around $21,600.

Retiring by Holding 1,000 XRP

Meanwhile, if XRP does reach $1,474 by 2040, one would need far less initial capital to hit the $1 million goal. Specifically, just 700 XRP, worth about $1,512 today, would grow to approximately $1.03 million at that projected future price.

Final Thoughts

While these projections are undeniably exciting, it’s important to remember that predictions such as XRP reaching $1,474 by 2040 are speculative and not guaranteed. Investors should approach such scenarios with cautious optimism and consider diversifying their investments to manage risk.

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