XRP Developer Reveals Blueprint to Retire Early Within Years

Forget the 401(k). An XRP developer just dropped a roadmap for early retirement—and it doesn't involve waiting decades.

The Crypto Fast-Track

While traditional finance preaches slow-and-steady, the crypto space operates on a different clock. The developer's strategy hinges on strategic accumulation during market cycles, not the slow drip of a pension fund. It's a high-conviction play on blockchain utility winning long-term.

Timing the Tides, Not Timing the Market

The plan reportedly avoids the trap of daily charts. Instead, it focuses on identifying fundamental adoption milestones for XRP and related technologies. The goal isn't to catch every peak, but to be positioned before the wave of institutional and real-world use cases hits.

A Reality Check from Finance

Of course, your average financial advisor would have a coronary—they still think a 5% annual return is something to write home about. This approach requires a stomach for volatility that would make traditional portfolio managers swap their blue-chip stocks for blue pills.

The message is clear: in a world of digital asset acceleration, the old retirement playbook is obsolete. The new one is being written by builders who see the code behind the currency.

XRP Emerges As Shortcut To Early Retirement

A DropCoin XRPL developer, identified as ‘Bird’ on X, announced on Thursday, January 22, that buying and holding XRP at current prices could help investors retire within a few years. The bold claim quickly caught the attention of many in the crypto community, with some asking the developers to elaborate on the strategies involved and the expected timeline for achieving such wealth. 

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Not stopping there, Bird claimed that investing in the token could eliminate the need for a job, suggesting that long-term investors may eventually rely on the potential profits from their holdings as a primary source of income. His statements were in response to a post by Watcher.Guru, which the developer directly referenced to support his optimistic long-term outlook. 

In that post, Watcher Guru quoted a statement reportedly made by Binance’s founder ChangPeng Zhao, who also agreed that holding crypto assets over time could make jobs unnecessary and allow investors to retire sooner than planned. The Ledger developer shared a screenshot of Zhao making similar remarks about Artificial Intelligence, suggesting that the Binance founder views both crypto and AI as powerful tools for achieving long-term financial freedom. 

A crypto community member who responded to Bird’s post questioned how long an investor has to hold XRP before retiring early. The developer answered humorously that it could be held indefinitely, adding that some investors could reach early retirement this year, while others may need a few more years. He emphasized that the timeline ultimately depends on how many tokens an investor holds.  

How High The Altcoin Could Rise To Enable Early Retirement

Addressing questions from the crypto community members, Bird shared his outlook on how high he believes XRP’s price could rise, helping investors achieve early retirement. He predicted that within the next few years, the cryptocurrency could rise to $100 and beyond—a significant jump from its current market price of around $1.90. 

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The Ledger developer suggested that reaching $100 could be a gradual process for the altcoin, forecasting an initial rally to $10 in the First Quarter (Q1) of 2026. Notably, Bird’s remarks reflect a classic buy-the-dip and hold strategy, where investors accumulate during downtrends and patiently wait for the price to rally explosively before taking profits.