The Reset Already Started — XRP Is in Phase Two

Hey, it's Kamilah Stevenson, and around here we talk wealth. And yes, there is a global reset that is happening right now at this moment, and I do believe it includes XRP, uh, but I'm going to explain to you in this video what the real reset is, okay? Because I think a lot of people are miscalculating exactly where the real reset happens. Go ahead and like the video as you're coming in. If you are not subscribed, go ahead and subscribe. Amy, thank you so much for your Super Chat. I hadn't even got on yet and there you are blessing me. Thank you for being a blessing. And, uh, it looks like you joined the membership also. Right after this, I'm going to be live with my members. We are going to go a little deeper even on the topic that we're talking about today. My main goal at this point is just to educate because people are so overhyped at this point and they don't know what they're missing. They're missing the opportunity of a lifetime. I don't think they realize it at all. And the only reason why I don't think they realize it is because they're not educated. What's up from Atlanta? What's up Montana? What's going on from Vegas? Yes, yes, yes, yes! What's up family? We're gonna get on right after this for those who are part of my members Uh, Canada, Toronto, what's up? I'm going to, uh, clear some things out. What's up, ride or die XRP? I love to see that. Yeah, listen y'all, we got some things to talk about. Michigan is in the house. Um, I Am Going Flint Town, what's up? Happy birthday, David! Happy birthday! I'm sure you're having a wonderful day. Look at you on here on your birthday. Hope you're learning something. And, uh, I know you probably can't be with us the whole time. I want you to celebrate your birthday. This will be here on the recording. You can watch the replay. What's up from Nashville, Texas, St. Louis, Cleveland, Dallas? What's up? I love to see it, all of you all in the place. I'm sure you guys all have beautiful faces and beautiful smiles. Virginia, Fort Lauderdale, Nigeria. What's up? Thank you. Uh, the best— I don't even want to mess the name up. Okay, let's say D. All right, what's up, D? Thank you for, um, joining the membership, and I'm happy you're enjoying it. We're going to talk about some good stuff today. What's up from Chicago, South Side? Wow, 100s, love to see it. North Carolina, Finland, you guys are great. Hit that like button for me. We're going to get right in. Let me just say this because I need to say something very plainly. It really breaks my heart that people are missing out on this, um, but I think I want to, I want to say something. I, I think people have this all backwards, okay? And I need you to understand this. Hear me out with all seriousness. If you want to, uh, to address your financial future— I see a few members, uh, joining. Hey from Barbados, what's going on? I think when people hear the word reset, they immediately picture some kind of event. They're picturing something extremely dramatic, a collapse, a currency failure. And I'm not saying that that's not going to happen, okay? Um, but they're picturing something so loud and out there, some kind of headline that forces everyone to admit, okay, this is it right here, this is it, it's proof, it's certainty, it's validated, right? They want an event. Most people want an event. Okay, what's up Las Vegas in the house? I see you. And I think they want an event because the event would give them permission to move. It would confirm their framework, everything that they have designed around certainty and confirmation and validation. It would tell them it's safe to reposition, to reallocate, whatever you want to do, okay? That is not how this works. I need you to get this clear. You are on the wrong side of the street. The reset does not begin with financial explosion. It begins when the old way of thinking stops matching the reality underneath your feet, okay? Most people don't get it. They do not see it. Listen here, I'm gonna tell you something real smart. Okay, I'm telling you, it's real smart. Before currencies break, confidence will break. Do you see it? I see it. Do you see it? Before price confirms, conviction is going to get tested. Do you see it? You will start to see frustration. You will start to see people abandon long-term positioning because short-term confirmation has not happened on their timeline. I read a comment that talked about— I think the person said something like, do you know what I should do? Uh, XRP isn't performing the way I expected it. How did you expect it? How do you expect anything if you don't have the education to know what to expect, right? That's the reset. The reset is not in the currency first, it is in the mind first. Reset breaks minds. Before they break currency. Because when you start to see phases— these— this is the— the reset is in phases. When you start seeing— when the phases start to change and your expectations don't match the phase, you interpret construction as stagnation, and you interpret integration as failure, and you interpret slow structural build-out as there's nothing happening right now, this isn't confirmed, there's no reset happening, there's no wealth transfer, and That is the misinterpretation that is costing a lot of people their positioning. And that's why I want to help you with the educational part. Now, if you don't believe it, fine, just continue to get educated until you have conviction. And if you never have conviction, then invest in the things that you believe and you're convicted about. Now let me put this another way, because I do want you to understand very clear where I'm coming from. And again, I'm getting on with my members after this, and we're going to walk through the different phases to look for. So I'm going to put it very plainly. Right? And that is so true. People are becoming compulsive. I mean, everybody got this backwards. And, and I keep telling you, we are, we are the 1%. There are not a lot of people who are invested heavily in the digital asset space. They're not, not in compared to the global world and how many people are involved in this world. Let me show you something. Let me, let me put something very clear to you. If a farmer plants seeds, and if you know how a farmer works, you know, they work the soil, they, they build irrigation, they prepare the land. If that's what they're doing, all right, none of that is going to look impressive at first, all right? You're not going to see nothing but dirt, right? If you walk past that field tomorrow, you're not going to see a full-grown tree. And you could say legitimately, ain't nothing happening here, ain't nothing here, there's nothing there, no fruit, no nothing. But something did happen. The groundwork happened. The pipeline got laid before the water ran, right? The seed went into the soil before the tree broke up through the surface. And if you demand to see the tree before you believe the process, you'll never participate early enough to benefit from it. By the time the tree is visible, by the time that thing starts to grow out and the leaves and everything come out, early positioning is going to be gone. It's done. You're repriced. You missed it because you was looking for the tree. Now you reacting. Now if you want to partake in it, partake in it, and you do, it's really more emotional. It's not educational because you missed it because you needed to be convinced of something. So now you're reacting emotionally instead of acting deliberately. I'm trying to get you to act deliberately or else you miss out. It's just that simple, okay? You miss out. And that's the difference between— you know, I'm not telling you to have blind faith. That's the way I'm describing this, is the difference between faith and blind faith. Blind faith is hype. It's all the hype without none of this other stuff. Disciplined faith is educated. It's researched. It's positioning. It's scaling. It's preparation. And when you look at something like— if you are following the guidelines with like what Ripple is doing What you're watching when you see Ripple, because they've been moving for a long time, you're not seeing price action first. You are watching years and years of groundwork. You're watching years of infrastructure. You're watching years of thinking differently about how money moves. Anything created in this world is created here first, right in the mind. Do you all understand that? Before infrastructure starts to manifest physically, it exists conceptually That's what I'm trying to get you to buy in here, okay? Before capital reroutes, somebody redesigned the route. Did you know that? We're talking about people. The real reset is happening when you start to think like the people who are building the infrastructure, not when you're waiting for the infrastructure to announce itself very loud to you so it can confirm your moves that you want to take that you too, too scared to take, right? Institutions are positioning and they are preparing. They prepare before the crowd understands the phase, before you understand the phase. That's the whole point, is that they want to position before you understand what's going on. You're going to be on the back end, your exit liquidity. And if you are still waiting for some dramatic event to tell you it's time, you are thinking like a retail— like retail in a phase that rewards institutional mindset. That is the reset. Everything else about this is manifestation. This is not a get rich thing, get rich quick. It is a get rich, not a get rich quick thing. Okay, so thank you so much. And I'm hoping to speak common sense because it feels like people are not even understanding how this entire dynamic work, okay? If you want to beat the banks, you better position yourself to be the bank. Oh, there's going to come a time where you'll be able to buy things with digital assets. You won't even need— you— there's a concept of banking the unbanked, you know what I mean? Like, there's a concept where you, you won't even need a bank technically, okay? There is a consolidation of power that is happening, and you're talking about XRP and the prices and where I want it to be right now. There's a consolidation of power happening, and the power is going to the people who hold the financial infrastructure of the future, and you're upset because it didn't match your expectations. Listen, you're gonna be a part of the transition whether you know it or not. You just need to see how you can have opportunity and benefit from it. You're going to be a part of it whether you know it or not. If you didn't know that, you will be a part of it. You're just not going to be able to benefit from it if you don't get educated. And I'm telling you, this is the opportunity of a lifetime. I don't care what you hear, what you say about it, it's gonna happen, all right? It's gonna happen. And let me just say this, nothing I say is financial advice. These are my thoughts, these are my opinions. Why listen to me, all right? I'm just somebody who's done thousands of hours of research on this stuff, and I've come to conclusions, and I've listened to the smartest of people, and I'm, I'm diving into this stuff every day, all day, and I've been doing it for years, and I've been diving into history for years and, and learning what economic transition looks like. And I'm not saying I know everything, I don't have it all together. I'm learning just like a lot of other people in real time. Why? Because there's a lot happening in real time, and it's before us day after day after day, and we see the movements that's happening, and I'm following them. Now, if you sitting up on Twitter somewhere looking at what everybody got to say or what everybody don't have to say, and that's all you have to go by, I would suggest you take a step back and you really get educated about what's happening right under your nose, quietly, subtly, with institutions and whales. And they're very patient, by the way. Anyway, nothing I say is financial advice. Everything I say is for educational and entertainment purposes only. Do your own research. I am not telling you what to invest in. I'm explaining my opinions and my thoughts on this, and you can agree or disagree, but I think I'm on the right side of the field. All right, I do. Um, what's up from Houston? I see, I see a few, a few of y'all. I'm, uh, you the real deal. I'm holding my XRP bag, and it's good to know that you are holding, right? And so There are some people who— let me say this— there, man, there's, there's some people who will actually get this right and, um, they will hold and they will become wealthy. And I also think that a lot of those people will also lose a lot of money too. I do not think a lot of people on the back end of this will know or be educated enough to keep their money. That— see, that's another game plan. It's one thing to make a lot of money, it's another thing to learn how to scale it and to keep it. You know what a lot of people are going to do? And I keep saying this all the time— you're not that late, you're not that late, I just started, um— but I keep saying this all the time, right? And, uh, love it, Penny, that most people are going to spend their money. They've never had this much money ever in their life. They're gonna cash out, they're gonna take profit, which I don't have a problem with. I'm gonna take profit. Okay, but I understand what I'm— I already have a game plan of what I'll do with my profit, the price points I want to take it at, all of that, right? There's some people that'll say, man, this is good enough for me, and then they're gonna go spend it and they're gonna get themselves in trouble because they never seen that much money and they haven't calculated, um, taxes or anything. Let's say they get $5 million or whatever, I'm just giving an example, and then they're gonna spend, they're gonna go through a lot of stuff, they're gonna out, uh, they're gonna have more liabilities than what they can pay for, and then they're going to have an expensive monthly payment on these things, maybe houses and cars trips and stuff like that. And then in a couple of years gonna go around, and then they're gonna wind up having problems with the government because they didn't pay taxes. And the tax— the government gonna be like, you owe us $2 million, and ain't gonna have no way to pay that. I'm telling you, it's gonna be some people who just don't know how to handle money, and they're gonna get in trouble, right? And so thank you so much, I appreciate the Super Chat. Should I use the Digital Ascension Group as my CPA for when I start Wyoming uh, base LLC. It depends on— so I'm not a part of the Digital Ascension group, but it depends on who you choose as your, um, you know, the team that you want to work with for that, right? So, uh, but definitely you're in the right direction with opening up a Wyoming-based LLC. Um, Wyoming don't have taxes. Hopefully you're talking about a holding company, not just a regular LLC company, and then you can, um you can, um, move your cold wallet, whatever, wherever you keep your assets, you can move your cold wallet into that LLC. And, uh, and then of course talk to, you know, your estate planners and stuff like that with how you want to form— formulate eventually, if you go into your trust and all of that, how to formulate that. But I'm, I'm not a part of Digital Ascension Group, so, um, you would have to reach out to them to ask them that. Uh, but you're in the right direction, and I appreciate this. All right, um, Lots of broke lottery winners. And that's exactly what it's going to look like, is people who win the lottery and don't know what to do with their money. So there was a question that someone asked me today. I had a call— I had a, um, call with someone and they were asking like how much, you know, XRP would be like, like to the point where it's like I'm good, I ain't even got a second guess or anything. And you all know I always say it's really good to try to accumulate if I didn't have any XRP, I'd be trying to get to 1,000. I'd start with at least trying to get 100 real, real quick at this level. At this level, you know, some people who bought twice as much when it was over $3, and then, uh, I would try to work my way up to 1,000. So, you know, from 100 to 250 XRP to 500, 750, 1,000. And, um, 3,000 would be like a sweet spot for someone who don't want to live like an over a complicated life, you know, uh, if XRP ever reached, um, 4 digits, we'd be looking at about $1 million. You know, I always try to make sure my math is right, y'all. We'd be looking at like $1 million, uh, $3 million. And then let's say you had, I don't know, uh, yield on that for 4% or something like that, uh, you'd be looking at $120,000 a year, uh, which you divide that by 12, which would be $10,000 a month. I know that's nothing to some people, some— but maybe let's say you don't have any, uh, debt. You don't have any debt, your house is paid for, your car is paid for. I guess it could go a long way if you want to live a very simple life, right? So just— I'm just giving you the math so you can understand where you would want to go with this, right? So that would be 3,000 XRP. Now somebody was like, but what— how much would you need to say, oh, I'm— I, I should be good in the future, I don't have to worry about nothing? And I told them, probably I would say maybe around 10,000 XRP. Um, however, and that's just like, I don't even have to think about it. I already, I know it's going, all is well. However, what I also, I had a caveat to that and I said, but I believe that there will be people who only have 3,000 to 5,000 XRP who will do much better than people who have 10,000 XRP. Why do I think that? Because if you got 3,000 to 5,000 XRP and you got a game plan and you know how to leverage, how to borrow against in a smart way, you know how to take that money, maybe recycle it into a cash flow business, take that cash flow, then take that cash flow and invest it into something safe like ETFs or something that's just producing 10 to 20% a year or whatever, or invest it into something else, whatever, more real estate I don't know, but if they had a game plan on how do I repurpose and move money in a way where I can build this snowball effect, you know, reduce my capital gains in the process by using leverage so that I don't have a capital gains taxable event, and then get that money to make more money and maybe put it into something that's producing cash flow for me, and take that cash flow and then now use that cash flow on my life while that business is still appreciating, and then potentially I could borrow against that business if it's appreciating creating and giving me more cash flow. And they got financial literacy, okay? And so there's a difference between, like, you know, okay, I mean, it's never about the money, you guys. There's people who can get hundreds of millions of dollars and they can blow it. It's all about the game plan that you have, right? And so we gotta pay attention to that. Somebody said $10,000 a month from interest would be great. Absolutely. For some people, they're like, I can live off that. That's great passive income. So, um, I don't know. Hey, what's up George? What's going on? So I, you know, um, I definitely think, yeah, I think, I mean, you're in the top, I don't know, 10%, um, of crypto holders. Not, not 10. Listen, if you, if you own 100 XRP, you're in the top 99% of people, okay? Let's get that clear, okay? So we're talking about of those who own digital assets, right? So let me just explain to you really quickly too, because I do want to share this. I, I want you to understand this is not as simple as what people think. You got to know what is actually happening, right? So I want to pull you out of this, uh, idea. It's okay to plan and to think about how much do I need, how much money I'm gonna make. That's preparation. I love it. Um, I love it. Uh, Machi, 1,000 XRP is already wealthy in-game. I believe so. It really is, right? I believe so. And especially when you have a game plan. That's what I'm trying to tell you. That is the most important part about all of this, because some people will get wealthy and blow it. But, and that's because they didn't realize this entire reset. They didn't spend time here. Y'all get what I'm saying? They didn't spend time here. So if the reset begins in the mind, then the next question is very simple, simple, okay? What is actually being built, you know what I'm saying? Because it's one thing to talk about mindset, but it's another thing to ask, a mindset built towards what? What am I building towards? What is that mindset being built towards? And this is where I think a lot of people misunderstand what is happening, and they don't even understand— again, if we're talking about the investment of XRP, you have to go back to the, the movements of Ripple because you're trying to understand people who are positioned inside of the infrastructure. Who are the, the game changers in this, right? So a lot of people still misunderstand Ripple and Ripple's movements. They think that the story was price first. Well, what, what are we going to get to? What is this pushing to? It never was about price in the beginning. Ripple did not start out by trying to pump XRP. Never. What they started with was solving plumbing, okay? They're solving an issue. I always tell people Don't chase money, chase after value. When you, when you give value, money follows value. Okay, some people chasing after the wrong thing. So Ripple starts with value. How can I fix a problem that exists with banks? So, and that, and that's a, that's a boring issue because plumbing is very boring until it matters. So let's simplify it right now. Think about this, it's very— it's common sense, you guys. If banks want to send money across borders, they have to hold each other's currency in advance. That's called pre-funding. So they have pre-funding accounts. It's capital that just sits there. It's trapped. It's waiting for payments to happen. Do you understand? It works at small scale, but it breaks. It'll start to break at global scale because if every country has to hold every other, other country's currency Capital requirements are going to explode from this, and the system is going to become inefficient. The whole idea is to bring efficiency. So then you have liquidity that starts to fragment. That is the problem that Ripple was built to solve. It was liquidity inefficiency. So what did they do? They didn't walk into banks and say, hey, here, use my XRP, use XRP, everybody use XRP. No, they walked in and said, let's upgrade your messaging and your payment tracking. That's phase 1. Okay, so what that was, was integration, trust, and infrastructure access. That's how they started. Most of the volume right now runs through private rails. It hasn't hit public rails. Okay, but remember what we talked about, the seed, the seed stage. Okay, so, and again, that's what I'm, I'm going to walk through with my members, the different phases in detail, so you know exactly what to look for and why. Because to me, becoming educated about these financial assets like XRP is important. First of all, XRP is not a typical cryptocurrency, okay? And then also, how you manage your holdings, again, is going to be more important to me than what you hold. And that's— and I'm telling you, that's true. So you have the seed phase, but once institutions move into integration and then they become comfortable with the tech, the real economic pressure is going to show up. And that pressure is very, very simple, you guys. It's Why? Common sense. I just think— I'm like, where did we go wrong with common sense? Why would you lock up billions in pre-funded capital if you don't have to? If you don't have to, why would you hold dozens of foreign pools if there is a neutral bridge that can settle in seconds? And, and this is how I know when you're listening to certain people talk, because I heard, I heard the president say something And I— he's speaking in code, right? And but he's talking about, we, you know, we have something that can settle really quickly these, um, we have something that can settle really quickly these pre-funded accounts where money is trapped. He's, he's talking the language, he's just not saying it. And remember, he did go to dinner with Brad Garlinghouse, okay? So when you, when you hear language like that, even if it's not being said, trust me, because you don't know how many NDAs and stuff is out there and what people can say and not and all of that. You don't know that. They got how many NDAs. I don't know, you probably— you guys probably know. They got a ton of them. I'm gonna get to Super Chats in a minute. But why, why would you— why would you hold all of that money locked up? Why would you lock up all that money when there's a way not to? And that is simple math, and math is going to eventually force routing decisions. So that's the, you know, flip of the switch. You, you hear that term, flip of the switch moment, but you think the flip of the switch moment is some dramatic thing. It's not. It's just when capital efficiency pressure outweighs inertia. Okay. It's when you got enough corridors that are live or enough liquidity that starts to exist when enough regulatory clarity is present. That's why we pushing for the Clarity Act right here. And when I say corridor, I don't always expect people to know what some of these terms mean. It's just a specific currency pair route. For example, USD to the yen or USD to, uh, PHP, um, the Philippines pesos, through which— so it's basically through a door through which money moves through two different countries or regions. It's the pathway for cross-border exchange and settlement between those two currencies. XRP is neutral. It doesn't belong to any country. It doesn't have a preference. It is absolutely neutral. Okay, so the routing will change for that, and it's not an emo— that's why we can't be emotional about it, because it's not an emotional transition, it's an economic transition.. And once that routing starts to change at scale, the volume that's used to stay private is going to start touching the public ledger. And that, that's, that's because of efficiency. So we want efficiency, and that will bring eventually, um, the price to a different point. And I'm going to walk through, like I said, that with my members. Thank you so much for the Super Chat, Marlon. I appreciate you so much. Um, I, I see some people got— I wouldn't tell nobody how much XRP, but I see some people got some nice amounts of XRP, and I love it. And when you have that much, you have to start preparing, because I'm telling you, you know, I'll get back to that in a minute, but I'm telling you, it's all about your structure once you know that you're going to become wealthy in the transition. Um, thank you for your Super Chat, I appreciate this as always. Do you invest in other assets in order to not use your XRP? XRP is my number one, but I, uh, but have other assets. Absolutely. So, uh, I started in real estate. You know, so I have a lot of real estate property. I did Airbnb. I've done everything with real estate— long-term holds, hold and sell, uh, fix and flips, you know. So that's where I started, uh, in the investment world. I'm also heavily invested in the stock market. I do, uh, buy— I love investing in businesses, right? Google and Microsoft and Amazon and Apple. I'm long-term holders. I have a lot of ETFs. I still to this day buy a lot of ETFs. I buy them weekly. As a matter of fact, I have automatic payments that go to ETFs. The REIT— but And I have a lot of money on, um, in the brokerage account waiting for a crash or something to buy back into, uh, assets in the stock market. The reason why I don't talk as much right now— I was talking a lot about the stock market and things I was investing in, but that's when we were, you know, that's when, you know, back in April we had the S&P 500 was in the 400s. It's now almost 700. It's hit over 700, right? So they're at all-time highs while crypto and cryptocurrency is at all-time lows. It's in the red. I buy fear. There's not fear in the stock market. I mean, there's, there's greed at this point. There's like, like, it's euphoric at this point. All-time highs. I mean, it's, it's a killer, right? So I don't want to go all in on these prices, even though I do nibble here and there. And when there's pullback days— listen, I just bought some SoFi last week. I, uh, bought some Google last week, bought a little Microsoft. I buy ETFs every week. So I'm very, very invested also there. I'm also an angel investor, so I invest in companies before they even— nobody even knows about them, okay? I also invest in commodities, silver and gold. So I have a lot of different, um, investments that I diversify with. And I do trade. I trade, um, I do, um, option trading during the week, 3 to 4 times a week, right? So, but again, you buy fear and you sell greed. So fear in the stock market there was no fear like back in April of 2025 in the stock market. That's when I was loading up. I took profit on a lot of that stuff because I was up from some of my stocks that I held, you know, uh, swing trades. But they were like— some of them I had been holding for like 3 years, and I took profit because I eventually want another opportunity. And my next opportunity, just like during COVID I bought heavily into stocks and the stock market went back in COVID because it was such a great price. I was buying Apple at $50, you guys. So, you know, um, right now the biggest opportunity is in crypto because blood is in the street. Uncertainty. I mean, I've never seen fear all the way down to 5. It's crazy. I love it. This is when you buy. This is the opportunity. This is when the wealth transfer happens. It's in the buy and not the sale, right? So, um, so I just wanted to, uh, say that and thank you for that. So they have 1,700 NDAs. Right? So there's a lot of things that cannot be said, okay? So, um, and yeah, they do a lot of cold talking. You have to follow this, all right? And so, um, I wanted to say that. I want to make sure I didn't have any more Super Chats that I— thank you so much, Sam. I appreciate you guys always, um, for just you guys contributing to the channel. Um, and then again, what's my opinion on XRP ETFs? You know, I bought some, um, XRP ETFs just for the sake of buying them., just to celebrate in a sense. But I don't really hold a lot of ETFs because I have so much of the actual spot, um, coin— or yeah, the spot coin XRP. Um, and that's what— that's the difference that we call it spot coin, for those who don't know, is when you buy the actual XRP, you're buying spot XRP. Uh, the ETFs, I mean, you keep them in a brokerage account, you can borrow against them if you— you know, if your brokerage account grows, you know, you can also use it as leverage. So nothing is wrong with that, and it's good for people who don't want to deal with you know, cold wallets and things like that, you know. Um, so it's a good idea for some people, it's just not a good idea for me because I want to become a bank. I want to be lending this stuff out and I can't lend. I have more options with the actual spot, um, XRP. As a matter of fact, and I'll get to some more of the Super Chats, someone commented on my video where I was talking about custody and they was like— I was, I was talking about custody in different, um, in different uh, expressions. And, uh, they were saying, no, no, no, only cold wallet, only cold wallet. And I said, absolutely, I think everybody should have a cold wallet. But here's what I explained to him. I explained to him, and again, this is, this is where preparation comes from. I use different accounts for different purposes. I do not want all of my crypto in one structure. That doesn't make sense to me. Cold storage is absolutely important. I mean, you— I think everybody should have Get it. I would get everything off the exchanges, okay? You don't own it. Coinbase had a freezing point. Everybody's money was okay, but still you couldn't buy, sell, you couldn't get your money out. What happens in extreme volatility? What happens if XRP was to be chosen, um, to— in a liquidity crisis, okay? What would happen to that level of volatility in the— on the exchanges? Like, I wouldn't even trust it, okay? So I believe everybody should have self-custody, have a cold wallet. I love Tangem. I have a lot of cold wallets, by the way, okay? And but I still recommend Tangem of all of them. So if you do want to buy, purchase, if you have no cold wallet— I told somebody today, um, I had a call with them and I was answering all of their questions, and they was like, is there any way that I can give you something for this? And I said, don't give me anything. Take whatever you was gonna give me and buy a just an affordable cold wallet. Please just do that one thing because that would speak volumes to me. I would rather you make that choice. That is a thank you for anything that I've ever— that I shared, okay, is to get a cold wallet and get your stuff off the exchanges and start thinking in preparation. That's foundational, okay? So I believe in cold wallets. However, that does not mean to me every dollar has to sit there. There are people who have had their cold wallets hacked, the smartest of people. It's not about how smart you are. So, and then there's people who would never put their stuff on a cold wallet, like my mom or my sister, some of my family members. If they did own cryptocurrency, they would never put— they wouldn't even want to deal with a cold wallet. Okay, so I do use— for that reason, I use brokerage accounts like iTrust Capital. Roth IRA at this price, it's a no-brainer. Your money appreciates, you don't have to pay taxes on it. I'm like, it's not necessarily like, oh, I got to use this for retirement. You can use it for whatever you want. You could use it for your grandkids. Why not use that account? Hey, this is an account for my grandkids. It doesn't have to be for retirement. All it is is an account where you invest. And to buy these assets, I have HBAR, I have XLM, I have XDC, I have XRP, I have a lot of— I have Ethereum in there. Like, I could— that account is just appreciating with no taxes. I could decide this is an account for my grandkids. I'm gonna invest in, in them. I'm gonna invest in their businesses. I'm going to have something stored for their— whatever, I don't know. But I'm saying that to say They serve different purposes. And at these prices in crypto, I don't see why anybody wouldn't have a little bit, at least a little bit, in a Roth IRA. Okay, so, um, that's how I, you know, grow a tax-free long-term account. It's strategic. You can sell at any point. You could take profit, whatever. You can trade in there if you want to. All right, and then I also use an institutional custody account because that also serves a purpose. Some people want yield like me. I want a long-term custody relationship. I want, um, it to be structured with my estate planning. Okay, so that's called portfolio design. Not everyone wants to manage seed phrases and hardware devices and stuff like that. I think you should. I definitely think you should learn, and I think you need to have an emergency cold wallet, at least one. All right, so, but that's like telling somebody never use a bank. Okay, we know that the banks aren't everything, you know what I'm saying? But we do use checking accounts for what? Operations. We use saving accounts for liquidity. We use brokerage accounts for what? Investment. We use retirement accounts for what? Tax efficiency. So structure matters. Diversification is not about assets, it's about custody, it's about tax treatment and risk exposure. So just understand it, I believe in cold wallets, I believe in a tax-free growth, um, account, and I also believe in institutional relationships. The three can coexist at the same time. So I just wanted to say that because that is something that I think every person needs to know if you have, these assets because you, you need to start thinking about this because like I said, I think a lot of people are going to lose their wealth. So again, I have iTrust for two reasons, Roth IRA, and also for the, and that's for tax structure, and also the premium custody account. It allows you to hold your assets off exchange, um, in a closed loop system. So you have flexibility to change, uh, to trade. You got, um, the ability to invest in stablecoins if you want to. You can stake Ethereum and Solana and get yield on those right away. And you can, um, also purchase, uh, uh, gold and silver. Okay, so, um, all the links are in the description for any of those things. Oh, you also get $100 of funding bonus if you do use the link in the description. So if you do fund an account, you have $100 free to what? Invest in assets. $100 will go a long way with these prices right now. Okay, um, let me look at the Super Chats and just make sure. Um, so Hopefully I answered the question too on the, um, ETFs, uh, and I just want to make sure I'm not missing any Super Chats. I hold, uh, I love holding the underlying assets. Yeah, you know, there's just different ways to do this, right? So yeah, and you know, figuring out the cold wallet thing is not easy for a lot of people. That's why I'm saying some people just not going to deal with it. So they're going to get either ETFs or they'll just open up a— because they're used, they understand institutional grade you know, brokerage accounts. They, they get that, so they'll, you know, start there. And that's totally fine because it's, it's totally different from having to maneuver through exchanges and stuff. It's fine for them for the moment. If you can get educated on cold wallets, I think everybody should have a cold wallet, at least one. Now most people have more than one. Like I said, I got a lot of cold wallets, okay? And I keep buying them, okay? I think I have a cold wallet addiction, okay? And Honestly, I try to try different ones to see which ones I recommend. Like I said, I still recommend Tangem, um, because of just the affordability. You know, my Ledger Stacks cost me a little bit of money, um, some of them get a little pricey. So Tangem is very, very affordable and it's easy. It's easy, easy, easy to use. So that's why I still suggest that. And, um, they did give me a 10% discount to my community, so that was good because I don't want to give you guys, um, something that you don't have some kind of discount on. And you see, I'm— it's— I'm not the only person— Tangem Wallet is easier for beginners. That is why I recommend it. It's very easy, okay? I love it. Um, and I also have a Decent Wallet. I like it, but it's not definitely good for beginners. I'm gonna just tell you that now. Like, the things that you have to go through to put the seed, uh, phrases and stuff in there is not like, uh, the best. You know what I'm saying? I, um, yep. And Trezor, uh, Trezor. I like Trezor, um, but I don't manage anything crypto on my phone, so that's why I didn't, uh, like about the Decent Wallet. Yeah, I mean, you know, some people don't want— some people want to use the actual computer, um, to— and then think about it too, you got something that's offline too, okay? So you can also invest in something that's offline. So I have a little bit of variety, you know what I'm saying, for my cold wallets. And I like to test them because I like to get my different viewpoints about them. When you doing, you know, what I do you really try to test different things out because you have a lot of people that are asking. And so I like to kind of know for myself, and I'm not just telling you what other people said about it, but I'm trying to experience it myself. All right, so, um, one of the things I want you guys to do— I, I want to— if you guys hear anything else, I want— I want— I don't want you guys confused. I really don't. I think so many people are confused right now. They are— I, I always talk about the difference between investors and gamblers, but people are confused because the integration phase, this phase that we're in, it just doesn't look like success for them. So people are like— and I'll come on here and I'll continue to validate where I think things are headed and my conviction. Again, nothing I say is financial advice, but right now people are afraid because things look like stagnation. Things look like they are stagnant, like they're not moving. You know, and most of it is because most of the volume is still private. When corridors are still flipping very slowly and when routing hasn't really shifted over yet, price is not going to reflect infrastructure. And I just did a video too that helps you to understand that the price of all the altcoins are still connected to Bitcoin. And I think I'm gonna just go ahead and release that video tomorrow just to help you understand, because, because a lot of people are asking about it. About the decoupling and all of that. So I, I have a video where I explained it. I really listen to you guys in the comments and try to help to answer those questions that you have. But you'll understand exactly what it will— I walk through in the video what it will take to decouple. And I do believe it's going to decouple not just XRP but a lot of the infrastructure, um, fast settlement utility coins. I believe there is going to be a decoupling, and I walk through what that would take and why it's still connected to Bitcoin. Um, but right now it is coupled to Bitcoin and what's happening right now in this phase, retail interprets it as failure, but infrastructure and speculation, they move on different timelines. Speculation responds to emotion and you see people can make profit off of a speculative run, a speculative bull run. Yeah, they'll make money, right? That's fine., but speculation responds to emotion. Infrastructure does not respond to that. So what we are gonna get from infrastructure is not gonna be dependent on speculation. Infrastructure responds to capital efficiency, right? Those are not the same engine right now. What we are watching is groundwork maturing. Banks are getting comfortable, you guys. Corridors are expanding. Liquidity is deepening. The, the Clarity Act is coming. That phase is where we are with these slow little movements, and it don't reward impatience. It tests conviction. That's why the conviction is being tested by a lot of people. And this is where the psychological reset shows up again. This is a psychological reset before it is a financial reset. And if you are still measuring progress only through short-term price movement, you are absolutely lost, in my opinion. I'm just gonna tell you what it is. I think you're lost. And if you're, if you're mad about it and everything, because I get a lot of people on here that are upset and they be hating and they be so mad, ah, because price hasn't moved yet. But you're lost in the, the scope of reality, okay? You're— because you're assuming nothing is happening just because nothing exploded. That's why I say you're lost. Um, and I don't mean that in a, in a judgmental way. I'm just saying You are assuming that things are not moving in the, the direction that it's supposed to move in just because the value hasn't been confirmed in the price. And you're looking at the value of these assets in correspondence to the price. I'm going to sit here and tell you it's underpriced, it's severely underpriced, it's suppressed, it's manipulated, it's held back and held down. There's volatility. And guess what? Everything I just said is the reason for opportunity. That is the blessing, as a matter of fact, that all of this stuff is happening, that it is suppressed and it's under— that's the blessing of it, okay? If you need chaos to believe construction is happening, you are going to position late every single time. And that's what I mean by loss. But if you understand these phases integration, pressure, routing, repricing. You're going to move with wisdom and precision. You're going to move very differently, right? So I want you to understand that. I want to lay it to you. I'm not here to give you hype. It's like I tell you that things will be repriced and things will move in an explosive way at some point. I always tell you to be long-term. I am coupling this and I am lacing it with education, with financial literacy, so that I don't hype you into some emotional, you know, FOMO-in type of, you know, positioning. That's not what I want for you. I want you to think about these cycles. I want you to think about positioning. I want you to think about risk, okay? And if you do want to go deeper with stuff like that, that's why I do have coaching. That's why I do have my community. That's what we focus on— how to operate through these different phases where we're not reacting emotionally, you know what I'm saying, and shifting every time the narrative— or the head— you can't look at the headlines. That is not what infrastructure looks at, okay? Clarity is a part of wealth, right? So, um, if you want that, that link is in the description for the coaching program also. But again, my membership, I'm going to go deeper with them. That is just— if you are not joined, that's only $3.99 a month. You can cancel at any time. I'm telling you, you can go and binge all the videos and cancel if you want. I just want you to get the information. That's just that simple, okay? I just want you to get the information, all right? Um, I'm not gonna get to all the— let me make sure I don't Uh, somebody said Decent Wallet. Yeah, Decent is a, is a good wallet. Um, I like this wallet also. Um, I always pronounce it wrong, but I have the, um, Titan 2.0 for this. They also have the X, okay? They also have the X wallet. They both use seed phrases. Um, so I still think, uh, for the average person, Tangem is going to be, um, first of all, it's more affordable because, uh, the Ellipal— I don't even know how to pronounce it even though I have it. I, I hear people pronounce it different ways. Elipo, Elipo, whatever. Um, but they're a little bit, uh, I think the Titan 2.0 might be like $168 or something like that, and the X1, I can't remember. And then they have some where they have, they have like combined, um, you can combine it and get like a deal or whatever. They also sell the little, uh, the seed phrase, uh, metal holder that is protective through fire and stuff. But again, it's a little bit more expensive anytime you deal Tangem allows you to do seed phrase or not. So again, for beginners, I think Tangem is going to work, uh, really good. And but this one is a very great option, and I have, I have them, uh, as well. So like I said, I got a lot of different, uh, cold wallets. Uh, I have the Ledger Stacks and the Ledger Nano. Um, I have Decent, Trezor. I have a lot of different wallets. Uh, HBAR, love HBAR, super bullish on HBAR for sure. And not just bullish, like speculative bullish. HBAR, I think, is going to be one of the ones also that, uh, I think a lot of these assets are going to be repriced, you guys. There's a lot happening right now, and, um, I think you just have to be educated overall what's happening, you know what I'm saying? We, we need to understand, like, even investing in tier 1 assets as we transition, right? They are— the banks, they, they ain't doing nothing but printing money, money. So that they can buy up all the physical assets. That's all they're doing right now, okay? Um, so you better, you better get involved and understand where we're headed. Uh, we, we're gonna have, uh, asset-backed monetary system. I think XRP is going to play a crucial role in, in that as well. Uh, yeah, I just talked about, uh, Ellipal. Ellipal. Ellipal. Uh, however you say it. Um, decoupling I do think is coming. Um, and so, and a lot of people have been, uh, they are moving in the background. Okay. Um, and utility will do it. I'm just looking at some of y'all's amazing comments. Uh, utility is the focus. All right, utility is the focus. Yeah, Shiba was really good for last cycle. Actually, in my membership, guys, I do have a video. I'm not big on meme coins, but I do have a video that talks about why I think Shiba still has, uh, some, uh, potential to make a lot of people a lot of money. But I don't just come out and say that here because I want you to be educated on why I think that is. So I walk through in that video exactly why that is the case. And, uh, and if you understand why, then you will know how to position, how to exit, where you're in. I talk about my entry points, my exit points in that video, and all of that. Um, that's a part of my membership as well. Uh, I think it's called like how, uh, how I position with like assets that I, that I don't believe in. So when I say I don't believe in it, it's a meme coin. I don't believe in it like on an infrastructure type of level, but how I can benefit from it and build wealth from it. Okay, so, um, I see some of y'all are definitely, uh, HBAR fans. And yeah, I love, um, uh, yeah, anything. Uh, I think they're closer than what we know. Uh, again, you know, these— they got a lot of, uh, NDAs. Thank you so much, I appreciate this, Mike. I appreciate sharing, uh, your wisdom. Thank you guys, you guys are so amazing. Um, I'm getting through, uh, I want to make sure I get through all the super chats. I focus on crypto that has real-world use like XRP and HBAR. I use Uphold and Uphold Vault. First of all, thank you, uh, Creative Legacy Systems, I like that name. Um, yes, and you know I'm gonna just tell y'all, Uphold has a place in my heart. Why does Uphold have a place in my heart? You know, even though I use all the exchanges, it has a place in my heart because it was one of the only exchanges, um, that I was able to buy XRP on years ago. Okay, so, uh, you know, there's some places that just banned XRP, can't be on exchanges. They were, you know what I mean? But Uphold, you could always buy it from there. And, um, that's why I respect Uphold. I don't know what, what that is, but Uphold has a place in my heart because of that. Like, it was the only place I wouldn't have been able to accumulate XRP as much, um, if I didn't have Uphold to buy on. So years ago, it wasn't on a lot of these exchanges like Coinbase and Kraken or a lot of these other exchanges. You could only buy it on Uphold. And so, um, and I like Uphold Vault. At least you have one key. It's like, um, if you own exchanges, they have both keys, but the vault kind of gives them a key and you a key. So it is better than having it on exchanges, but not better than a cold wallet. Um, but I did— I have used Uphold's vault, and, um, I have a little bit still left on Uphold's vault, by the way, right? So, um, yeah, thank you so much, um, Paul. Thank you so much, I appreciate you. Somebody said no emotions here. I know 2026 is the year I put $40K on— don't tell— oh, don't tell nobody how much you put. Watched it go up over $50 the first weeks, then back down. Utility around $20 by the end of the month. I'm holding to the end. Hey, and it's a holding game, you know. And some people can play that game of getting in, get out. You got to be really good with technical analysis. I believe that for the average person, just holding and accumulating and buying the dips are going to get, get you great, um, results in the end, right? And so, uh, yeah, price, price don't mean nothing, not at this point, because it's not reflecting the true value of the asset. Um, and trust me, they want to get in on these levels. Y'all, they're not getting in on the high levels. They are positioning all the way. I love this. You are 100% correct. This is why I'm convinced that this token is not meant for everyone, and it is not meant for everyone. So you guys, you know, you definitely have to— and I see a few members. We're going to jump on right away, and I'll have this last— hi from New Zealand. Thank you so much. I appreciate you, Courtney. Do you have any thoughts about Ethereum in 2026? Thank you for all you do. You know what, I've been buying Ethereum as it, you know, dips, um, under $2,000. I've been, you know, buying— I've been buying Ethereum every time it dips, in a sense. Um, you know, there's talks about Ethereum eventually, you know, getting up in those double digits. And, you know, there's a lot of— the thing is, everything's gonna run if we get the Clarity Act. Listen, if we get the Clarity Act, everything gonna run. I mean you're gonna, you're gonna see all-time highs from a lot of different, um, coins. Now this does not mean that like all of institutional money is gonna come in at once. That's not how it works, okay? It takes some time. They scale in. They're not, they're not like retail, y'all. They're not like, oh my God, the Clarity Act, let me just dump. No, no, no, they're not emotional, y'all. They're very strategic, okay? And so, um, but I have— I've been buying Ethereum and I haven't sold any that I've bought all throughout the years. I've been buying it Ethereum was probably the second, um, coin that I ever bought. And, um, I'm still waiting for the dollar to load the truck. That's good, that's good. I'm still, uh, yeah, and I see some people still, uh, holding Ethereum. Yeah, I, I've— I haven't sold any Ethereum. I have it in my cold wallet. Um, yeah, I believe Ethereum will do very well as well. Okay, we've heard talks of it, and I'm not confirming anything, but going up to $15,000, you know, um, $18,000, like, um, higher, higher price, somewhere between, you know, $13,000 and $18,000, you know, give or take. I don't know where it lands, but definitely much higher than where it is now. Okay, so, um, I'm— I hold Ethereum as well. Okay, I know there's some people who are like all in on XRP and stuff, but again, I've been— I've accumulated a lot of these coins at lower prices, you know. So, uh, what is my first price? I don't understand that question. Um, not sure if I understand that question, but, um, yeah, but I definitely, uh, I'm not, I'm not selling any of my, uh, crypto. Most of my crypto are utility coins that I think will do very, very well. All right, and so, um, yeah, and you know what, I talked about this in my last membership last week, last Monday. I have a video where I walk through, um, ISO 222 utility tokens, what it means which ones are compliant, and, um, doing your research and building out a structure where you understand, um, how to— just like, uh, Billy just said, how to stick to utility tokens. All right, that is the name of the game, especially if you're just getting in. Don't play around with these meme coins, seriously, you'll get burned. 99% of these coins are going to drop to zero after the— just like Brad said, I believe it— after the Clarity Act. They're not— if they're not useful I wouldn't be investing in them, um, long term. All right, and so, um, you know, get these, uh, what about Cardano? I'm, I have Cardano as well, uh, I'm long on Cardano. I've been holding it for years as well, um, but all the altcoins are on discount. If you want financial freedom, I don't know what to tell you other than get in where you fit in. All right, I'm going to, uh, I'm going to go deeper with my members, and so I'm about to join in now. Just give me about a few minutes to switch everything over. I appreciate all of you guys. Listen, there is a wealth transfer happening, but I want you to understand that it has to happen here first. Get educated, do your due diligence, get research. Don't just listen to everything that's happening, even if it's me. I'm, I'm here to give you education around it. I'm, I'm here to make sure that, you know, you become financially intelligent. That is my desire. My desire is not just for you to just have a bunch of hopium that you don't know what the heck is going on. There's a lot going on. You just got to read in between the lines, and that's what I'm here to help you to do. I'll be back on, and, uh, on Wednesday, and, and I'll, I'll continue to, uh, give you guys relevant information that can really be, um, beneficial to your financial success. And as always, I want you to stay wise, stay wealthy, and I'll see you guys in the next video. Peace out.