They Just Gave XRP Direct Access To The Federal Reserve — The Door Is Finally OPEN

Hey, it's Kamilah Stevenson, and around here we talk wealth. And let's go. I am going to, uh, I'll edit out that first part. Y'all know how it is. And, uh, so hey, uh, James, I see you in the place. Hey, Kamilah, Chino here. We spoke yesterday, such a pleasure. Looking forward to this video for sure, and I love it. Uh, It was such a pleasure to talk to you, and now I know your name is Chipster Black 7950. So, and I appreciate the Super Chat. So it was such a good time being able to go over everything. Um, yeah, we've been having some good times on our Clarity Calls one-on-ones. So if anybody's looking for it, I won't always do one-on-ones forever because it does get, um, the schedule gets very tight, and so it won't always be that way. What's up guys? Go ahead and like the video, subscribe if you have not already, share with somebody. I see you guys, and I know the people who are coming in after this are going to say, no sound, no sound. Hopefully you guys can hear me now. All right, I hope you guys can hear me at this point. All right, uh, what's going on? SoFi Bank, uh, XRP. Um, yeah, and I, I'll go back and, uh, I'll go back and fix that. All right, that's it. I'm sure you had some great things to say. That's all right, that's all right. All right, we in it though. We are We are in it, we're here. Um, I'll have to, uh, edit that first part out like I said, and, uh, hopefully you guys, um, didn't, didn't leave out too soon, right? No, you are not late, Anita. And what is my top 3, uh, cryptos? It will be, um, XRP, XLM, and HBAR. And I got some great news about Ripple, just happened yesterday, that is going to continue to tell the story for the supply and demand. Y'all can't make this stuff up. I mean, let me tell you, at this rate we are— you know, I'm, I've been long-term with XRP, but you know, at this rate, you, you know, with the supply-demand situation and the institutional adoption scenario playing out, I, I just, I don't think it's going to take as long as maybe I previously thought it would take. Now that Clarity Act is, is, is something else, okay? Um, banks are stepping in again and stopping things. And hey, I don't think XRP technically needs the Clarity Act, um, to, to have institutional adoption, but that's just me. Um, the Clarity Act is the Clarity Act. It's, it's gonna have its thing, it's gonna do its thing, but at the end of the day, things are still going to go in the right direction. Why? Because First of all, money is about to be pumped in the system. Um, yeah, this— so anyway, I'm gonna help you all to understand, uh, crypto. Uh, Cry Biz say stack up food, people, and I've been stacking. You know why? Because you got to be prepared, and I'm going to talk a little bit about that. You know, listen, if you don't— if you're not using this time wisely to prepare yourself for what's ahead You know, the markets right now are moving off of sentiment, and it's moving off of what the president says. It's moving off of people believing what's being said. Okay, if you ask me, a ceasefire ain't nothing but more time to get stuff in order for what— for the real showdown. Okay, so the markets are pricing in certain things that are, I don't think, 100% correct, but I guess it doesn't matter. You trade the trend. Right? So you still can make money going up, going down, or whatever. You can make money off of a volatile market even though some people are going to get completely screwed. But you can make money off a volatile market because— and the reason why people get screwed is because they do have an overall long-term thesis and they don't understand how to trade in a market short-term when they have a long-term thesis that don't necessarily go in the same direction as the market. But you gotta trade the trend, my friend. You gotta trade the trend. So if it's going up, it's go— then you, you go up, okay? You know that it's going up, you get in some calls. It's going down, you get in some puts. And you can't be stuck on crazy like, well, no, because I know eventually— well, yeah, it could take 6 months to eventually play out the— what you looking at. Our thesis is long-term, so I try to come on here and give you the outlook, because the outlook is what's really important. The fundamentals and the structure is really what's important. And that, that, that should help you to have a different game plan that aligns with your long-term thesis, whether it's 6 months, a year from now, even a 2-year plan, 3-year plan, 5-year plan, 10-year plan. Like, you should know what even assets you're accumulating for those plans. But in the day-to-day movements, like, things are going to change up and down because why? Because Somebody could come out and say, oh, a headline, a tweet here, a tweet there, and then all of a sudden things change, right? So hey, it is what it is. Um, I don't like it. I could sit and complain about it, but, um, there's opportunity. So you just got to jump on board with the opportunity. But I want to share something amazing. I actually— I got a couple of amazing things that I want to share with you today. All right. Um, thank you so much, Toy, uh, Tech. Um, Don't understand how much I look forward to your videos. It keeps me motivated to stay in the game. Yes, and stay in the game because I think that this is— I don't think it's going to take as long for institutional adoption as I once did. I mean, stuff is coming out every day. I mean, it's coming out every day, all right, back to back to back. So you know how it is with, um, just if you could think about— and I'll look at some more of the comments— you know how you think about like if you, if you start with one person, um, you say you got two people in front of you and you tell them a secret Okay, you only got 2 people who know the secret, but say those 2 people go tell 2 more people the secret, and then those 4 people go tell each 2 people the secret. And you know how there's an exponential growth of information? Well, the people who started with that information and they got the intel on the front end, I think that's us, right? But this thing is gonna get out, and it's gonna get out, and it's gonna keep spreading and spreading and spreading. But by the time everybody else finally want to come in on the back end, they don't have time to get the positions. That we got. They don't have time. A lot of people don't know what's going on. And, um, and we got the opportunity to just build and accumulate and just go hard. That's why I say, like, for everything it's a time and a season. Just like a farmer, just planting, planting, planting, not reaping yet, not reaping, just planting. Stay focused. I can promise you, I believe it will be the biggest wealth transfer of our lifetime. I can— I, I just— I believe it with all my— with all my bias. Say what you want, all right? And, and most people, again, they don't have a clue because all they're doing is looking at the price and that's the only story. But when you see what's happening behind the scenes every single day and who's getting on board, and even the people that's starting to say certain things even about XRP in the traditional world, man, you cannot make this stuff up. So I want to walk you through something And, um, I wanna, um, the bipartisan— yes, uh, Community, please look into FireFlare International revenue engine. Also, Dr. K, I really hope you'll address and discuss with us the bipartisan PACE Act. Most people don't know what the bipartisan PACE Act is. It just came out, right? So let me walk you through the bipartisan PACE Act. Right? Because this is something that a lot of people need to start paying— see, most people are— again, they pay attention to the noise. It's all the noise, but nobody wants to go and investigate and research those type of things. Why? Because, oh, it's just kind of boring. It's not like really doing anything for my emotions, you know. Everybody wants to be excited, right? So, um, no, XRP is not connected to foreign foreign currency. It has no foreign nothing. It doesn't belong to anybody. It doesn't favor anybody. It's not favoring male, feeding the male, U.S., France. It don't favor Mexico. It don't favor Germany. It doesn't favor, you know, nothing. All right, Jamaica, whatever you want to say. It favors nobody. It's a neutral bridge asset, and that neutrality is doing a lot of work, and that's why I love it. Uh, but that's a great, uh, question. That's a very brilliant question to ask. Um, but that is the— that's the superpower of XRP, is it doesn't favor any foreign currency. It's a— it's neutral. It has neutrality. Um, and, uh, and it can convert to any currency in 3 to 5 seconds for very cheap. So what's up, 744? All right, let's get into it then. Let's get into it. Like and subscribe. Um, I'll be back. Um, I was just looking at this question. What's your opinion when price appreciation happens and we want to send money to our bank if they're going to get locked up? Why am I— I mean, I can't say You know, honestly, the traditional banking system, they, they don't have your money anyway. First of all, you just got to know that. You just got to know. Now, does that mean that we take all our money out the bank? No, because, you know, you have to pay bills and, you know, you keep a little bit there and you got operational things. But to be honest, you better start putting your money in real commodities, in real assets, because in the middle of May— and I won't go over this now because that's a whole nother topic— we're about to have a Fed that's about to like— he has a plan. And if you haven't figured out what that plan is— I talked about it to my members on Monday— then, um, you won't know what to do with your money, you know what I'm saying? Like, that— his plan lets you know what, what you need to do with your money, right? And that is basically invested in real assets, real money. Um, and, and that's— there's going to be winners and losers depending on what you do. So, um, but your money is always at risk if it's in the bank. Obviously, they don't even have your money. If you go to the bank and ask them for— I just want to get all my money out— nope, they might get mad like they did with me. Um, and they're gonna tell you, you gotta order it and all this other stuff. They don't have it. They lent it out. So, so they don't— they don't have your money, uh, unfortunately. Um, but I also— I talked about what, um, scenarios like that, right? So, and if anybody, um, ever joins, they can go back and watch these videos as well, right? So what's up, LS? All right, let's talk about what transpired with, um, Ripple. It may sound a little— I'm an educator and you know that, because I really don't— I'm not— I try not to be super— I try to just educate you in a way where you can understand, but the picture will come together. Okay, so just understand that if you, if you get a little lost with understanding what's at play, um, just pay attention because it'll all come together in the end. I just want you to understand the background of everything, right? Because, um, trust me, if you— the more you are educated and you understand the background, the better decisions you can really make. All right, um, so somebody said I'm buying another 100. I already bought some this morning, right? I bought some yesterday. I'm buying. All right, I'm buying. These are great, these are great. I believe we're at the bottom structurally. That doesn't mean we can't go lower, that doesn't mean we can't wick down, but sentiment is low. Um, we've been suppressed in a bear market for a very long time, and it's a lot of asset— all, all markets are manipulated, by the way, guys. So, uh, you know, these are opportunities, you know, like you can either see it— I don't like it but you can see these moments as opportunity or, or not. Uh, Crypto said it's going to 70 cents, and I, I would love for it to because I got limit orders waiting. I don't even need to do nothing else. All my limit orders are set to go, and they are stair-stepping all the way down. And I hope they— I hope it hits every last one of them. I'll be happy. And listen, you can even get in at the bottom if, if it hits those levels, and you technically could take profit at a $5 to $7 XRP, right? Even though most of us are waiting for higher levels, like me, I don't need to say, you know what I'm saying? Like, and I don't need to, I don't need it to go to higher levels, okay? Because I got enough of it. So the more you have of it, the, the quicker, if you do have these small take profit areas, the quicker you can do that. Or you can start borrowing against, whatever that looks like, that's up to you, okay? That's your risk. Matter of fact, let me just say, nothing I say is financial advice. Everything I say is for educational and entertainment purposes only. So that is totally up to you what you want to do with that game plan. Um, but that's a great return. That's why I don't understand people who wouldn't buy in, in a bear market, even if you're not waiting on institutional adoption and you just want to make some money. Where people say, how can I make money? Easy, buy low and sell high. That's it. You know, we can— we know at bare minimum all-time highs are at play. Right now, most people— let me just say this, um, I'll get back to some more of the chats and, um, I'll, I'll be looking in, but I want to get this out the way. Um, RLUSD is what worries me. Silent Flow, I don't— it shouldn't worry you. Um, I did a video on RLUSD. It, it doesn't, it doesn't compromise XRP in any way. Um, and I talked about that in a little bit more detail, but most people don't know the story of what Ripple has been trying to do in the United States, at least for years, right? Um, of course, they— there has always been a problem and a, a specific wall that relates to the American financial system at the infrastructure level, and that is to move money through the United States financial system at scale, you have to go through a bank. And technology doesn't require it, but the law does require this. So every payment company, fintech company, uh, every crypto company that wants to touch Federal Reserve payment rails has to route through a legacy banking partner sitting, um, in the middle, taking of course fees and adding delays and maintaining control over who gets access and who doesn't. And that's always been the case. And, and, um, I'll get to some more of the Super Chats, don't worry. And Ripple has been trying to get around that wall for years. It's a wall. So I'm gonna help you to understand this wall and what just happened. Uh, so they pursued a Federal Reserve master account. They secured conditional OCC approval to become a national trust bank. Just walking you through the history. And every move that they made was pointed, of course, in the same direction, which is direct access to the payment infrastructure that moves money across border, uh, without a bank sitting in the middle extracting value from every transaction, because that's how it's been designed. Yesterday, uh, Congress introduced legislation that creates a direct pathway to exactly that destination for the first time. And, um, it was also revealed the same day that Ripple published a roadmap that puts XRP Ledger ahead of Bitcoin and Ethereum on one of the most important technical fronts in the entire space. I can't go into that today, uh, with, uh, Quantum. I can't go into that today because it would be too much. But I do want to help you to understand what just transpired yesterday that creates more demand for XRP, and that is the PACE Act and, um, what what directly— or I'll say what direct Fed access actually means for XRP. So we're trying to figure out how does this relate to XRP. So I want to explain it because it's been the thing that's been blocking Ripple in the United States, at least for now. But Ripple's partnerships have expanded. So, um, let me just answer this real quick. Um, what— uh, thank you so much, Sugar Mountain Training, for this. Uh, and I'll get some more of the Super Chats Uh, what do you feel the chance of the Clarity Act passing before the end of May? And if it's not passed, do you think it is stalled till next year? Every day I've been saying it, every day that it's not passed, it, it, it limits my belief that it will be passed. Like, I'm not saying it won't be passed, but I'm saying every single day it, it makes me— my percentage go down and thinking that it's going to get passed, right? The stalling, the banks, and the, you know, like, I don't, I don't know if they ever intended of wanting it to be passed, so I don't I don't know. You get one news one day. I'm sick of it, honestly. Like, hearing about, oh, is he— we— yay, there's clarity! Act about to be signed. No, sorry, the bank stopped it. Yeah, they cleared it. Like, we've been, we've been up and down, up and down, like, for the last couple of months. And it, it just— it's, it, it's kind of like, I, I don't think that it— it— there's a huge chance that it may not happen, right? So we'll see, you know, hopefully. But it's a huge chance that it couldn't happen. I don't think it matters like as much as some people do, okay? Don't take my thought. I don't think it matters as much as some people. I do know that institutions are not— some institutions just are not going to be able to go all in and just like, because they need those guardrails. But I believe slowly but surely the information, um, and the, the utility the use case narrative could still push things in the right direction. And remember, in the United States, XRP has already gone through legal clearance, so it is a little— it doesn't need to be— it doesn't need the Clarity Act to be utilized in a liquidity crisis or crunch, or it doesn't necessarily need it. And SEC have already stated that they're digital commodities. So it's like we need it but we don't. I can give a case that we need it, and I can give a case that we don't need it. Okay, so it's kind of weird, but, but it's just hard to explain because yes, we do need it for sure. I mean, it would be just— to me, I think having the Clarity Act is better than chaos. I agree with Brad Garlinghouse. I, I want it. I want us to get it. Um, but at the same time, if we don't, I don't think that that's completely gonna stop the flow of things because of the use case scenario and the fact that we have a Fed that also have named— that's already come out of his mouth talking about digital currency. When they asked him about— they like, oh, it's already a digital commodity, okay? And here's my plan: pump money, okay? So it's going to inflate the assets, okay? Um, so we'll still see— we'll still see some, some repricing in the— at the end of the day, I believe. Um, yeah, and anything can happen. Anything can happen. I don't time the top or the bottom. But I know one day it will happen, okay? Um, at some point. So I'm under the impression that we're going to still have a very good year because of the inflation and, and the, the weakening of the dollar and, and, you know, what the Fed's plan is. Just go check out what the Fed's plan is. Thank you so much, Silent Floor, I appreciate this Super Chat, and I'll get back to some more of it. But right now I want you to understand how money moves, um, through the financial system, okay? So if you want money to move through the financial system, and if you want to send a payment that settles through the Federal Reserve's infrastructure, you have to be a bank. This is why the, the news with the PACE and Ripple is so important, okay? You have to be a bank, or you have to be— the other thing is you have to be a partner with one, okay? There's no third option. Those are the only two options. So the Federal Reserve payment rails, which is FedNow for instant payments and Fedwire for large value transfers, Um, and ACHs, you guys know what that is, for everyday transactions that pay, uh, or that moves like payroll and bill payments and direct deposits. All of those systems are accessible only to institutions that have a master account with the Federal Reserve, and master accounts go to banks, which means— follow me— every company that is not a bank, including Ripple has to go through a banking partner to touch those rails. That banking partner sits in the middle of every single transaction. So of course they charge fees, of course, um, they add settlement delays, all of that. They do maintain the control over, again, who gets access and who don't, what companies get access to their infrastructure and which ones don't. And they have every incentive in the world to keep that arrangement exactly as it is because that arrangement is their entire business model. Okay, and so what Ripple has just done is they have just built, um, of course, technology that is, uh, much faster and more cheaper and more efficient than the system that those banks are charging to access. And for years, the response from the American financial establishment has been essentially Great technology, but you still got to go through us if you want to use our rails. Okay, that's nice and dandy, but you, you still got to go through us. And so that's the wall. So there's been a wall that's been built. Okay, now here's what the PACE Act does, and it'll all make sense. First of all, the PACE Act is the Payments Access and Consumer Efficiency Act, and it was introduced yesterday by bipartisan representatives from California, which creates a new category of institution called a covered provider. So a covered provider is a qualified non-bank fintech or payment company that registers with the OCC, the office— we talked about that before— the Office of the Comptroller of the Currency at the federal level. And then one federal registration instead of the current requirement of holding money transmitter licenses and all, you know, I don't want to get into too deep into it, but they meet specific requirements around reserves, uh, risk management, record keeping, um, consumer protection, all of that. Right now, once a company qualifies as a covered provider under the PACE Act, they are going to get direct access to FedNow or Fedwire. Remember, FedNow for instant, Fedwire for larger transactions and ACH, not through the banking partner, which remember you have to have a banking partner, partner, but directly. So what happened is this door just opened up. Okay, now let me explain why this matters for Ripple and XRP, because there's a connection there, and that's what I want to connect. Even if you don't follow it, just— I'm just trying to educate you on the wall and how that door just got open to, to possibly pull down this wall, and then what it means for XRP. Okay, so Ripple's core business is, y'all know, cross-border payments. The technology, of course, uses XRP as a bridge currency to move value between currencies in seconds without pre-funded accounts sitting idle in every country. We, we know the Vostro and the Nostro accounts and all of that. That technology, for some of you all who are new, has been proven in production corridors across Japan, Southeast Asia, Europe, and beyond. It works. The data is there. We saw Japan, they said it at the Tokyo, they, they, you know, gave the data. It works. We all know it works. But in the United States, Ripple has had to work around the banking layer to deploy that technology domestically. So every US corridor and every US dollar-denominated transaction has had to route through a banking partner who controls access to the rails. Remember, you gotta go through a banking partner. So that friction that Ripple has had has been the single biggest structural barrier, um, to Ripple scaling its US operations to match what is built internationally. Okay, so I'm talking about, um, here. And what happens is the PACE Act removes the barrier. Okay, follow me, it removes it. So if Ripple qualifies as a covered provider under the PACE Act— and the reason why I had to kind of give you the history of it so you can kind of understand what it does, even though I know it's a little technical, you know, learning about institutions and how they design everything, um, but if they qualify as a provider, a covered provider under the PACE Act and they meet every responsible interpretation of whatever those requirements are under the OCC conditional approving their existing, I guess, compliance infrastructure, and they're of course RLUSD stablecoin operating under NYDF's supervision with all of, you know, again, the way they structure this is very whatever. Okay, anyway, if, if all of that is done it plugs directly into FedNow, Fedwire, and ACH, okay, without a banking intermediary. All right, now let's zone even closer. What does it mean now for— so that's what it means for Ripple. Now what does it mean for XRP? Well, every single US dollar corridor that Ripple operates needs XRP as a bridge asset when using on-demand liquidity. So when Ripple routes payments directly through Fed rails without a banking partner, the volume of transactions that can flow through those corridors are going to scale dramatically, which means more volume through on-demand liquidity corridors means more demand for XRP as a bridge currency. Not a theoretical demand, y'all. I'm talking about a real demand. So every transaction that flows through Ripple's on-demand liquidity service requires XRP to be purchased, converted, and then delivered on the other side of that payment. Okay, so the banking layer was not just a regulatory barrier. We're dealing with that, we understand that, that, you know, we got the regulatory barriers that, that we have to deal with., but it was a volume cap. It's a volume cap because, and if you remove a, that barrier and, and the volume that was being throttled by the legacy banking relationship because those were the restrictions, it can now flow through infrastructure that XRP powers directly. Okay, and I'm, I don't want to assume that you guys know what bipartisan is, so this didn't come from one side of the aisle. Okay, so I'm just letting y'all know how, how important this is. It came from both sides, so Republican and Democratic. Okay, so they co-introduced this today, and immediately it was endorsed by the Blockchain Association, the Financial Technology Association, the Digital Chamber, uh, Chamber, and, uh, the Crypto Council for Innovation altogether. Okay, so these are 4 major industry organizations endorsing the same bill on the same day that it was introduced. That is a very good sign. Now, it's not in law yet, okay? You know, it has to move through the committee and pass both chambers, and it's got to be signed. So the process does take time, but I need you to understand the significance of what that means. For the first time, a clear bipartisan legislative pathway exists for Ripple to access Federal Reserve payment infrastructure directly. No part— got to be a partner or anything. So, and that door has been locked for years and it just opened, right? So this is a huge, um, thing that— and I'm always trying to build the case of— for your conviction so you can understand where is this headed, so that You don't look at the— like, the price can't tell you this stuff, y'all. You, you gotta follow what's actually happening. The, the relationships, the partnerships, the moves that's being made. It's— by the time people see— most people don't know this, right? No, most people don't understand this stuff. Like what I just shared, most people are not like, come on, ask the average person. Go ask the average person, have they— oh, did you hear about the new bipartisan bill of with Ripple? They won't even know it a month from now, or even 6 months from now, or even a year from now, most of them. So I'm— I mean, but what they will know is a price. Well, what's that asset? No, because it don't look like it's going nowhere. Is that all you know about it? That's all you know about SRP? That's all, you know what I mean? Like, even if somebody's like, well, what is— that's why it's so hard to give to your family members, because they don't know. They don't know. They don't understand. They go look at it, they gonna probably look at the price and like, oh, a dollar, it looks like it doesn't fail down, you know. So Like, even if they was to look at the charts and they understand, like, traditional assets or whatever, if they look at the chart, they're gonna be like, this— no, this is— went from $3 and something down. I'm not invested in this. No research is going to be done, trust me. Okay, the only people who hold with conviction are the people who are educated, who are following the real, uh, information on this. Thank you so much, um, Atalian Norton. Thank you, I appreciate you for, um, blessing this channel. And, uh, and I'm going through some of the— yeah, yeah, they stacking their bags all the way up, let me tell you. They is, they is stacking, and they, they already know, right? They already know. Um, thank you so much, I appreciate this. Um, yeah, when I say bank lose, um, what I'm saying is that they They, they now do— they have a model that they like to keep in place. They have a business model. But this act allows you to plug directly into— or Ripple's infrastructure to plug directly into, um, being able to utilize XRP at another level. Because now they don't have to— they can— they have that wall that the banks have put up so that they wouldn't be able to— has been, has been open. And now there's a possibility that they don't have to use the banks. So that's what I mean, you know, it's, it's, it's words, but that's why I try to explain it. So when— that's what I mean when I say banks lose, okay? It's, it's, it's metaphorical in a sense, all right? Uh, don't, don't play too much on the words. I'm trying to explain to you what I mean. The banks are, are designed to try to hold you back from— they, they have a business model where they make money, and if, and if anybody reroutes them, then they lose out on certain, uh, money. I mean, it's their inside, just like holding your money. Like, that's the whole problem with the stablecoin. If people take their money out and go to stablecoins and get a certain percentage, or go to Coinbase or exchanges or wherever they want to put their money, they're like, okay, we're not giving— y'all not giving 3%, 4%, or whatever. So of course, yeah, it's, it's just common sense that people are not going to move their money and go around. Um, and that's their entire business model, is they need your money. They need your money to take your money because they, they They, they use your money, um, they borrow your money basically, and that's how they make money, and then they pay you nothing. Like, banks need to stop it. Like, our generation, um, I get young people all the time that's like, uh, they, they understand a little bit of the crypto digital currency and they're starting to kind of like say, do we really need banks? So it's gonna be a problem next, next wave of general— it's gonna be a problem if they don't. They already— they're already going to integrate, you know what I'm saying? So it's just more of a transition where the banks will be needed less and less and less. And that's what happens. It's not like just a— we— you stop using banks and you just switch over to something else. It's not like that. It's, it's— there's a transition. They've— they can integrate, um, in— into their— they already have rails. They can integrate this new technology into their system, and they will, okay? And they'll get their own stablecoins and all of that. But the reality is, is that people will start needing it less and less, and, and using other stuff more and more. And so that does become a problem. So we'll see where this all pans out, right? Um, and yes, NDAs, Fedwire connects Ripple to 1,700 institutions. With what a, um, coincidence, right? Absolutely. Um, so it's all, it's all, uh, yeah, well, yeah. And you know what, that's the problem is, and Europe and all of these other places, you know, Japan, they already got their marching orders. They have regulations. So I mean, we better, we better— the good thing is this is a global thing. So XRP is not— it's, it's being globally accepted, right? So even if you live— whatever country you live in, thank God XRP is neutral. It doesn't favor any country technically, right? But yeah, there's other, uh, countries that are getting in. Thank you so much. Oh my goodness, I appreciate you. Um, you always so generous. Thank you for, uh, blessing this channel, and, and thank all of you guys for blessing this channel. It really do help the channel and, and everything that I try to invest in, all the value I try to bring, and I'll continue to do it. Thank you for that answer. Now take this Super Chat and buy some XRP for your kiddos. Oh, I certainly will, I certainly will. And I always let them know when someone has blessed them. They, they are so astounded by that. So I'm taking a screenshot right here too so I could tell them, and I will buy some in their wallet today. Um, so thank you so much, you're so kind. Um, just looking at, uh, Forget ETF— let me say this, uh, Forget ETFs Own Assets. Um, Forget ETFs Own Assets, I'm trying to figure out what you're saying with that, but it does, it does remind me of something that I do want to say to you guys. And, and I want to, I want to have a heart-to-heart with you guys too because, man, we're in— let me just, let me just say, and I got some good news, I got some good news that I want you to stick around for. Uh, like the video and subscribe. You know, everything that's happening right now, it is so incredibly important, and I don't think people really realize it. And I'm gonna just come on here as much as I can and help you guys to stay abreast and be educated and add value as much as I can. Because it is my responsibility. I really believe it's my responsibility. It's more than just like— and I love you guys, right? I love this community. I know that we're all going to grow and experience the wealth transfer and see each other, some of our faces face to face at some point. I already know that. Um, when, when you think about just everything that's happening, like, and because we're so heavily invested, of course, in XRP, you know, Ripple has always talked about money moving the way the internet does, okay? Meaning, um, not in days, but— or through 50 million, uh, you know, middlemen taking pieces or whatever, but just moving everything instantly, the same way information has moved. And we couldn't— we, we could not ever have expected how far the internet was going to go. We— there's no way. We couldn't have ever even imagined it, okay? It's just— it's one of those things where when something gets moving and rolling, it presents more and more opportunities that you didn't see before, okay? Just like a business. You might start off with business doing one thing, and then eventually you could become a bank at some point. That's what happened with the Shark Tanks, right? They had their businesses and stuff, and then now they're, you know, investing in other— in people's businesses, and people are coming to them to be a bank. So you cannot cap— you can't even— you can't even think in your mind all of what's going to happen in the years ahead. And, uh, what most people thought was— to me, right, even right now, what most people thought was going to happen in 5 years, I think that time frame is collapsing into, uh, much sooner, okay? Because what we're finding out is that the technology that needs that kind of infrastructure That, that demand is opening day by day. And, and remember, we haven't even— we, we didn't even touch on— I just give you bits and pieces like a house that you got to build. AI systems, they make autonomous financial decisions. They cannot operate on rails that take 3 days to settle. They cannot. They cannot open up a bank account and show an ID. It needs what the XRP Ledger was built for, okay? Um, and, and then remember, you know, and I, and I did mention this, and it plays a full story because coming up in May we are getting a new Fed chair who's already mapped out exactly what he's going to do. Okay, so there's going to be new money going into the system, and when that happens, assets are going to inflate. Why? Because that's how the mechanism works. So the people holding those assets are protected by that inflation, while the people who are holding too many dollars or don't— or it's not like um, participating and not exposed to other assets, they're going to absorb it. So what you want to be thinking about right now is not what the price of XRP is doing this week. What do you want to be thinking about is where your wealth is sitting when that money starts to enter into the system. Where is your money sitting? You have got to get real intentional. Some of you all have to go back and look at your 401s You have to be intentional. Where is your money sitting? Gather, do an audit of all your assets right now, because that's what your net worth really is. It's not really in the dollars, because you're going to find out it's going to lose its purchasing power as time goes on. And here's what I keep coming back to: we have been given so much time. The back and forth, even, you know, like I said, with the Iran situation and all that, that's noise, okay? They, they buying time. They, they both got plans that they ain't letting nobody know. Okay, Iran ain't about to give them their weapons stuff. They're not, they're not budging into that. Like, what you got to find out, what, what, what are we really asking of them? What we're asking for them, of them, they're not gonna do. Okay, so they can forget about that. So I don't know what's going to play out. I'll, I pray for a miracle, but they not, they're not gonna give what we actually are asking. Okay, all of that surrender— no, they're not gonna do that. That's not, that's not what they do. Um, but all of this noise with everything has kept people very distracted and very reactive. Like, they're looking at the stock market, oh, you know, again, take it for what it is. You trade it, you trade the trend. Uh, I done traded the trend. I'm up on, on a lot of things that I've invested in. I was just looking at it today, like, my goodness. And I've been, um, taking profit in some of the strength. Because I found out even today that I was up 200% in, um, some of my, you know, uh, well, I told you guys I was up over 300% in one of my AI stocks. I just got into that 3 weeks ago. Crazy. Um, POET, which I told you guys about last year, remember I had some long-term POET, y'all, y'all remember I had some long-term, I had option plays and long-term POET. I kept telling y'all, it's up 200%. Okay, so there's a lot. I got invested in Hims, that's up, uh, 68%. So you can make money off this stock market, right? There's a lot of money. I got into Nokia. Remember I came and talked to y'all about Nokia? I know some people think I'll just be saying stuff. I don't already moved, right? I got into Nokia and I'm up 43% on that. So, um, and this— these are like swing trades, like not like super long trades, or sometimes I just get invested and I'll just see how long I'll need to get to a certain percentage, put a stop loss. Like, this ain't go under a certain percentage. I try to be proactive so you can trade it, but it's all noise in comparison to this preparation period that we're really looking for with the wealth transfer, okay? Because honestly, that money is not going to do nothing but recycle and be reallocated back into the bigger plan, all right? And so people are distracted. Gold is telling you something. I just did a video on the 4 signals. Silver historically outperforms gold when the monetary stress peaks, and we're watching that setup build in real time. So don't come back telling me when gold— uh, when silver goes crazy, like, oh, don't come back asking, oh, should I have invested in silver? Please. Okay, like, because that's what happened the last time. It gets to $120 and now everybody's asking, you, you think I'm too late? Silver is going to do very well in the future. All right, so do your own due diligence. I'm just telling you what I believe, okay? I have a biased opinion on things, all right? And I'm not always right. Nobody is always, always right. You got to do your own due diligence. I'm just looking at signals. That's what I look at. And to me, I feel like the signals and the historical patterns, they pretty much wind up being the same the majority of the time, okay? So, and, and then you have a, an overall plan that you hedge yourself. So the monetary stress is going to a peak and we're going to watch silver go crazy, all right? And, um, or it's just going to do very well. I don't want to overpump things and get you guys all emotional about it or anything. You need to slowly accumulate what you need to accumulate, okay? And XRP is being built into the infrastructure of the next financial system while most people are still debating the price. I'm like, this is the lowest level of conversation that you can have right now. Seriously, if you're long-term— not if you're short-term and you swing trading, then yes, you are talking price points and stuff like that. But I'm not— I've never come on here telling you to make a quick buck off of XRP. I'm telling you that when you invest in XRP, you are investing in the next financial infrastructure, right? So in the same— and I try to compare it, the best thing I have is the protocols of the internet, the infrastructure. The, the highway, the, the, the, every— the infrastructure, like the plumbing behind the walls and everything. You're investing in that. And trust me, at some point, even the price is going to eventually reflect. I don't have a timeline on that, but it will. So this is a long, longer-term move for generational wealth. And then the plans that are involved along the way, that's different for each person. But what I can tell you, this is accumulation phase. This is when the calm, strategic version of you needs to be making decisions, because when things start to accelerate, there is not going to be a pause button. There is not going to be a moment to sit down and think about your plan. That moment is now, while you still have it, and you can still prepare in the calm. Okay, so let me say this too. Oh, this is the good news. Um, and I— this is great. So, um, and I'll talk about the quantity, uh, the quantum— I said quantitative— the quantum-resistant, uh, roadmap, putting the XRP Ledger actually ahead of every major blockchain, ahead of Ethereum and, and Bitcoin. I'll talk about that too, uh, but maybe Saturday or next week, I'll, I'll figure it out. But, um, the PACE Act is, is going— is, is going through Congress there's this quantum migration that's going to be completed at some point. And this is what people need to realize, is that as you're building wealth through the cycles, um, you know, the people who are building it, they're not reacting off of every little bit, bit of news. They're not. They are really the ones that are comprehending really a 10-year infrastructure story and they're positioning their structure around that time horizon. You have to, because if you're not, what are you doing? If you play— like, what are you doing? You can't, you can't build a plan for like the next year. What happens after the next year? You, you got to understand, even right now when you're building— and I'm not saying it doesn't take 10 years for manifestation, but your entire structure should be built around at least a 10-year, uh, infrastructure story and beyond. It really should be being built for your grandkids and your children's children. And like, so you got to really get busy right now, uh, because when that time horizon comes where it, it, it starts to price you out, it's going to be explosive. It's going to be— it is— it will be the biggest wealth transfer, and you are going— and people are going to be so devastated. So anyway, with that being said, One of the things that I keep saying, and I was discussing it in my— in one of my coaching groups, is I do hold my XRP inside a Roth IRA with iTrust Capital. Because when the infrastructure story becomes the price story, and it always does, every dollar of appreciation inside that structure is going to stay mine. Now here's the good news. I talked to the CEO, and he is a very kind man, all right? Very kind. I mean, he's picking my brain on like how, you know, making decisions with, you know, employees, just getting my opinion on the employees and their retirement stuff and how can I empower women. Because what we're finding out and what he was starting to say is there's a lot of women that are coming out saying they're single, you know, they, they have to provide for their family by themselves. They don't have, you know, a man there alongside them to take care of their kids. Even though they both made the kids, right? And so a lot of women are now having to take care of their home by themselves. So he was like, how can I empower women? Because this situation is probably not going to get any better in the future. How, how do we bring something that can help empower, you know, these, these financial difficulties that people are experiencing? And he's— and he's like, he looks through the comments, he He looks through this stuff and, uh, like I said, very kind guy, and I hope to have him on my channel at some point. Um, but they are listening. Okay, so iTrust Capital, here's the breaking news. Come this sometime around the summer, they will be adding now stocks and ETFs to their accounts, to their Roth accounts. So when we have a pullback, a correction, a crash, or whatever that looks like, you can now through also iTrustCapital, you will be able to purchase stocks and ETFs. And my heart was so happy to hear that because the evolving of it. And of course, people ask those questions. Like, this is a, you know, to be the pioneer of a Roth account where you can actually buy digital currency, that was very thoughtful and thought out. But now they're going to, because they hear the cries of people or whatever that looks like, they hear what people are asking. So they will be evolving and they're listening. And so I love that because I, I love it for my community. And I was like, yes, you cannot have some ETF. So now you have an— again, this is an infrastructure being built for decades. Now you have the opportunity to have gold and silver, uh, backed by physical gold and silver in the same account as digital assets. And now stocks and ETFs. And remember, at the end of the day, everything is going to be tokenized, you know. And so, um, I, I just, I just love that, right? So I, I say that to say, right now cryptocurrency is suppressed still. It's in a bear market. Get in on something that's going to be a tax-free account where the appreciation— you won't, you won't have to pay anything. I know some people even now over, uh, who's over the threshold who are like Hex, I'll put even a minimum amount in there for my grandkids and in XRP and XLM and just let it go up for them. So there I have even people who are now doing it for their kids and their grandkids because it's like this will help them when it's time to build their business or, you know, buy their first home or whatever, whatever that situation is. And so, um, and of course if you have the earned income or whatever. But anyway, the link is in the description for that. There is a $100 funding bonus. I was excited to tell you guys that and, and I'll continue to say it, um, just because I know everybody's not here. Um, let me look just through the comments because I, I just was like having a heart-to-heart with you guys. And, um, hopefully that, that, that brings joy to your heart that you can kind of, um, buy a little bit of, uh, ETFs and, you know, um, and maybe some dividends in there. And please smash that like button, by the way. Um, look at this, I didn't notice, uh, DoorDash might pay drivers in XRP. Please look this up right now. Hey, um, I'll look it up when— as soon as I get off. But I'm telling you guys, as the, as the news starts going further and further, it's going to be uncontainable when word gets out. But I can tell you right now, um, it's going in the right direction. Thank you so much, Rhonda. Just going through some of the comments, making sure I haven't, uh, missed any. Um, yeah, yeah, I believe this to be true. I love this. Don't worry about the banks. Loaning money is the bank's asset. Don't borrow from them. They will come begging. They gonna need you. And I believe that. I believe at some point, if you hold, you're gonna be lending your stuff out. They gonna be trying to come to you. You gonna be the bank. The, the whole— the— it's, it's gonna flip, okay? The whole plan is gonna flip. We're gonna flip the whole script. The script is going to be flipped upside down for God's people especially. I promise you, it's gonna be Um, somebody said no, not ETF, it's a waste. And you know what, that's fine. But think about this, you may think it's a waste, but you have some people that like more safer plays and they don't like the volatility. Like if you're older even, for example, right? And, and so think about growth ETFs or dividend ETFs. I, I get what you're saying though, some— for some people they think it's a waste, but I do, I do dividend ETFs. Right? Because I think I get a lot of people who are looking for passive income and they wish they would have invested in like dividend, maybe ETFs or something that can pay them now when they were younger. Now that it's like playing catch-up, so you have some people that have invested like when they were younger and they just loaded up and now they got— you can get passive income. And remember, you can also borrow against some of your broker— your brokerage account. Like though, that's it increases your net worth. You know what's encouraging is that I don't— you know, like, if you are in your 40s and 50s, you know, Warren Buffett, a lot of these wealthy people didn't start really taking this stuff serious until they was like in their late 40s and 50s. Okay, so you know how like you might think like, I'm later on in life and I should have been doing this in my 20s? Most of the billionaires, they didn't either. Like, it's something about your brain that turns on when you get a certain age and you start realizing like, I need to, you know, Um, but anyway, this— the ETFs are for a certain type of people, right? And so it's a smart— it's a smart move for them because it's for a certain type of people. Everybody don't like too much risk, all right? And everybody don't have time for this thing to play out too much, so they would prefer to get into something that incentivizes them now for holding on, right? So, um, but you know, I get it, like some people don't want ETFs and that's fine, you got your choice, but that The— what I love about it is options. You have stocks and ETFs, and you have stocks, good companies that will do, you know. And if you, if you 2 years out, I get it. Most people are holding— they can hold through, like, their mindset is because, like, again, the Warren Buffetts and, you know, people who be— who understand holding companies for like 10, 20, 30 years, like, I'm holding Amazon through all the way to the— like, a lot of people are not thinking 1 year out, 2 years out, or anything like that. They're thinking way out. Just you hold through the volatility, and at the end of the day, the stock market does have a rapport. Um, now I'm not saying that they— it can't get hit, and you know, it's taken a decade for the stock market to come out of the, uh, pit. But there's people who are still invested and they just dollar cost average and they're holding long term, so they're okay with that plan. Right? Um, my kids— I wouldn't, I wouldn't tell my— I would tell my kids get some ETFs, get some good stocks. I mean, they invested in Amazon and somebody in the video, uh, but they're long— they're, they're teenagers, so look at how that's gonna come out. Um, yes, your, your cold wallet is your secure wallet as well. Again, these, um, make sure you have your cold wallet. That's your sovereign account, but different accounts for different reasons, okay? That's just like telling somebody You know, there's different accounts for different reasons. Like, your— I know people who have gotten all of their, um, stuff taken off of their cold wallet, and that's why I say maybe have more than one cold wallet, okay? So you start hedging yourself in different ways. Then you have some people that's all the way invested in, uh, cryptocurrency, and it's like, okay, why don't you diversify with a little bit of, um, you know, maybe a little bit of silver and gold? Maybe you like more silver than gold, that's fine. Some people like more gold than silver because they don't like the volatility of silver, that's cool. Options. You guys have options, options, options, options. I do not— I'm gonna just let y'all know, I don't believe in one route for everything. I just— I'm not that person. I'm not that person that put all my eggs in one basket as I'm growing. Like, in the beginning, yes, I could tell somebody, you ain't got nothing, get you some XRP. Okay, not financial advice. Okay, um, but as you start growing in your structure and stuff and you realize, oh, I'm overexposed here, oh well, what happens if this— Like, if you're in digital currency, look what happened with people who got in on the top. Then you come down 70, 80%. Um, so I love Tangem wallet. And by the way, I do have a Tangem wallet link in the description, and it'll give you 10% off of your Tangem as well. So if you don't have a cold wallet, you gotta get a cold wallet. Like, that's a non-negotiable, all right? That is where you keep a portion also of your, uh, crypto, okay? So make sure you do that. Just looking, um, a lot of people I see like Tangem. Tangem is really nice. Um, I'm late, what I missed, Don? Uh, I'm just— I'm getting to some of these. Um, yeah, most of the fake news keep us distracted. Let's keep— let's keep our eyes on the prize. Uh, is it okay to keep XRP on Coinbase? No, I don't think so. Coinbase and the exchanges, they own your XRP. They own it, meaning it's on their books. So they owe you and you're the creditor. So if anything goes wrong and you can't get access to it, or they just— anything, they freeze you out or whatever, your stuff is lost. So I would get it off of Coinbase. I would get your XRP off of Coinbase and put it in a cold wallet. If you do want to expose yourself to a little bit in a Roth IRA, if you want to expose yourself to institutional, um, custody, um, and you want to diversify there, you can. I, I know a lot of you guys, um, and I, I I get it 100%, trust me. I know some of y'all are 100% cold wallet people. I get it. I'm not fighting you. Do whatever you feel good with and, and what helps you to sleep at night. I am not that way. And I can tell you from someone who has under— an understanding of behavior, okay, and people, I can tell you that to push that as an only option will restrict people from participating in digital currency. Because I keep telling you guys, I have people that say, no, I don't want to deal with that. I don't— it makes— I don't want to end in— I don't want it. So then what do you tell them? Well, since you don't want a cold wallet, walk away. Don't get in. No, you tell them, listen, well, you gonna get— open up you a iTrust account. Some people don't— they don't understand. I'm gonna tell you how bad it is, um, and, and I want you to actually understand a cold wallet. I sat on the phone with somebody for over 3 hours helping them to get their stuff in a cold wallet. Because somebody— because they didn't understand a cold wallet, somebody came along and tried to take over this person's cold wallet and say, hey, I'm— I'll do it for you. And because they didn't know— I mean, if you're not— you know what I'm saying? Again, you just gonna, you know, yeah, you can do it or whatever. So this person was about— when XRP take off, I believe this person was probably more than likely going to just take all of the— this person's stuff because they had access to it. And I, I was like, no, no, no, no, I don't care how long we gonna stay on this phone with you, you gonna learn how to get this cold wallet together. We gonna walk you step by step. Let's, let's do it. Okay, hey, I got another appointment, but guess what, I'm gonna call you right back after this appointment. Like, I was— I had a lot of appointments that day, but I was like, I'm not letting you fall by the wayside at all. So trust me, I am all for it. But this person almost, almost lost everything, probably. Okay, so, and, and so if you have it exposed to another account, it's just an add-on. It makes sense, like, to get involved in an, in a, um, in a, an account that has tax-free advantages. Like, even if it's a portion, it makes sense. I don't— I'm sorry, I can't— options, people are different. Everybody's not hardcore, you know what I mean? Like, you know, they've been studying this stuff for years. It's It's overwhelming. So that's how you get, um, people started. But again, me, I, I just, I want an account that don't have many taxes, and I got my cold wallet. I'm not a this— everybody's always trying to do this or this or this or— no, I'm a this and this and this and this, and I got a Decent Wallet, and I got a Keystone Wallet, and I got an Epilogue, um, Ellipal Wallet, and I got a Ledger wallet. I got a Ledger stack, and I got a— and I got several— I have it all, trust me, because I like research anyway. So I like a little bit of diversity with stuff like that., and I can tell y'all what my thoughts about it are, okay? And a Trezor. I mean, I got all of them. I, I got, I got a cold wallet that I had for 7 years. I ain't even use it, okay? Um, thank you so much. I appreciate this, Rodney. You are so amazing. Um, thank you so much, uh, to XRP Max. Uh, it's 8:35 AM. Oh, it's early in the morning here in Melbourne, Australia. Love it. P.S., my wife loves your hair. Thank you. Tell her thank you so very much. That is so kind of her. Metals booming, crypto dying. Yeah, for now. Absolutely. So I have both. Um, August passes the Clarity Act. I see you. All right, uh, let me get to a few more. Uh, thank you so much, Purple Rain. Constant DCA with long-term plan on these infrastructure plays. I love it. That's the, that's the name of the game. Long-term DCA. Keep your emotions together. Don't be swayed by all the news. Uh, if you want to trade the news, that's fine. You know, you can do your taco trading. Y'all know what it is. Thank you so much, Anita Moore. I have a question about a $100 buy I made on ETH but failed to process Simplex on-ramp. Then it says contact the provider for refund, but the page they gave me is not working. Also, SHX, TRF. I love SHX, not sure about TRF. Not sure how that works. You might have to contact them and make sure it wasn't you know, some wrong page, or, you know, I get, I get real eerie about stuff like that. You putting something in and say it failed, make sure it didn't come out your bank, make sure you disconnect anything just in the moment. You know, I'm that type of person. I'm gonna tell y'all what kind of person I am, and my, my dad did this to me. Like, if I, you know, it's, you know, you know, people are scam artists, y'all. They will try to distract you while you're at— I've seen it happen. I, all the way from when I was 15 years old Uh, because I worked at, uh, my first job— I always say this— I worked at Taco Bell when I was 15. I lied on my application, God forgive me. I was just trying to make money all the way back then. And, um, somebody, uh, you know, they, they would do this trick and, you know, like they give you money and get you all confused and, oh, can I have this back, and can you give me change for this, and all, you know what I'm saying? They do this little game or whatever, but it's always somebody, you know, trying to you know, they have these— uh, I can't— it's at the top of my head— these things that can protect your phones and stuff. But if I'm at a, like, a grocery store and I'm about to try to pay a bill and sometimes somebody try to distract me, like, excuse me, man, I turn my phone off. I'm like, now you up to something and I don't want nothing to do with it. Because why you trying to distract me while I'm trying to pay this bill right now, like, with my phone and stuff? Like, no, don't. I'm, I'm a very aware per— I step two steps back. Somebody come, I step two steps back. I'm looking at my surroundings. First of all, I'm in a— I'm, I'm in a stance where I can respond well, you know, with self-defense, if you get what I'm saying. And so, you know, hands up, like next to face, just trying to, you know, hands not down, not in my pockets and all of that. No, you got to have your hands up ready. You got to look and see, is it, is it people coming around? You got to watch your surroundings. People are on another level. And I'm gonna tell you this, if this world gets to a place where, where it's a, it's a hard struggle, you're gonna have to survive. If you do got food stored up, you're gonna have to survive, be the survivor, because people will be coming. If you in a, if you in a city area, now you gotta figure out how you gonna protect your stuff because people will come for you, okay? So be very careful even with thinking about stuff like that. You better, you better get your, get what you need, okay, to make sure your house protected. That's all I can say. Like, uh, been going, uh, thank you so much, LNG. I've been going in on XDC and Velo. I love it. Same here, same here. Do you think, uh, 100,000 XDC, a million Velo, 100,000 HBAR? You know, I'ma just be honest. 10,000, okay, I can tell you right now, 10,000 XRP is a very good position. I, I don't have my— as far, you know, I don't know how much 100,000 XDC— I would have to look at the, um, the numbers and, and, and see. I, I don't even keep up, to be honest. I don't even know how much I have. I'm gonna be honest, I just keep buying. Um, so I'm not like, um— I don't even know how much, uh, none of it I have because it's so spread out and I just keep buying. I know, I know what— I know what a, uh, my base layer is but I would have to look at the number because I don't know how to convert in my head, you know, a million VLO. I don't remember the price off the top of my head or anything, so I can't— I'm, I'm just gonna be honest with you, I can't tell you that. I kind of do know, um, yeah, 100,000 XLM, um, a million SHX. Yeah, those are good numbers, uh, you know, just— but I don't know exactly what, what they are. Um, I just accumulate, um, because I can't even tell you how much XRP I got. To be— I know it's a lot because I'm like I said, and I know I got— I don't even know how much I got for my— I just keep buying, I just keep buying, I just keep buying, I just keep buying. Okay, um, so I do little audits here and there, don't get me wrong. I know around about— I'm not, you know what I'm saying, saying I don't completely know. I know around about, but I have so many, uh, places that they are that, um, I just— I have to like monthly do like a little audit and just kind of see where I am. So I'm not, um, and honestly, I can guarantee you long-term investors, they always don't know where they are. They don't, they don't pay attention. They're not looking every single week or whatever how many they have, unless you're starting off. Now, when I was starting off and trying to get to 10,000, I knew exactly how much I was— 6,790. Okay, I need this much. Like, I was real into it. But once I got over a certain threshold, I was, you know, it's just like, just keep buying. So, um, but I'm sure they are good positions if you got 10,000 XRP at the back. But yeah, the XLM, the SHX, I can tell you, even the HBAR, I think those are good positions. I can't remember what VLO and XDC is at. I just keep buying. But what I love, I will say, is that you have numbers, that a goal. And you know what, I think you should reach those goals. And then when you get to those goals, then you reevaluate, and now you got your next goal set in place after that, whether it's more accumulation of that asset or allocation now into something else. Um, so, but I love it. I love, love, love it. Um, I see we got a new member. Thanks, Tamika. We gonna rock and roll next Monday. All right, I just want to give you guys— I want to make sure I'm going down to make sure— okay, I forgot a few. Don't worry, I'm gonna get to the Super Chats. Thanks, Dwayne. What's going on, Hot Queen of Finances? Besides the Roth IRA, how else do I not pay capital gain taxes? Like my cold wallet, um, don't sell, don't sell. So we know that, um, you will— some— a lot of people do have their take profit order, you know, orders. Some people won't ever sell, okay? Some people won't ever sell, but some people need to because they want to hurry up and pay off, you know, high interest debt and— or maybe even reallocate into some cash flow businesses just from a small little profit. That makes sense, okay? Uh, you can even Like I said, even at this point, somebody could say, hey, I got enough long term, I'll start buying now because when it hits, you know, $5, $7, or $10, I'll take profit there and reinvest it into something else. If somebody decided that they wanted to put $10,000 at this level and do a 10x, that's a great return. Um, so, but just remember, you're gonna pay taxes on that, okay? Um, a Roth IRA makes you become long-term minded, and the thing about long-term accounts are that they put boundaries in place. See, you know, we don't have the willpower to always do what's right. We don't. That's why we have to put guardrails in place. We say what we gonna do, and then we wind up a woulda, shoulda, coulda, and all this other nonsense. Um, but at the end of the day— and that's why people should even automate sometimes their investments, like automation of, you know, I'm automatically buying this, you know, dividend or this company or whatever you're into long term. Um, but the way you don't get capital gains is that you're gonna have to have a, a strategy to take, uh, to borrow against your, uh, your crypto or your assets in general. And another way to, um, help with taxes is to start a business, um, or to get real estate. Um, so there are— and it's because you have write-offs at I want y'all to know the highest taxpayer is a person who has earned income, who gets a W-2. You are the highest tax— you're going to pay all the taxes. That if you, if you got a business, you do rights, write-off galore, okay? Everything's a write-off. I work from my phone, I work from this space in my, you know, my little office area. I work from, uh, you know This I think is a write-off too. I gotta send back texts for my business. Yep, did some work there. Uh-huh. So you get a good accountant, you take a trip up— this is a business investment trip. This is a— you get coaching, you can write off for coaching. Okay, if you get coaching for your— like, there's so many write-offs, right? So people who own businesses, they, they do— they pay less taxes than somebody who has earned income, even if they make more money. Okay, some people won't even take a— you know, I barely pay myself. I don't want to pay myself. I don't want no income, no income, right? So some people reinvest back into their business. They don't take much money for themselves. I don't have a paycheck, I don't have much, so I can't pay much taxes, right? So, um, and then remember Elon Musk, he, uh, took pay. He like, oh, don't give me no money, I'll take options for my income. So there's more options when you have a business. Um, uh, so yeah, that— I mean, you know, borrowing against is the greatest way to not have a capital gain. If you— because a loan, a debt is not an income, it doesn't qualify. You only get taxed on taxable income, and debt is not taxable income, right? Um, I don't do price predictions, unfortunately. Uh, I just— I'm not the one to do price predictions, but I could just tell you off of a hunch, 2036, we all gonna be looking good by that point. Uh, like, so I mean, that's 10 years from now. Um, the sky— I— there is— I don't think there's a cap to how far, how high. I know some people think— I don't, I don't. Because why? Because the demand is going to continue to outweigh the supply. It's a deflationary, um, asset, and the more it's used and utilized, it, it's gonna keep going up. I don't think it's ever gonna not go up. That's just me. There is no ceiling to XRP. So I don't know, like, I'll never tell you that XRP won't go to a million dollars. Now, could it take 50 years or whatever that looks— I don't know, but I can't tell you what it's not gonna go to. I, I don't think it has a cap. I think it's going to surprise people how high it can go. I don't think you're going to be around to see how high it can go. Um, but anyway, that's, uh, hopefully that answered your question. Thank you so much. Um, Ling, again, been DCA for 2 ounces of silver and 1 gram gold monthly. I love this. This is a great plan. And, uh, hey guys, if you guys don't have any silver and a little bit of gold in your portfolio, I think you should start thinking about it. I'm not telling you to do it. I just think you should start thinking about it. The diversification because of what these physical— I got a video, I'll talk about what, what signals gold. I've been researching and, you know, I try to research, do my own research, you know, try to seek the top experts in these matters and just— I just do a lot of digging, okay? Um, and so there's a lot going on with, uh, silver and gold. Um, and I'm gonna get to the last of the, uh, Super Chats. Uh, Kamilah Stevenson: I found crypto is so scammy. Um, you're only one of two people I found that I feel good about. Oh, thank you so much. Always use discernment. You're here doing your soul mission, sister. I appreciate this so much, Ashley. And yeah, it does get very scammy. You don't know who's trying to like do you dirty or not. And I think it's going to get worse and worse. And by the way, I love that you even mentioned the whole scammy thing. Please don't ever— on my comments, don't ever call anybody. Uh, I would never give you my number and tell you to call me. If somebody say, hey, it's Kamilah Stevenson calling you, I need your info— no. No, no, unless you are on my clarity calls, and you'll know when I call you that you're— because I'm gonna call you at the exact time. Don't ever give anybody your seed phrases. Don't let nobody manage your cold wallet because you don't know what you're doing. You know, that's why I was like, I— it's my responsibility. I've told them, I told the young lady, um, you're not getting off this. I, I, we, we— if I gotta call you and spend the next 10 hours I will do it because this is your money, this is your life. And I had a— there was another, uh, person who said that, um, some people took their— asked them for their seed phrase. Um, don't give anybody your seed phrase. I felt so awful. Oh, these people are so dirty. Oh my goodness. Um, so watch it. Uh, I have a lot of impersonators. I found out that I got a lot of pages that say that they're my name and they're not. These people are just— have no life, y'all.. But thank you so much, Ashley. I appreciate this so much. And I will hope to God that nobody thinks that I would ever, you know, try to reach out and get your information. It's not me, I promise. I don't care if it's AI or what. It's not me. It's not me, I promise you. Um, Megan, thank you so much. Dr. K, once the financial structure changes, do you think there will be a bear-bull mark? I don't know. I don't, I don't think it'll be the same because now it's running off of utility. And we've never seen a market that included institutional adoption at this measure and a use case scenario this strong. Everything has been so speculative after that. So I would have to guess that it would be different, you know, like that there would be floors, maybe there's cycles still, but I think there would be more floors where it wouldn't go under a certain amount. It definitely wouldn't be the same. I just don't think so. Um, but right now we are still technically on a cycle. Um, and that's why I don't understand why people are so impatient, because technically if we were on a cycle and you're looking at Bitcoin's halving and just when a bull cycle would start, it would be the year of the election. So this would wind up being in 2028, right? Um, so we're still 2 years early technically. And, uh, but I think it's going to— even this cycle will be thrown off because of the institutional adoption and the, and the utility case. So, uh, I just think it's going to be different. And once that's proven— so to me, once that's proven, I think it's going to set a new order, and we'll follow that order. And we'll have to get, uh— that's why we all learning in real time, if you ask me. Um, but thank you so much, I appreciate this Super Chat. Um, Dwayne, I love it, I love it, I love it. Um, I'm funding my Roth IRA to the max. I want the full benefits from my gains. I'll wait 10 years. Started XRP in 2020. I love it. Long-term minded. You will succeed that way, and time will pass by very quickly, by the way, you guys. Um, and same with me, you know, I think you should max out your, your Roth accounts. I think you should max out your opportunity to not have tax gains, because now you get to decide whatever it is you want to do with this. Even, you know, when you borrow against, you still got a monthly payment on that. So I mean, it's not completely like you, you're still going to have a monthly payment, but imagine just having an account now that you can just store away and let it go as high as you need it to go, and then, you know, cash out. And you can cash out anytime you want inside of Roth IRA. You don't have to wait to the very end, right? So, uh, somebody said XRP is not for the USA. Nope, it's not for any country. Technically it's neutral. Um, so Uh, but we'll see what, what we doing with the Clarity Act, man. Um, I buy physical gold and silver. Is that the same? Uh, nope, they're not the same. Um, gold is, you know, a safe haven. It's not as volatile. It's, you know, you'll— it won't, it won't run as much, but it neither would it fall as much. So it's a safer play. And I think silver is like the leverage of gold. Um, silver is an industrial, uh, it— there's a need. People need silver to make things, everything, a lot of stuff, okay? All your technology. I'm looking at my laptop and devices, and you know, so you need silver. Um, so it is a— it is something that is very useful. And so I think the, the supply will— the demand and the supply will— first of all, it's not the same as gold in its supply and demand case scenario narrative. And, um, but it is more volatile, so you do— you got to be okay with the volatility. And that's why some people will invest in gold. And gold is considered real money. It's the one thing that is 100%, uh, real money, okay? So, and at one point the dollar was backed by gold. And honestly, you should measure everything in gold, and because that's real money. The dollar is not real money. That's not You know what I'm saying? That's a currency. That's not real money. Like, what you— and, and how much dollars you have on your screen, that's not— that doesn't tell you how much money you have. It doesn't even tell you your net worth technically, because, uh, what you can get with it decreases as time go on. So it's not a good measurement of what you actually, um, have as far as money. Uh, so I like both. I have both of them in even retirement accounts. And but I, I always— I chose years ago to do more. I, I wasn't like super smart about this. I was just like, oh well, we use silver to make things, so I'm sure it'll probably do better. Like, that was just like a simple thought, like, and it is, it's true. Um, so but it's just more volatile, so you got to give it its time, you know. Um, and it can, it can volatile in comparison to gold, okay? So Yeah, but like, you, you have a time where like gold will gain a certain percentage and silver will gain a lot more than that. It is a 2,300% gold, uh, 3,000%, you know, silver. Like, whatever gold is gonna, um, whatever the returns on gold is going to be, silver is going to really outpace it. So, so I like a lot of silver. I like a lot more silver than gold, but I do, I do have both. Um, um, so Yes, that's the answer to that. Um, and then thank you so much again. You guys are so kind. Thank you, Dr. K. We'll keep accumulating and DCA. And thank you guys. You guys have been just so kind today. I want to make sure— um, somebody said cannabis stock looks good. Uh, I, I guess so. I, I haven't looked at their chart or anything. Um, but, um, Auntie, I made, uh, let's see, $4,500 off of POET. I love it. I love— yeah, POET did good. I, I brought POET to y'all a long time ago. Ago, um, and told you guys about it and what I was at least doing with it. And, uh, and I follow all my, my, my, um, top Premier people as well. Uh, 101, worth the investment. She calls on time. Yes, I definitely do. I try to be there and, you know, make sure I'm ready to go and got, got my little notepad. I mean, I'm going in on it too because I want to make sure that I deliver exactly what you guys need and get you guys in the right direction. Thank you so much, Martin. I appreciate this. You guys are amazing. I see some new members. Um, yeah, so what's up from San Francisco as, um, also. All right, so yeah, if you guys are interested, you know, if we're talking about, you know, everything that we're talking about, if you have bigger questions about it, you know, how you think about your total positioning across a long-term thesis, and you know, you're going to have your specific numbers, your specific structure, your specific plan. My one-on-one calls are going to help you get very clear on everything. And, um, give you a framework for that. And then also I do have my community, um, where we are coaching every step along the way. Uh, we're meeting up every week and I'm killing it. Uh, everybody's getting their plan together. It is amazing to be in that environment. What's up from Malaysia? What's going on? I used to have a Malaysian, um, roommate when I was in college, and, um, I loved it because I, I liked, um, I like rooming with international people, just because I love learning other people who are not in my— I'm like, I want somebody outside my, my nation, you know. Uh, but she was so sweet. Oh my goodness, she was— you just made me think about her just from saying Malaysia. Uh, but you guys are great. Thank you guys so much. I appreciate all of you all. You all know I'm gonna rock with you. I'll be back on Saturday, um, to talk about some new things that I couldn't cover. I can't cover everything at once. It's so much stuff coming out. I always say I can't even keep up with it, right? And so, uh, I want you guys to stick to the course, get your structure in order, be intentional, be as serious as possible. I try to educate you because I feel like education is the barrier. It's the barrier, uh, it is the pro— poverty is an educational issue, okay? Scarcity is an educational issue, um, and of course a programming issue. But you know, I try to trinkle a little bit of that in there too. As you, as you guys know, I love neuroscience, right? So I try to get the identity in there too, as, as, as well. All right, thank you so much. I appreciate you guys. I'll be back on. Like I said, like and subscribe and share this video with someone. And as always, I want you to stay wise, stay wealthy, and I'll see you in the next video. Peace out.