Wait for the XRP price to drop, let it drop to 3.0750 and buy 3 coins, and when it rises sell it, but let it drop very much

May the peace, mercy, and blessings of God be upon you. Now I am sitting with a low-risk account and I do not know whether to take the risk and trust in God with a medium-risk account or wait because I still have a small amount of money, approximately 13 USD. What decision can I take in this case?