Ripple Just Got Into Europe While 80% Of Crypto Got LOCKED Out

Hey, it's Kamilah Stevenson, and around here we talk wealth. What's going on, family? How are you today? Got some great, uh, updates ahead, and I think it's going to encourage you all. What's up from the Netherlands? I see you, Kevin the Spider. I like that name. Hey, Roosevelt, what's going on? Go ahead and like the video, uh, subscribe if you have not already, share this video, uh, with someone who needs, to know to be calm, you know, to, to be, to be calmed down, uh, during this market, during this sell-off. Uh, I've been watching the price. I want to share with you what I've been doing today. And, um, yeah, I, I finally— I, I won't share it here because I have to share with my coaching community first, my inner circle, which I'll be meeting with right after this. Uh, but I want to share them Uh, I want to share with them an option play that I got into. I haven't gotten into a, a long-term option play for quite some time, but I did today because finally there was an entry point that I could not ignore. So I'm going to talk to them about that, and then I'll share with you guys next week. But I always, uh, share with my inner circle what is going on first. I don't want nobody on here to just go and just buy stuff because I'm buying it, you know. Um, so I, I don't want to just throw it out there. I want to educate my community on it. And then there's another, there's another cryptocurrency. It's more of a speculative utility coin. I'm going to share that in my membership next week as well, uh, that I've been dollar-cost averaging into. And I actually bought some today. I'll tell you a little bit of what I bought today. But what's going on, uh, from Oregon in the house? Again, go ahead and hit that like button, hit the like button, hit the like button. It helps. To push the video out. And sometimes, sometimes the videos are hidden for some reason. They shadow ban you if you, you saying stuff that they don't want you to say. I try to be careful on what I say on here. I don't say— I hold back a lot because I don't, I don't want to get, um, like a warning or anything. And a lot of YouTubers, you, you're not as free as what you think you are, but you're really not. So I have to say more things with my inner circle, uh, than I can share here on— or with my community in general— than I can share on here and you on YouTube. All right, so what's going on everybody though? Go ahead, like I said, like the button or hit the like button. And let me say, nothing I share is, uh, financial advice to you. Everything I share is for educational and entertainment purposes only. I feel good, uh, going into July. I feel good. The prices have come down. I've shared with you guys my thoughts on that and why I get a bit excited. Because I feel like the low— first of all, the fact that we've been accumulating for quite some time at these levels and even coming down, it makes me feel good about the, the, the change in direction. If this thing would have just taken off like very quickly, I wouldn't trust it. So I trust it more as we are forming structure at these levels and forming a bottom, a bottom, and that it's not taking off really quick. And I would love nothing but— like I said the last time I talked to you guys, I would love nothing better than to see another leg down because it gets rid of the, the sellers at higher levels. And I know those same sellers are going to buy it or sell at the bottom and then come and buy at the top. It's just how it works, and they'll push the price up higher. And so I'll explain to you why I, I— there, there could be a sudden switch. The thing is that we're all negotiating is when, when, when, and no one really can tell you when, to be honest. We can see things lining, lining up, but here's what I was thinking right before I got on. I said, I was thinking to myself, the, the per— the investor You want to know the investor that can make the biggest mistakes and still win? There's an investor that if they do one thing, they can actually make mistakes and still win huge. And you, you want to know who that investor is? That is the investor that has a long enough time horizon. When you have a long enough time horizon, you actually can make more mistakes. Right? Because you have a long enough time horizon for whatever. Like, if you bought the— at a bad price, just like people who bought at the top. The problem isn't that you bought at the top. The problem is you bought at the top and then sold at the bottom. You see, and sold at the bottom, that becomes the bigger issue. The problem is not that you bought at the top. Why? Because if you will wait long enough, even if it come down, if you will wait long enough for it to retract and come back up, then that little mistake didn't cost you nothing. It didn't cost you anything, right? So I love to see it, Don J. Uh, Rise and Mercury, you know, if you— I don't, I don't particularly buy those, um, but just because I don't buy it don't mean that you shouldn't buy it if you believe in it, if you've studied exactly the projects and what they're doing, then it's totally fine. Um, Merck, a lot of people like it, a lot of people are investing in it. It's just not a part of my portfolio strategy. And, and I'm telling you, I don't really need to add much more to the portfolio I already have because I'm holding still a lot of cryptocurrency from before, uh, we, we went into this bear market, right? So I don't want to add anything else. I just want to load up on the utility coins that I believe in long term, and I want to kind of stay positioned in some of the assets that I bought last year that were down. But I am— hey, Jay Positive, what's going on? But I am dollar-cost averaging on a few of those speculative plays that I was, uh, that I was really down on. So, um, and some of them have rebounded. Um, so I'll talk about that a little bit in my membership. But go ahead again, like the video, and I want to get into exactly what's going on and just tell you to stay positioned. It's a great time to buy. I'll let you know exactly what I bought and what, uh, what happened in my orders today because I did purchase a large order because, uh, I I saw a great, a great time to buy. And so I made a few changes at the last minute, actually, and I'm going to share that in a minute, um, on what I did. But first I want to, uh, and I'll, I'll be looking at the comments, but I want to get into this. Um, yeah, yeah, yeah, this is so true. I have to wait 4 years, uh, more to meet the Roth IRA rules, so flip and flop all of it. Yep, I'm buying the dips. Yeah. Um, you know, I'm trying to simplify this for you guys. It's, it's really easier than what you think. I'm trying to simplify, but it is so hard. Patience is a quality that you have to build. It is so hard. But I want you to know that if you're down, I get it. I know people are frightened, but listen, I'm gonna bring you some perspective right now today and, and help you to understand what, what these flip of the switch moments could look like, okay? Um, because if you're not positioned, you, you're gonna get left behind, right? And so, and again, I'm not giving you a win, I'm just telling you to look at what's going on. I'm going to give you some data today. What's going on, uh, Sunish, uh, what is it, Sunish Short, uh, Shatra, sorry. All right, sending love from the SF Bay Area, I love to see it. Thank you so much, EJS Empire. So obviously the market is selling off. And again, I'm going to share with you some of the moves that I made. And a lot of people are nervous. I get it, I get it, I get it. I talk to people, I look at the comments, I see it. But while we got this dip going on, I want to share something that happened with Ripple because Ripple just got handed something that most companies in this entire space would give anything to have, and they can't. They got cleared to operate across all of Europe. Just follow me because I'm going to help you to understand why this is important. 30 countries, one approval. And the timing of when it's happening, because a lot of people don't even know when the door is closed for that, is very strategic. And, and, and nobody's connecting the dots, okay? So let me just tell you what happened, and of course I'm going to educate you so you can kind of have perspective, because that's what I want you to have. If you have perspective, then you'll know how to move in this environment. And yes, I love Z-Back for sure. Hey, from Northern Canada, what's going on? So Here's what happened. On— is it yesterday? I think it was yesterday. A regulator in Luxembourg— I think that's how you pronounce it— uh, gave Ripple a preliminary green light for what is called a CASP license under Europe's big new crypto rulebook, MICA. I think I used to call it Micah, maybe because my son's name is Micah, but, uh, but it's pronounced MICA. And, uh, CASP is a crypto asset, uh, service provider, crypto asset service provider. So let me— a lot of you all may, uh, hear a lot of people talking about MICA. That's M-I-C-A. MICA, uh, when I say MICA, I'm talking about MICA compliant. But I want, I want you to know what it is real quick because that— a lot of people are saying that word and I don't want you to misunderstand what that word means, okay? Because MICA is the reason why all of this matters, what I'm about to talk about. So MICA is just Europe's big new rule book rulebook for crypto. That's it. They, they, they have a rulebook for crypto. So it, it is a— it's just a set of rules that say if you want to operate in Europe, here's what you have to follow to be allowed in. That's it. And so to them, you're either going to be compliant, meaning you follow the rules and you get cleared to operate here, or you're not and you just get locked out. Okay, so this is what happened with Tether. If you notice a few days ago when a lot of people were talking about, you know, or maybe a week ago Tether being locked out. So Tether is the biggest stablecoin in the world, okay? They— and they got pulled from all the European exchanges because it was not compliant with the new rules. So basically Europe said, hey, you out of here, you can't, you can't operate here. So when I say Ripple just got, uh, cleared as MICA compliant across the entire continent, what it means is that now they're on They're inside of that rule book, so they're clear to operate, but a lot of people are not cleared. Okay, so now this is preliminary, let me just say that. So there's still some final conditions that they got to make with this, but once it's done, Ripple can offer regulated crypto and stablecoin payments across all 30 countries in the European Economic Area through that one single approval. Okay, so that license gives them access to the entire continent. Now, why do I care about a license, and why should you? Well, I'll tell you, because everything Ripple is doing is important for XRP in, in indirect ways. Okay, a license is a permission to exist in a market. It doesn't matter how good your tech is, if you don't have a license, that license that's needed, you are locked outside and you legally cannot touch the banks and the businesses there. Now with it, you are inside and you're clear to handle money for institutions. So Ripple just got the legal right to walk into the biggest banks on an entire continent and say, we are cleared to do business with you today. Okay, and this, this part is exciting to me, and it's the timing, because I'm looking at the date and I'm like, uh-oh, a lot of people gonna be out of luck. Because in July, didn't— it's what, it's the 24th today, and Europe started to enforce these rules, um, real heavily, that any, any crypto company there without this license is pretty much breaking a law. So they started to push this, and by the middle of this year, almost about 80% of crypto firms in Europe did not have their license. So Europe has basically drew like a rope around the entire market in Europe and said, listen, whoever is inside by July— by July, I don't know the exact date, but by July gets to play on, you know, in Europe, on the rule, in the rules, and everybody else is out. So there's a lot of industry that's still scrambling on the other side of this. Which even some of the biggest names, uh, are getting rejected as well. So Ripple is now at the table. They hold 75 licenses, and I'll tell you why this is even more important, around the world. And you know what they did? What they did was very, very boring early work. And now what they did, because of that boring work, that the— because of the movements that they were making ahead of everybody else, they've now inherited the market while everybody is still trying to catch up and get inside. And that same license, uh, also not only clears Ripple payments, but it opens up the door for European clients to issue and redeem Ripple's regulated dollar. Y'all know what that is, RLUSD, under, uh, Europe's rules. Now, July 1st— okay, thanks so much, Jen. Um, so July 1st, they outside the door. Okay, do y'all understand what that looks like for the competition and what's going on? Okay. And, um, yes, MICA compliant is, um, it's, you know, every country kind of has their regulations that they're moving by. U.S. better get on it. Come on, let's go, let's go. Because Japan wants U.S. to go ahead and get the Clarity Act, uh, signed also. Now I heard an interview today, and I mean, it looks like they're We'll see. We'll just see. I, I'm tired of talking about it, to be honest. I, I really am. I'm tired of going back and forth with, oh, they said okay, now they say get pushed back, and oh, it's going to be this date, and oh, it's in March, and oh, it's in April, and oh, it's in— you know, and it's like, let's just come on, y'all. Let's, let's get it done. Now let me, let me help, because a lot of people I find are— they keep, they keep waiting for Ripple to break into the financial system one day, and I think they're missing Ripple They're— I think they're missing what Ripple has been doing over a decade. I, I don't like, like, people who are new to this or who got in last year and all of a sudden— remember, when you start seeing stuff in the headlines and things and people are talking about it, the movements have already been made, the positions have already, uh, been there. You know, you got to think about what they have actually built. For years they have run a global— most people don't even know what Ripple do. I still gotta help people to understand Ripple is a company and what they do. And some people think that they're— they're— they need— they don't need XRP. They, they just— they have, um, they have their targets for what they think they're going to make by the end of the year without anything to do with XRP. Okay, so Ripple, they have run a global payment network connecting banks and payment companies hundreds of institutions across 60+ markets moving money, uh, over $100 billion in volume through it. Okay, you do know that that is a company that already has its hand inside, inside of the plumbing of how money moves around the world. They're not waiting. They already have their hand inside, and they're smart. I'm gonna tell you why, right? So yep, loading up on XRP and XLM. Both of it. Okay, here is the strategic genius of it all, so follow me. The old system that moves money internationally, the messaging network that the banks have used for over 50 years, that's slow. Okay, it never was— it was never built to actually move value. It just, it just sends a message, and what the message says is, hey, pay this person., and then the money goes through a chain of middlemen over days. Ripple, which a lot of people think they're competing— they're not competing. They did something smarter. Pay attention to what they did. Ripple, um, Ripple— what I'm— when I say that, so you got to know the context of what I'm saying. I'm saying they don't need XRP for their business to generate income. They have a generating income business. And a lot of people think that— a lot of people misunderstand and think that their business model is XRP. It's not. In the same way that some, like, like some companies hold, like MicroStrategy, a bunch of— you see they still thriving when XRP is down. They don't— XRP, obviously they wouldn't do well at this moment because XRP is at a dollar. So their model for generating income doesn't need XRP to be at a high price for them to be a successful business. That's what I'm trying to explain to you. They make their own money, and no, a lot of people don't know that. They think that Ripple is XRP, like Ripple holding XRP is what brings them and generate their money. No, they are a business, an enterprise that makes their money in the system that they make it, and they have projections right now. I forgot what the exact projections are, but They're— it's in the billions, okay? Without XRP. Without XRP. Do you hear what I'm saying? Without XRP. They're, they're not including XRP on their books for that valuation of what they'll make. Do you get what I'm saying? I hope I'm explaining that right. So, um, that's what I mean by that question. So I'm trying to, uh— so for this question, I'm trying to help you to understand. No, they, they don't need XRP right now to be successful and to generate money. Their gen— their model isn't Oh, if you know we hold a bunch of XRP and that's the valuation of Ripple. No, it doesn't work that Ripple is a company and they already got their— they're moving, they've already moved hundreds of billions of dollars. Okay, and so, um, so that's what I'm trying to help you to understand is that now when XRP goes high, yes, they're going to be very, very, very wealthy. Thank you, thank you. I'm happy that— because if, if I'm If you don't understand it, just let me know so I can help to explain it right. But there— but when XRP— because they do hold a lot of XRP, yeah, they're gonna make trillions. He's gonna be a very wealthy guy. But I'm just saying, apart from that, you know, they, they don't need XRP on their books to say, oh, we're generating a billion dollars. Their aim is towards that already. They are, they are a business aside from that. But that is an asset that's on their books, and they benefit, they incentivize. Absolutely. If XRP So of course they want XRP to go, uh, to be priced high, you know. But I just want to separate the business model of Ripple. Ripple is a business and there are investors that's invested in their business model, okay. So, um, but again, they are— they're not competing, uh, uh, they're not competing with, um, with the messaging system. They're not competing with the old system, okay. What Ripple did is Ripple did something much smarter, which is they embedded themselves right next to that old system. They plugged into the same banks, they learned the same rules, they got the same licenses, and they offered a faster rail underneath. Okay, so instead of fighting the system from the outside, what they did was they positioned themselves to become to become the upgrade inside of that system. And now they got access to Europe. So I'm just trying to help you to understand how they position themselves in all of these years. And yes, they do say that XRP is their North Star, and every movement and position they make is to hopefully allow XRP to shine. Okay, now, so I need you to know that the adoption that a lot of people are waiting on— we waiting on institutional adoption it is a, it is a slow build that's been happening underneath our feet at the entire time, okay? And let me just say this because I have to also give you this caveat. Yep, the North Star, um, and so it helps me to understand, okay, the reason why they're making their movements, but they've been so strategic, okay? And I'm not saying that I 100%, like, I, I don't— it's not that I 100% agree with every, every single thing that a business does, but I'm just telling you they're very strategic and The reason why XRP is going to do well, honestly, is because they have a, a brilliant business model that considers them the— their North Star. Okay, so you want to know who's backing this asset in a sense, right? Let me debunk something really quick because I already know that here's what, here's what I hear a lot of people say at the same time. They'll say, uh, yeah, you can buy XRP on Robinhood, uh, Nikki, but I wouldn't buy it on Robinhood. Um, thank you so much, Harold. Um, I hear people always say, ah yeah, Ripple making these movements, but they, they, they tricked y'all. They, you know, um, they bamboozled y'all because all they doing is, um, making these movements for RLUSD. Okay. Um, I love to see it, Ladonna. Ladonna, I love to see it. Yes, yes, yes. And I'll I'll mention something also about that because at these prices, my goodness, I mean, the ROI is going to be phenomenal. Um, where, uh, so you can buy it on, uh, insta— you can buy it on, um, institutional— in an institutional account like, uh, iTrust Capital. You can buy it on the exchanges. Just if you buy it on the exchanges, I suggest you move it off the exchanges either to a cold wallet or institutional, uh, custody account. Okay, so if quickest way for you if you're looking to buy crypto is to open up like a Coinbase or a Kraken account or an Uphold account. I use Kraken, um, from time to time and purchase it there and then move it to a cold wallet or move it to an institutional custody account. Or if you don't want to deal with cold wallets, you can go ahead and open up an institutional custody account and just buy from there. Uh, so that would be the way that you do that. And it was one more question. Um, okay, so this is a good question. So this is the, the case that a lot of people start asking. Uh, they will have the one-to-one through RLUSD, but XRP will be running on these rails, correct? So yes, you first— any, anything that runs on the rails has to utilize XRP. It burns, it's like gas. It's almost like having a car and you can't drive it without the gas, right? So nothing can move across the ledger without XRP. And every time some value moves across the ledger, it burns a little bit of XRP. So it's a deflationary asset, which is good. It's not inflationary. You can't make more than what it is. So this is the most that will ever exist today of XRP, and tomorrow will be the most, and it goes down. And each day and each time, and when you have a lot of activity on the rail, whether it's ROUSD or, you know, how— whatever that looks like, you know, tokenizing real-world assets, the more activity on the rails requires XRP. XRP is the native coin of the XRPL. And so even when you have— when you think about— because a lot of people don't think about AI agents operating, and I'll get to the Super Chat, I see AI agents operating 24 hours a day, not taking a break, going back and forth, back and forth. The volume, the volume increases, and that is going to create more value for XRP as the native coin on the XRP Ledger. And so Um, a lot— but also a lot of people ask about the RUSD, and yes, that door gets open. Um, Ripple is opening the door for their stablecoin RUSD as well. Um, but a lot of people think when that door gets open, because it's— the door is open also in Europe, of course, they think it's— they think that all of a sudden it makes, um, it makes you not need XRP because, oh, they got RUSD and that's what they're going to be using. And what is— when people say that, it shows a misunderstanding of what each one does. So that was a good question. But let me say this to further help you to understand the difference, because some, some, for some reason, people still don't get the difference, right? RLUSD is a dollar. It is a dollar, a digital regulated dollar. And a dollar is wonderful for what a dollar is for, but a dollar is still tied to one country and controlled by an issuer. Okay, the, the whole idea of the clawback feature is that it has to be controlled by an issuer. Okay, that's why XRP don't have no clawback because it doesn't have an issuer, right? So RLUSD has an issuer and that means it can be frozen or it can be reversed. Now picture a payment between two banks that do not share a currency because they don't share the same currency and do not fully trust each other. Say one is in, in Japan and you got the other one in, in Brazil. So neither of them wants to hold the other side dollar coin sitting in the middle of the deal. Like, Brazil don't want to hold Japan's, Japan's don't want to hold, you know, that call— that, that requires trust. And a dollar, it does not magically become a yen or a reais. Is it reais? Re— yeah, Reais, right, for Brazil. Uh, it doesn't magically become that, uh, on its own. So you need a— in order for that transaction to happen, you need a neutral asset in the middle that belongs to no country, no company, that nobody can freeze, that can bridge from one currency into another currency. Not only just bridge, but bridge it in seconds. That is exactly the— that's the exact job of XRP. That's it, right? And a stablecoin can't structurally do that because the moment an asset is a controllable dollar with an owner behind it, it is no longer neutral. And neutral is the entire requirement of that transaction, right? So, and I'm not saying they can't move the RLUSD back, but I'm talking about when it's time to move back and forth into different currencies. And I'm talking about the trust factor. In between. So RLUSD and XRP are not competing for the same seat at all. I don't know why people compare them. They, they're incomparable. They are doing two completely different jobs that actually fit together. The regulated, uh, that you need regulated dollars. I mean, the regulated dollar handles the part that needs to be stable, a stable compliant dollar, and it needs to be compliant, right? Um, but the neutral bridge handles the cross-border currency-to-currency settlement that only a neutral asset can do. RLUSD growing does not repl— and hopefully it does grow, and I, I think it'll eventually take over a lot of the stablecoins. That's just my biased opinion. We'll see what happens in the long run. But RLUSD growing does not replace XRP. It actually means more activity flowing across the rails that XRP sits underneath. And some people think one cancels the other. They are partners, each one of them doing the thing that the other cannot do. And remember, every time RLUSD is moved across XRPL, it does require XRP. Okay, so I just want to explain that because a lot of people still— and I'll continue to explain it. Okay, I will continue to explain it. Now, um, let me— thank you so much, Nero. Um, I appreciate the Super Chat. I appreciate it. I I'm coming into some money, I'm going to pay off my debt. Yes, and I'm, I'm gonna say something about that, but I think I'm just doing, uh, going to double and triple down on XR— oh, I was going to pay off my debt, but I think I'm just going to double and triple down on XRP and XLM, then pay off my debt with the gains I know I'm going to get from it. What do you think? Well, what I think is, when is the gains coming? Do you know? Because if you got a crystal ball, let me know. I'll tell you this much, Um, and this is a great question, by the way. I just love the way you're thinking through this. It's, it's awesome. It's incredible. When you have debt, let's say you have a high— because most credit cards, 25% debt, right? And so you have now— let's say you have $100,000 worth of debt. Maybe some people don't have that. Maybe it's $20,000, maybe it's $10,000, maybe it's $5,000, maybe it's $1,000. There's not enough. You are— every month you are paying interest on that debt, meaning you're losing a certain amount of money, uh, pertaining to how much of debt you have. You can't find an asset that is going to give you a guaranteed 25%— a guaranteed 25% return. Um, What, what asset can you say for sure is going to give you a guaranteed 25% return, right? And so, and I'm not, and I'm not saying it won't, but I'm saying a guarantee— this is a guaranteed 25% return on your debt, okay? So, and that's actually a great return. If somebody could tell me, uh, how can I get 25% on this whatever amount and it's guaranteed, that I mean, you can't— where are you gonna find that at? High-yielding savings account is 4% max. Those went down some. Uh, the stock market, you know, you know, could be 10 to 12%, 20%, you know, that's on the high end. Sometimes it's 20. I think it's— I don't know, what does the S&P average? Is it 10 to 12% a year? Sometime higher, sometime— but the average of it or whatever. Um, you can't— it's hard to, uh, you're not gonna get it from the bond. They're not— the bond market not gonna give you no 25% guaranteed unless you Uh, it depends on the— I get— I don't know, I, I never seen no, um, that high. So what I'm just trying to tell you is that it's costing you, and that's a guaranteed return on your money. And not only is it— the, the debt is costing you that much, and every month it's being, it's being tagged on there. You got to pay that, and you know what I'm saying, unless you keep, keep getting it down. So I say that to say that, and you don't— when do you— how do you know? Like, when you say I'm gonna triple down, what if, what if it don't happen for 3 years? I, I'm just saying, like, I don't think it's gonna take that long, but you don't know. You don't know. And so meanwhile, you like loading up on that when you could have had a 25% guaranteed return that's eating into your income. So my thoughts is, I never tell people to not invest, but my thoughts are bring that debt down because it's, it's eating away, it's eating, eating. And the whole point is to like be able to have more passive income every month. And, and I just, I want to stick on this for a moment because a lot of people get this wrong and they'll leave like large amounts of debt, you know, and they'll just be going into assets. And that's cool, that's cool to have a percentage, and because you got the opportunity of a lifetime but you got to get that debt down. And, and I don't know how you're going to do it, but if you— well, if you're coming into money, you may want to get it out the way, and then you could come up— because you can come— and it just depends on how much you're positioned or whatever. But you, you want to get that debt out the way because 25— some people got 25% on those credit cards, and it's expensive. And I already know how that looks. Like, I had to dig my way out of stuff like that, you know, for unforeseen circumstances. Okay, um, that wasn't even necessarily on me, but I took responsibility for it. And so I know how to do it. And I'm telling you, it's hard to find a guaranteed 25% return on your money. So that guarantees you, and then you got more passive income to now reallocate back into other things. And you can figure it out, how to come up with some money for assets. Sell something, do some extra work, I don't know, whatever you got to do, do it. You know, and so that's, that's my thought on it. Um, Nairo, uh, I know this is a great opportunity, and yes, if you have no XRP and XLM, uh, definitely get positioned. But if you already got a nice amount and you're like, maybe I should load up more and, and ignore the debt, I, I would say take a nice amount and get that debt paid off. Um, so thank you so much. I appreciate this. Uh, KD, I appreciate this so much. Um, and yeah, I do hope that XRP go off. And nothing I say is financial advice because if it financial advice, because if it went off tomorrow, I don't want you looking at me like, you told me to pay. It's still a good idea to pay off your debt. It still, it still requires discipline. It requires, you know, um, organization. And it's something about your design. This is like, the way I construct things is so that it changes you, because you don't understand, you are the asset. You are actually the asset. And so the movements that you have, like Like, I get that we're investing in these assets and we're invested. You, you gotta trust you. You gotta trust you more than you trust anything else. Like, I trust me. I trust myself more than I trust XRP, right? I invest in myself. I believe that I will have the answers and the direction and the intuition. And you know what I mean? Like, as I continue to grow and make movements that are disciplined, organized, I think it does something to the brain. I think it makes you more knowledgeable. It makes you more you know, um, uh, more advanced. It, it just, it just does something to you. It does something to your decisions. It brings more courage. You start to trust yourself. Why, why you trust yourself? You trust yourself because you're doing the responsible thing. You're doing the grown-up thing. You know that you got to get rid of this debt. You know you got to pay your bills. You know you shouldn't be blowing your money off as a consumer. And so as I start making the right choice every day, I feel like, I feel aligned. I feel good. I feel like Yeah, I'm doing the right thing and, and I, I'm trusting myself more. And the more you trust yourself, the better intuition you have, the better decisions you start to make. And you are really the asset. You are really the asset. And so all it is around that is all about you. It's about you growing in, in the process. Because trust me, anybody who invests in, in these assets and they, and they, and they're patient enough to make it on the other side of stuff, you really are a different human being at that point. You, you really are. You have a lot to offer because you can tell people how you did it, how you— and they could say, oh, you had luck and you had this and all of that. And it's like, no, there was like in the background of this, there was architecture, there was structure, there was sacrifice, there was patience. There were days that I wanted to sell, days where I was down and depressed about looking at my portfolio, but I held on. I stood through it. I got my structure right. I opened up a Roth IRA. I got my cold wallet. I learned how to move it from, you know, uh, the exchanges to the cold wallet. I've, you know, got my limit. Or I am learning. I am, I am the asset. That's why y'all here. You are the asset. And it's more than just an external asset that's going to make you wealthy. You're going to make yourself wealthy because everything that pertains to life and godliness is on the inside of you. And God said, I have, I have given you the power to create wealth. You actually got the power to create wealth, right? So I want you to have confidence in yourself, right? I want you, with some of these decisions that you're making and you're wondering, like, and you're chasing after, like, you know, and you're FOMOing in and you all, my, I'm gonna miss it and stuff. Like, I want you to just trust yourself even more, right, in this process. And so, um, what made you put the word 33 here? I'm just curious. I would really like to know that. Uh, you got to tell me. You got to tell me. I'm a cure— I'm a curious person. I am so curious. Right? And yes, we are about to be rich. We about to be rich. It— I don't know no other way to say it. It's the truth. It's the truth, right? It is the truth. Uh, but Daniel, I'm waiting on you. Uh, I'm scrolling down to see— oh, thank you so much, J Positive. You are, um, such a blessing. All of you guys are such a blessing. Go ahead and like the video. That really helps me as well. Uh, everything is graciously on sale right now. I think people underestimate how Uh, $5, $10 per coin can be, uh, too late for most. Yep, yep, yep. And I, I keep saying it, a little bit, a little bit will go a long way. A little bit will go a long way. A little bit will go a long way, right? I'm telling you, I'm telling you, it don't even take— that means even the people who don't— the have and the have-nots can get wealthy in this. They really can. The haves and the have-nots. Just if you just take what you have, whatever you got, and you sow it. Like, it doesn't take much. That's the season that we're in, is that a small seed can grow big. I'm telling you, I'm telling you. Like, um, and pay off debt and then you can play. Yeah, yeah, yeah, we very, very responsible. I'm telling you, something about getting that debt out the way, you just— it, it's like, it's like You don't, um, you're a slave when you're in that level of debt. Not in the debt that you leverage, okay? That, that is, that is a loan. That's not necessarily like, like in the same way as like a debt, like where I'm indebted, like I owe more than I have, right? That's a loan. So you want to leverage, you want to, uh, take a loan and get your assets, right? In a healthy loan-to-value ratio, okay? But when you're in debt, indebted, in a, in a rat race, like, you know what I'm saying? When you get rid of that debt, you release the chains from your hands, okay? So it's a different, it's a different type of, you know, debt and loans are like different. I'm trying to help you to understand the difference. But I was like, I've seen so many people take years to pay off their student loans, right? Um, I learned this in my 20s. I, I paid off my student loans in my 20s. And, uh, and most people don't do that. But I realized, I said, I'm indebted to a slave system. And I, I just, I don't know how I did it, but I put my mind to say, I'm going to get debt-free from this system. Like, I— it's a system. And I just threw money and threw money. I wasn't buying nothing. I wasn't eating nothing. I was just throwing money to get rid of this debt, get rid of this debt. I do— I don't want the enslavement of debt. And so Um, it makes you think different. It just, it frees you. And I can guarantee you, when that debt is paid off, you're gonna feel a weight come off of your shoulders. You're gonna feel a weight come out because it really is, it's a slave, it's a slavery system that you're in. Um, yeah, so yeah, your fault. Yeah, I agree with this. My 401 ain't paying interest like this, so I pull half out, bought XRP, and if it accumulates, I pull it up. Absolutely, I, I agree with this. If you got all of your, your income in a, in a traditional system, you're not going to get the same upside that you're going to get with crypto. Please listen to this person who just said this. You will not get a return like you're going to get on crypto. I— and I'm not telling you to empty everything. I'm saying if you got even $1,000, you need to move some of that. And they, and they can allow you to move money um, for a Roth IRA, you need, you need to have access to both. You're not gonna get— matter of fact, at some point the stock market will pull back. Um, you're not gonna get a return like, like you are on crypto. So even if you had a— if you're like, oh, I got a 401k and I got a nice amount in there, if you can— even if you have to pay taxes on it now and move— I don't care if it's $1,000, $2,000 put something in, in, in your, like, in digital assets, something, and park it there. I can guarantee you, when you look at these two in the next 10 years, I guarantee you that crypto is gonna blow your mind. It's the only place you can make 30,000% returns, like, on a bull market. Like, you can't make that with no other asset, you know, uh, for the most part, you know. You tell me what kind of, like, XRP making a 30 thousand percent move. These assets have done 1000x. Go back and look at it. I'm just telling you the truth. So, and that's without institutional adoption and on-chain anything, right? So, um, so Nairo, uh, thank you again so much for the Super Chat. Um, so yeah, so then you're paying, um, y'all know I'm a calculator person, so I get my calculator out. So most of those debt, uh, most of that is you know, so you're probably paying, you know, $5,000 a year, um, divided by 12. I always divide everything by 12. So you're paying over $400 just to keep the loan alive, you know what I'm saying? And so, and, and if you're not paying over that, meaning that even if you pay $400 a month, you still— you wouldn't eat into that. But you tell me where, where you're gonna get $5,000. Where if You asked me, so if, if you could tell somebody, hey, I, I want to give you $20,000 and, uh, I want to be able to get $5,000 return on this, that, that's hard to find as a guarantee. That's hard to find. I take that. I give somebody $20,000 for a $5,000 return, um, return in addition to that, right? So what I'm saying is that you're not going to find a return like that. So I'd clean it out as much as I can. Maybe you can take a little bit, you know, even if you bring it all the way down to like $5,000 or something like that. So Uh, because a lot of times people are just thinking about the monthly payments, okay? Like, you want to pay the minimum monthly, you're gonna keep paying for that loan to stay open. And this is not like a loan like you would take against your cash flow policy for a, a cash flow deal. This ain't that. This ain't like I'm, I'm borrowing against my assets to put into something that produces cash for me, and then I keep the loan open because I'm making cash here, and then I'm keeping a loan open there by paying. This ain't that. This is debt. This isn't anything making you money. It's making— it's a liability. It's making you lose money. So there's a difference between having a loan out for something that's making you money and something that's making you lose money, right? So that's the way we got to look at it. That's the problem when people go get, you know, get cars and stuff, and they, oh, we'll get your payment down to this much a month. No, how much am I actually paying? All right, no, don't, don't play me. How much am I paying? And so, and most people don't know. Because I'm telling you, I had to, I had to give some eye-opening tips for some people. I was look— I was doing crunching. I get my computer out, I crunch numbers. This is mathematical stuff. Like, you can't, you can't just be airy and guess this stuff, right? Just like, just like there was a bank that's like, oh, uh, you get 4.5% APY off of up to $20,000, and, um, and then the rest, I guess it was like 3.1% API, but it cost you $10 a month. Right? And you got to crunch the math with that because that seems attractive. Like, okay, APY 4.5%. But what if you got— it depends on how much you got in there and how you got to pay attention to how much more am I really getting. And then you got to crunch the numbers like, but I got to pay $10 a month for this. So it works if you only got $20,000. But once you up to— but what if you got $100,000? Let's crunch the math. Let's see how much this is. APY 4.5%, uh, for $10K, and then my other $90K is at 3, uh, 3.1%. And then I— and, and I see what the average is of both of those, and that includes the interest rates. And then I minus the $10 a month that I'm— am I really getting a profit off of this, like, or am I losing money? You know what I'm saying? You got to crunch numbers. It can't, it can't be, you know— and that's the problem that people have when they when sometimes people sell them, you know, like, oh, this is how much you have. Like, you got to put in inflation sometimes and see what, you know, when your job is paying. You got to do numbers. You got to do numbers, y'all. You got to have math involved in this. Um, and so definitely, um, and you can use AI too. Like, if you get an offer and you're like, okay, zero— this card is offered— like, if you get another card that offer you 0% interest for like 2 years, then— but sometimes you may owe on that card. Like, I'm gonna give y'all a scenario. Say you owe, uh, $6,000. Say you owe $6,000 on one card and then you got $15,000 on another card, and this card is offering you 0% interest if you transfer an amount. Okay, if you transfer an amount. And so, but it won't offer you the 0% on the amount that you owe, then it's, it's probably good if you pay that $6,000 and then you transfer that amount to, to zero and you pay the minimum balance, I guess, until you get— until you can get it.. But sometimes they— you have other cars that offer you a transfer, 0% interest. If you can get that, get it, okay? So, and then another one is refinancing sometimes. But hey, refinancing ain't looking so hot these days after the Fed kept the rates the same, okay? He didn't lower the rates, he, he's gonna maybe raise them. So now borrowing is not going to become cheap, uh, I don't know what the repo market is about to look like, is going to be a problem, okay? Um, so Okay, so yeah, I mean, a lot of people have their opinions about it. I think Ripple is benefiting enormously from the XRP community and is actually misusing XRP. And God forbid, through a terrible thought crossed my mind, XRP could— trust me, um, they own a lot of XRP. Um, who do you think benefits the most if XRP goes up? Who do you think? Do you really think they want XRP at a $1 price? They have more XRP than me and you and everybody else mixed together. You got to think about that. You have to think from a Game of Thrones perspective. Who gets the most incentivized? Do I get the most incentivized if XRP— no. Who gets the most incentivized? Ripple. Brad. You got to think of who gets the most incentivized, okay? He— they— right now, the way they move, uh, their— the, uh, uh, XRP is through from wallet to wallet. It doesn't touch the exchanges. They're not dumping the exchanges. You can go and look at how much the exchanges are— have. It doesn't— the math don't work. They're not dumping. So some people think, oh, Ripple is dumping on the, you know, exchanges and blah blah blah. No, they're going from wallet to wallet. And you got to also think of it like this: if they're, if they're selling XRP or giving XRP to other wallets, they're probably big dogs, right? Institutions. So what are they actually doing? If you think about it, they're actually positioning XRP in the hands of the big players. Here, to this wallet. Here, to you, big player. Here, to you, big player. Let's get everybody in order. Let's get everybody set. Ready, set, go. Okay, you gotta kind of understand that dynamics, but I get what you're saying. I get what you're saying. I just see it very differently, and I'm not saying everything is easy peasy and peaches and cream and all of that, but You, you gotta— who gets incentivized the most? Do you really think they want a $1 XRP? If that— if XRP takes off, he, he's gonna be wealthier than Elon Musk. They, they're gonna be trillionaires. You don't think they want to be trillionaires? I don't know. No wealthy person. Okay, I'll pay it off. Thank you. Yes, yes, yes, yes, yes, pay off your debt. And even if you like take a thousand or two to put into XRP, XLM, the debt is important, right? So, uh, Franzin— don't, don't, don't kill me for messing up this name, right? All right, don't let anyone who gave up on their dream talk you out of pursuing yours. That's right, that's right, absolutely, 100%. And thank you for this Super Chat, thank you so much for this comment. Um, I, I— oh, I love it, I love it, you got your goal together, uh, Bib, uh, 1,000 XRP. Again, thank you, Franz. I, I don't— I'm sorry, I'm pronouncing that name wrong. Say I'm a lazy ass, Dirty Storm. Uh, yes, say aye, Dave Ramsey. I hear you. You know, Dave Ramsey is, is cool for like people who need to be disciplined, right? But I don't agree with the pers— I mean, yes, debt is a, is a— I don't, I just don't agree with the part where you don't leverage your policies and stuff like that, right? That's the part I don't— I think you should leverage as much as you can. So I, I believe in the borrow against, uh, you know, to get other assets and get positioned and stuff like that. So I just take a part of what he's saying is like most people are just like not disciplined and they overspend and they, you know, they live well above their means and just stuff like that. I'm telling you, if you just— if you lower your expenses, you, you— that, that, that in and of itself will just save you a lot of money. If you just lower your expenses. Um, um, love this for you now. I love it too. I love it. I appreciate y'all. Yeah, so, okay, so let me, let me say this also, this last, um, he, he'll kick himself for not putting that money in, uh, XRP. Who? Not Nairo. I, I, you know, if you don't have any, uh, Nairo, like I said, um, I never tell somebody to not invest in anything. I don't know if you're talking about him or somebody else, um, or the person that's talking about Ripple. But it's okay to put a little bit of that. I'm just saying really bite into that, that debt. Bite into it as much as you can. Uh, if you don't have any— so I don't know how much you have and how much you don't have. If you have none, oh, I would say definitely use a little bit. Okay, but if you got a good position and stuff and you just want to use a little bit, I'm just saying just really go after that debt. That's all I'm saying. It'll put you in a very, very good position. Um, and, uh, and you'll— if you already positioned, you'll, you'll still be good. You'll still be good. Um, okay, so let me, um, let me say this too, because yeah, Ellipal is air-gapped. Uh, Ellipal and Keystone, Keystone, Keystone. I think I'm gonna just stick with y'all comments, um, and I, I'll talk about what I was going to talk about next week. But y'all know I'm not gonna be on Saturday because I have a martial arts test. Um, Ellipal is air-gapped and Keystone is also Um, and it's probably even a little bit better than, um, uh, Aleppo. But I love, I love Aleppo. I don't even know, I keep saying I don't even know if I'm saying that right because, um, because I've heard some people say it different. Uh, I just want to tell you, Keystone, something about Keystone that I want to say, which is Keystone is, um, I love this. I'm telling you guys, when it runs, it won't look It won't, it won't. Yeah, we plant. Yep, it won't. I love, I love that. It won't. Um, Keystone Wallet is not keystonewallet.com or keystone.com. It is k-e-y-s-t dot o-n-e dot com. Okay, or just— is it just dot one? Let me see, let me make sure I'm saying this right. Um, oh, it's just that one. Key, uh, K-E-Y-S-T dot O-N-E. That is Keystone's wallet address. And I just got to say that because, you know, so many scam artists out here, they might be like, oh, Keystone spelled their name kind of weird on here, I'm gonna do keystone.com and have the same wallet. And then you on the wrong web page, okay? So I just wanted to say that. All right, uh, Super Platinum girl, you are, you are way ahead of the masses, okay? Um, you are in the top, what, 0.50? You know, you, you more than enough, uh, more than enough. I mean, I'm not, and I'm not saying more than enough like you can't have more, but I'm just saying, yeah, you got a really, really good, uh, position because most people don't. And usually either you got to have a lot of money to get that much, or either you had to start, um, at, you know, you had to start it like when it was 5 cents or something, 17 cents or something like that, right? Um, let me say something else. Let me say something else. Um, also, well, let me bring that— the, uh, the, the reality back. Uh, I'm buying all this week, and I'm gonna tell you what I did differently today, and I'm gonna give you just one quick principle, right? Um, but also remember that if you are not— you have all the way up into the year to fund your Roth IRA. So I did mention something, which is that if you have a 401k and you already have money there, You don't need to add any new money. You can take that money and you can pay taxes on it now, even if it's a small amount, and move it into a Roth IRA, IRA with iTrust Capital. You can call them, they'll help you through the process. And then remember too, when the money gets in the account, remember you got to buy the XRP. Remember to buy the asset, okay? Some people had the money sitting there and was like, oh, I thought it was just gonna magically go up. No, you got to buy the XRP once it's there, right? You know, right away. Uh, you can also do it through a pension as well. And so, uh, that, that's, uh, and you, you can do that, uh, the backdoor Roth. Um, so just want you to know that there, that is the possibility. And if you already have a Roth IRA, say you have a Roth IRA and, um, stocks or whatever, you can actually cash out and move from our— I think you can move automatically from a Roth IRA to a Roth IRA. So you can contact them Uh, the link is in the description. They will give you a $100 funding bonus if you use the link. If you are like, oh, I want to call them and talk to them about this or ask questions, call them, let them know you're from my community, and they will, um, you'll still also get the, um, it's a chess match. Yep, you'll still also get the $100 funding bonus. That is where I personally keep a portion of my crypto, is it in a Roth IRA. And the reason is very simple: when it appreciates, I don't have to pay any taxes. I get to keep all of it, okay? It's just that simple. So they do let you hold XRP, other digital, Quan, XDC, XLM, all of that, HBAR, in a retirement account, including physical metals backed by real physical, um, metals. And, uh, and also they are supposed to be coming out with stocks and bonds. They said in the summertime, so we're still waiting on that. And the link is in the description. Now let me tell you what I did today. Let me tell you what I did today. Um, I— and I just want to make sure I didn't miss a Super Chat. I had a limit order, a large limit order, a large limit order at, uh, sorry, I just saw this. Oh, she's so mad. I know, I know, I know. Family, family probably like, what are you doing, honey? You know, yeah, I get it, I get it. Um, you should talk to her about it though, you know, just communicate. I know, I know, she probably like think it's crazy. You crazy, look at it, it's going down and people gonna get mad. Your family get mad. And hey, if you go even lower Like, she really gonna be mad at you. She gonna think you crazy, right? So just pray and say, hey honey, I'm gonna buy you a new, a new whatever. What you want? What you want? When this thing take off, I, I got you. I, I promise I'm gonna make sure you take care of, you know, negotiate, negotiate with your wife and, and negotiate some kind of way. Um, I want to say, oh, so today I did buy some XRP and Solana. And I bought some XLM, okay? I bought some XLM, but I had a huge order. I had a huge limit order at $1.01, okay? Because I was like, I wanted to break the dollar. I wanted to get it under breaking a dollar, but I was like, you know, sometimes psychologically when you hit certain levels, it'll bounce up or whatever. So I just, I was just like $1.01, right? So then today I, I saw it at $1.04, right? I saw it at $1.04 and I said, you know what, I'm just going to, I'm just going to raise the limit order up and buy it now, right? So that's what I did, that's what I did, because I was like, I'm not about to be, you know, I get my calculator out. I was like, what's 3 cents times how much I'm trying to get? Like, how much am I really saving, you know? So I was like, this don't make sense. I'm, I'm, I'm, I'm, this is 3, a 3-cent difference, right? So I went ahead and purchased it. And I say that to say that I love limit orders because limit orders First of all, you get to park your money there where you don't have to figure out, oh, where is this money gonna come from? Oh my God, it's at a dollar. Where's this money? I need some money. No, it's already parked. You already disciplined yourself to park it there when you got it and you didn't blow it on something else. So it's parked in case anything ever happens, in case there's any volatility, in case it goes when you sleep, okay? Or when you, you know, when I'm in martial arts class punching people and stuff, okay? So I love having the limit orders, but when I saw it, if I'm in a calm condition and I'm close, I'm like, I'm just gonna go ahead and buy this, right? So that's what I did with XRP, and I have, uh, limit orders under a dollar. So I'm like, I'll just wait for it. So I'm happy, I— because I gotta, you know, I, I've been waiting. You guys know I've been waiting, you know, whether it was up to $1.50 when that wasn't too long ago, um, I've been waiting for it to come down close to a dollar. And my limit orders, and I had a limit order already at $1.12. Why did I have a limit order at $1.12 as well? Well, because that was the, that was the last bottom. So I was like, okay, if it does a double bottom, it's going to come back somewhere around the $1.11, $1.12 position. Okay, that was the last bottom, the previous bottom that I bought at. And so, but it broke that second bottom, at least for now, and now it's crept— now, you know, you know bounces back up because it's buyers at certain levels. Um, so right now we're looking at $1.06. It just was at $1.07, but it went to $1.06. Um, but yeah, I was excited because that was my next large order, was around the dollar mark. So I say this to say, this is a great place to buy. I don't care if it goes lower. This is a great, great place to buy. So if you are like one of these people who are like 'No, but didn't you say it was gonna go lower?' My question to you is, if it don't, are you okay? Do you have enough? Okay, because if you have enough, that's cool, right? I know I have enough, but I still parked these— some of these limit orders a long time ago. Okay, so, um, if you don't have a strong position, don't wait, don't wait, don't play that game. Yes, it can break below, and I hope it do because I got limit orders waiting. Okay, I know my next limit order, and I want it to hit there, and I want it to go even lower. However low it can go, drop it like it's hot. This is whatever it's gonna be. I know I become wealthier the low— the, the lower I— it goes and the lower I buy, I become wealthier because the more of the upside that happens, okay? And sometimes if you buy a little extra down, it's kind of like you don't have to wait for a 3-digit. You could say, what if you want to buy— you know, if you buy it under a dollar and you sold it at $6, $7, $8. That's an 8x, okay? That's not a bad— that's not bad at all, y'all, okay? So you have more options the more you can load up, like at more sell points where you can sell and, you know, glide out or whatever. Now, I, I do believe personally you should hold some for your long term. I always say that. I definitely do. I think is where generational wealth is going to be made. That's long term is where generational wealth will be made.. But guess what? You can take a little profit. Like, like, uh, like, sir gotta make sure his wife okay. He can say, hey, when this thing gets to whatever dot, I'm gonna take a little profit and I'm gonna buy you something nice. Okay, um, so yeah, it's all, it's all a game. You just got to stay in the game, guys. Okay, so I'm not going to, uh, say she gonna be happy like Wilma Flintstone when it pay off. That's right. Yeah. So good, good buy order. I see you, I see you. That's, that's awesome, awesome. $1.10, awesome. These are good buying points, you guys. You're never going to get— you're never— after this, after whatever this last little wave or whatever we waiting on and what— however long the accumulation is, I'm not putting the time— you'll probably never be able to buy at these prices again. I'm just telling you what it is. Uh, thank you so much. Check the Contract, what's going on? Good to see you again. There's a new app on the Kent Network, Hecto. It tokenizes private markets. Is this something you would position into? Uh, no, I wouldn't because I don't, I don't know much about it. Um, uh, I'm positioned in Canton, so if it's, if it's, I guess, connected to Canton, maybe it'll do well, you know, in a sense. But, uh, but I don't, I don't know much about it, so I wouldn't. Um, I, I can't position myself in something unless I like investigate it and see if it's institutional adoption. Are there big players involved, uh, what the use case is, um, how much liquidity is going into that direction. And, um, is the liquidity— is it like, uh, is this gonna end soon, or is there real— a real, uh, use case scenario? Is it gonna really be utilized? And, um, how does it play in connection with Canton? So those are things I would have to, um, look into. I'll write it down and just kind of see. There's, there's a lot of projects that, that will do well. Right? There's a lot of problems. So XRP is not the only one. This is a multi-chain movement. So a lot of, a lot of, um, technologies are going to do well with this, right? So, um, tell me you're just rapping without telling me you're rapping. All right, uh, so hey, I got some, uh, don't listen to whoever this is, is not me, okay? Just make sure y'all know whoever this is is not me, all right? Um, and they're, yeah, they're in the chat. So please don't listen. Look at this, email me. I would never get in the chats. How am I doing this at the same time as speaking? Like, this, this person don't even make any sense. They're not even gonna wait for the comments on the after live when it get recorded. They just gonna come in while I'm talking with my hands like this and be my hands up here doing all of this, and I'm talking to y'all and they talking about email me. So I told y'all to email me, right? I told y'all to email me. Like, these people not even using common sense, okay? Like, it's unbelievable. So it's just unbelievable. But anyway, let me go ahead and, uh, um, ban them, okay? Let me just ban them. But it's like, these people are nuts. Thoughts on collateralizing, uh, XRP? I, I, equity, FX, commodities are WA and some others. Yeah, I think when the time is right, um, when it's at a structural level and it's not as much volatility and it's decoupled from Bitcoin— when I say decoupled, meaning it doesn't move to the beat of Bitcoin. You know, if you look at Bitcoin's chart, the altcoins like XRP are following that chart. Now you could see like where XLM decoupled, uh, after the DTCC announcement. Um, but yeah, like it's still, it's still coupled to Bitcoin. And so Uh, we got somebody who got way too much Bitcoin, and if, if, if something were to happen, like Bitcoin would— if too many— if, if the person who owns the majority of Bitcoin all of a sudden wind up, you know, something happened or whatever and they sold or whatever, because XRP is coupled to Bitcoin, it would be a massive sell-off, right? Then we got the reverse carry trade, um, going on. So I wouldn't I wouldn't risk my XRP now. I wouldn't leverage it right now because if, if there's a massive drop, if there's a massive sell-off and it dips, um, you might wind up losing your XRP to make up for your— you being over-leveraged, right? And that's how a lot of people actually lose a lot of money. So I would wait, but some people are okay with it because they have enough of it. Like, if you sit on— if somebody's like, oh well, I got 500,000 XRP, I got a million XRP or whatever, they can choose to gamble with a little bit of their money. And I say gambling at this stage because it's so volatile, you don't really know what it's going to do. But I definitely believe you should collateralize, uh, as it raises in price and there's institutional adoption at scale, at scale. And I think, uh, I don't think you should sell it because you're gonna trigger capital gains, then you're gonna owe some money to the IRS. Hey, what's going on, Dwayne? What's going on? Just paid off my credit card, of which I overpay each month anyway. I love it. Gave me— look at that— $1,500 a month increase. Um, that move is allowing me to put a few other things, uh, to pay a few other things, and vastly allowed me to increase my Roth and other positions. You know my goals. I love to see this. And first of all, thank you for the Super Chat, and thank you for sharing this. Thank you. You see what I'm saying? Like, he paying off his debt, a guaranteed return. Now it's got him an extra $1,500 a month increase, and then he takes that money and he throwing it into an asset that's going to appreciate You got to understand the ROI of that entire flow in that entire move, right? So definitely, you guys, if you have— and if you got to work extra, most people have a cash flow issue more than anything. It's all about where am I going to find extra money for this, you know? Now that's another story, you know, of where you find extra money. And, you know, um, I had a clarity call the other day, and, you know, I told the guy, I said, you— yeah, you gotta— your, your issue isn't Some people don't have a, um, like an appreciation issue. Sometimes they have a preservation issue. Um, sometimes it's just you just— you position— you just gotta— you gotta buy yourself time, like in the meantime. And the reason why you have to get your cash flow— I mean, it's something that's not talked about enough. The reason why you have to get your cash flow and you have to get your emergency fund— I'm not just telling y'all this— the reason why you have to do this is because if you don't have it positioned What's going to happen is if something goes wrong, it would force you to sell. So you got to protect yourself from being forced to sell, because now you'll be forced to sell to pay for something when you could have just had the cash ready to pay for. Now you got to pull out of your assets that would appreciate and gave you a good ROI. So you're going to lose a lot more than what you had to, uh, you know, convert into in the long run. Whatever you had to convert into to pay this whatever that upside would have been, that's how much you really lost. So to have a little cash on hand and to have it on the side, it protects you from selling. So that's why these small little, uh, and anybody who know, when I— if I talk to you, I gotta find out is your foundation, because some people, they, they, you know, folks want to go to the mountain and they don't have a strong— they want to build a tower, and then you look down here and it's like, uh, one day this thing might come cracking down. Because the foundation— it looked pretty, it looked like you moving and shaking, it looked like your investments is all good, but one wrong move, you got a crack in your foundation and you in trouble, you know. So anybody who know, they practice the fundamentals over and over. Foundation is so important. Anybody who master the basics— it's easier to move higher when you master the basics over and over. That's why Kobe Bryant shoot the same shot over and over. I'm gonna shoot this many, you know, just over and over. That's why boxers jab, cross, jab, cross. They never stop jab crossing. They always gonna have the basics. And it— and I'm telling y'all this because some people just want to move so fast and they don't have the basics. And it's like, you, you somewhere along the way is just gonna come crumbling down. And, uh, in martial arts, uh, like, it's a lot of people who there, and, and sometimes, you know, like Like, smooth is, is, is fast, and, and, and fast is smooth. Like, they start fast and they be sloppy. I'm like, you sloppy. You're not— you know, your jab crosses off, you don't have good posture, your, your, your elbows are totally bad, you got bad form, and you trying to move fast and you don't even got the form together. You're not going anywhere because you're gonna have 5 hits that's not even aimed at the right person. Somebody gonna knock you out. You think that fast moving is No, all they need is one good punch because you all over the place and you trying to move fast, and all they need is one uppercut to your face and you out of here. So we gotta kind of sometimes slow down and make sure that that foundation is, is right, all right? And I— and sometimes— and you can tell them over— I can get certain people, you tell them over and over and over, and, and the, you know, the ones who've been there for a while, we like, slow down, slow, slow down. No, because you like, first of all, you almost hit me in the face, you know what I'm saying? When you're supposed to be practicing this because you moving too slow down. They don't listen. They still, they still fast and sloppy, you know. And I'm like, I just, I just, I'm a foundations person. I'm a foundations person. I can't, I can't do this, you know. You want to go deep, you want to go higher and stuff, your foundation is not there. And it's just like a home, you got to build the foundation, okay. So I just want to share that. But let me get into the last of the Super Chats. I, I, first of all, thank you so much, Beauty Supply I first got into XRP at its high, $3.50. No worries, but I've DCA'd my average cost down to $1.15. I'm stoked. Look at that. Look at that. Waited long enough. Waited long enough. Waited. But no, somebody else, it went from $3.50 to $2.50 to $2. I'm out. I'm out. I'm scared. I'm the— you did it the right way. This is very inspiring. And as you see, her dollar— she took some patience, brought that dollar cost average from $3.50 all the way down to $1.15. Come on, you did it the right way. This is awesome, this is awesome. Uh, thank you so much, Percy, I appreciate you. Um, hey, Beautiful Queen of Finance, I'm not an accredited investor through income, but they passed a law 3 years ago where I can become accredited through a test. Any advice? Hey, if you can, yeah, because you'll get the private deals, you'll get the deals that other people ain't getting if you become accredited through a test. I didn't even know that that existed. But thanks first of all for sharing. Uh, second of all, um, yeah, because your network has to reach 7 figures for you to be accredited. So if you can somehow become accredited through a test, why not? You'll be able to have access to deals that other people don't get access to. So that creates more opportunity. The only time you sometimes can get access to certain deals is by knowing the right people, being in the right like environment, or having a net worth worth of, you know, millions of dollars. And so, um, that's why the elite get, get first cuts, and, um, they're gonna get the bigger upside to the move. So let me just say this also, if you're interested in, you know, private equity deals, private deals, you know, investing in businesses, um, in the private market, then yeah, if— but if you're not going to use it, you know, does it cost— does it— is it requiring time? If it's just a test and it's like little friction Um, and you feel like at some point you can have opportunity, I don't see a problem with it. Uh, but thanks so much for sharing that. Uh, you got a great opportunity there, great opportunity. Um, all right, uh, when you say mass surveillance, uh, how do you protect and separate your assets and money from mass surveillance? Um, pay for stuff in cash. I mean, if you want to go back gold and silver take your dollars with you and buy it and go. And because other than that, I mean, if you buy with your— anything you buy with your checking account, they can track all of that, um, technically. Um, yeah, or, or have it on you in a safe or whatever. Uh, yeah, you— that's, that's the only way is pay for things in cash, pay for assets in cash, uh, which is very difficult to do when you're like paying through like stock market, or if you're buying silver and gold online, or You know, when you're buying digital assets, tech up. Now, if you— when you're moving into a cold wallet, I mean, technically there's no way they can reach your cold wallet. Technically, like, who— you know what I'm saying? Even if they see it, they don't know it's your— they don't know it's yours, you know what I'm saying? A cold wallet, it has the address. The address is public, but who has this wallet? You don't know who has this wallet. Um, so I don't have it. So, you know, yeah, that's— yeah, you gotta buy stuff in cash. Um, and I do buy some stuff in cash, like silver and gold. So— oh, no problem, George. I don't care about how you spell my name. Uh, you guys are awesome. You guys are asking good questions. I appreciate all of you guys. Listen, I got to get on with my inner circle, and, um, we gonna work on our structures, do some Q&A, and then I'm gonna tell them what I got into. Some— like I said, I just made a— I haven't made any, like, LEAP option plays for quite some time., and I just got into a— I just, yeah, I just kind of loaded up on something because I saw, uh, buy, buy, buy signals, you know. And remember, you can be wrong if you have the time horizon, right? So I made sure I gave myself a time horizon, um, for when I will take profits with this. So, uh, that, that, that kind of protects you, and that's a principle I want you guys to understand. And so get in your mind, uh, we do want these assets to go To the moon, you know, we praying for the Clarity Act and we're just accumulating and positioning. You know, if it takes off, great, we, we in position. If it goes lower, great, we dollar cost average and we, and we gain more and, and we gain the ability to have more options and, and to also sell at lower points or to have our net worth. It doesn't have to reach, you know, if you accumulate at the bottom, it don't have to reach 3 digits maybe for you. For some people, some people like, all I need is $10 because I've accumulated. So the more you accumulate, you bring the, the idea of like, oh, I got it to go to the moon, I have to have it go to the moon before I make some real money off of this. Thank you so much, Dwayne, you are always so kind. I was disciplined without structure before my one-on-one with Dr. K. She sent me a portfolio after our call and page 9 had me on fire. I love to see it. And yes, I, when I do my calls, um, I sit down. Thank you. So Dwayne is amazing. I mean, and he, but he is the reason why he's where he is. He did the work. He implemented. It's not just me, you know. You gotta take the information and you got to do the work. And so I do want to say that he's done the work. He's done the work, okay? And, um, but I do sit down, I give you, uh, I, I summarize everything. I give you a game plan. I give you action items. Here, you need to do this, you need to do this, all the resources that you need. And we map out a plan that's good for you. And so that is what I do on my one-on-one Uh, cause I don't have the link in the description. I'll add it in case anybody's interested. I will say Kenny said this: pay off your debt— credit card, auto loans, furniture loans, etc. Once you do, that opens the door to invest. Get rid of that high-interest debt. And Kenny is— he preaching. That's, that's how he— get rid of that debt. I had 7 credit cards, $45,000, $18,000 car. Get rid of that debt. It will open up the door. I'm telling you, y'all got to get rid of this debt. Got to figure out how to get some cash, sell some stuff, do whatever you got to do. Kenny is preaching a good word right here. Get rid of that debt, become responsible, become accountable. Um, say you're winning, I'm proud of you. Yes, and, and all of you all who are implementing and you are doing what you're supposed to do, keep moving forward. Don't get fudded, don't get scared, don't listen to the noise. It's a lot happening day to day and day to day, you know. Just set yourself, set your face like a flint and, and let's get to work. Let's get to work. And yes, Tiffany, he is preaching. And on that note, uh, I, I, that, that's the last thing I'm gonna say. Get rid of that debt, get some cash flow, do whatever you got to do, get your accumulation process going, get your debt, um, process going. Hey, let's do two things at the same time. We got to figure it out. Okay? But the moment I bring that to your attention to get that debt out the way, now we start opening up creativity in our mind. We don't ignore it. We try to figure out— don't say, oh, I don't have them. No, no, no, no, no. You do. You do. You have the creativity, right? So how we gonna move it to not I don't have the money. No. How will I get the money to pay off that debt and start investing more in assets? How? Because the moment you switch to how, the creative juices start flowing. You gonna figure it out. How can I do that? That is the question I want you to ask yourself if you are, um, struggling with debt or struggling with not having enough cash. How am I gonna do this? And you're gonna brainstorm and you're gonna think through it. Your mind gonna expand. Okay, all right. Um, yeah, no, Caleb and Brown is not in Canada. Um, so, um, a lot of people are asking about Canada. I'll write that down and figure out um, some other— I gotta talk to them now. I'm just— can y'all open up in Canada? So I don't know what to tell you. Uh, George, do I have IG? I do have an IG page, George, and, um, but I'm not on it as much. My team is usually on it. Sometimes I'm on it. Um, you can email me, uh, but I will tell you, sometimes you can imagine if you got thousands of people, I'm not gonna get back to everybody's email. I'll try to look into it. Some people will come in at— I can't get to everybody's emails all the time. Uh, it's like a full-time job, so sometimes I'll go on the weekends and just really flesh out, but it literally can take hours for me to do it. But honestly, it's, it's so, it's so difficult. Um, but George, you can definitely email me. Uh, I've had my— I'll put my email in the, in the, um, inside and just say this is George. Just say this is George because I see you all the time. So, but I'm going to tell most of you guys, I don't really answer a lot of my emails. If you've done a one-on-one with me and you reaching out for something, yes, I you know, but I just— it's just a lot. I don't— I'm only one person. I just— I can't— I can't get to everything, right? And so, um, yeah, I don't know what else to say about that. It's just too— I just don't have the time. I wish I could expand to— yeah, I don't know, 48 hours a day or something like that, but I try my best. So if you have— if you do email me and it takes me a few days to get back to you, um, but sometimes people will email me and ask me questions like about the market, or— and now I'm going into coaching and stuff, and it's difficult. That's difficult for me to do because that takes that requires a lot of time because now I got to go back and forth with you and ask you questions. And so now I'm like kind of coaching you right now. So it's very, very difficult. Um, if you, you gotta book a— you got to get into my circle. That's where I avail myself for coaching questions and stuff like that. So, but that's what I do, come here and ask questions. So if you— if I'm here and you want to ask a question, I try to get to you, especially on a Super Chat, out of respect. That is just the respecting— that, that's the, that's the respect of YouTube. If you, you do a question through Super Chat, you, um, answer it. Um, it's my way of saying thank you or whatever. And but y'all see, I do try to get to other people's questions too, but it's— I can't get to everybody's questions. But, uh, I pour out as much as I can. I do pay attention to what you say. I try to come on here and give you, uh, the answer to that as much as possible. Um, and I'll keep— I'll keep doing that. I love you guys so much, and I appreciate all of y'all. Uh, let's do it together. Let's— let's continue to build and to grow and to win together. And as always, I want you to stay wise, stay wealthy, and I'll see you in the next video. Peace out.