While Retail Panicked... 351 Institutions Revealed Their XRP PLAN
Kamilah Stevenson breaks down a Coinbase-Ernst Young survey of 351 institutions: 18% already hold XRP, 25% plan to buy in 2026, and 73% want more crypto exposure overall. She argues the current dip is a historic buying window before regulatory clarity and institutional adoption accelerate adoption.
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Hey, it's Kamilah Stevenson, and around here we talk wealth. Let me know if you can hear me. What's going on? Happy Monday. There's a lot going on in the market. I saw a comment already that just shows where the sentiment is, and, uh, yeah, sentiment is pretty low right now, um, and time is starting to feel slow and hope is starting to fade. Some calling it opportunity, others call it fear. I see it as a historical event, good, maybe bad. Um, you know what, what you have to start realizing in life, and I appreciate this comment because a lot of people are afraid right now, and there is really no good or bad news. It's all about the way you see things. Like, for some people they see it as devastation, other people see it as opportunity. Um, it really is the way that you see it. It really is. And if we can just step back for a moment and, and, and get the big picture, I'm going to share with you something today that should encourage you. I know a lot of people don't agree with some of the assets that I believe in, and that's fine. I think we can agree on one thing, which is that everybody should be investing at this point. If you are not investing, inflation is going to eat you for breakfast, lunch, dinner, and whatever snacks are in between. Okay, so, um, and we gotta start, uh, you know, these day-to-day moments are, are not the big picture. We have to look at the big picture. Okay, so I was just looking to see what the prices are at today. I was spending some time with my community. On Mondays we really get in Guys, go ahead and like the video and subscribe if you're not already because we're going to get into it. And I'm telling you, this is the opportunity of a lifetime whether you can see it or not. Um, and people are in trouble. I'm looking at— I'm just looking at the statistics. Um, some people are like, I am so tired of this, I am so tired, I'm not selling but I'm petrified, I'm going to lose all my investments, it's just scary. I get it, I get it, I get it, I get it. And, and I think, um, that's why I keep coming back to this idea of cash flow and making sure that you do have enough cash flow at the end of the day, because some people wind up having forced selling, and that's not always a good thing either. And yes, I get the scariness. And listen, I'm telling you right now, it could go under a dollar. It could go under a dollar. Okay, I had to walk with my, um, I just got off with my coaching group and I helped them to understand what's really happening. Like, most people are not looking at the right thing. I know you're scared, um, I see a lot of fear. Um, Family Aid, so grateful to be a part of this community. Thank you so much, I appreciate this. Listen, we're gonna get in because I'm always here to inspire you, I promise you. But I do want to screw the price I'm holding for my kids' future. I see it, I see it. And you don't lose if you don't sell. I love that. Um, drop where you're from. I haven't asked that in a while. Please put in the chat where are you from. I want to see who's chiming in from where, and I still want to gauge where people are coming from. William, thank you so much. This may be the last time that we could take advantage of this lower price to build generational wealth. Thank you, Miss, uh, Miss Stevenson. I appreciate you so much, William. And you are right to point this out, you guys. Thanks for the Super Chat, you guys. This is probably one of the last times that you're going to get these type of— even if it goes lower, I'm saying this window of opportunity, it will not always be here. What's up from Canada? I'm looking into some options for Canada because I know some of the, uh, the, uh, uh, the people that I work with, um, a lot of people still can't get access to like, you know, uh, Caleb Brown and iTrust Capital. From the different places. So I am, I am looking into some stuff. What's up, Purple Rain? Listen, this is the last time. This is going to be the last window. This space, whatever this space looks like, that we don't know how long it lasts, it may be the last time that you can buy prices at this level. I know it's scary, but let me tell you something, it is the same thing over and over. We buy fear. We buy fear. We buy fear. Everybody who buys fear winds up on the right side afterwards. It is— it's just that simple. And I know it's hard. I know, because it takes— it takes psychology. All right, um, and again, have a— have a time horizon as well. Have a time horizon, because while you're— you know, you can accumulate at these prices. I keep saying the more you have The more you can do it, the more options you have, right? D, uh, thank— first of all, thank you so much for the Super Chat. You are so, so kind, and you're always so kind giving to the channel. I appreciate this so much. How do you feel about the DTCC going live with real-time settlements 24/5 tonight? I believe it's a pilot. Um, I think it goes for real, for real, for real live in October. And, uh, and yeah, we'll, we'll see what— and I, I think that's a— it's a bullish thing, you know what I mean? That Now we're going 24/5, like every— all day except for the weekends, of course. And, you know, the thing is, is I love these type of pilots. First of all, all of it is long-term bullish, all right? Because we're going to see what the need for even fast settlement looks like. As we've never, you know, we've never entered into an economy like this before. Where it, it, there's this non-stop interaction with trans— with settling, you know, payments on both ends and the, the requirement of that. So, uh, but like I said, I think it's in pilot form in, in July of this year, and I think it, you know, so hey, pilot is still, it's still bullish. And then, um, so because things got to be tested out first, and then we go into October where the real, the real thing happens. And I know everybody is— I appreciate this so much, but yeah, I, I love it. I love that we're, we're— you listen, we are going into a tokenized society. And let me just, let me just explain this to you guys real quick. Um, thank you so much, uh, William, I appreciate this. Um, uh, let me, let me say something. Keep being poor, put in the basket, gonna be awesome. Yes. Um, like I said, Roughneck, I appreciate you. Uh, let me just say this, um, the, the, the economy that we're going into is unlike anything that we've ever seen before with going on-chain, going into, um, a digitized economy at this, at this level, right? This is something that we have not experienced before. And when they do pilots like this and they prove how there's What they do is they prove that there is a necessity for fast settlement, number one. And, and, and it's not just about fast settlement. They, you know, the pilots that they're doing are proving that there's a lot of different technologies that's needed in the process of this, okay? Because this is not a one thing wins. But I'm going to— y'all know I'm gonna bring it back to XRP, and I'm gonna bring it back to fast settlement technology. Cross-border neutral, um, because the trust is leaving the system. So we, we have to have something that is trustless, and I always say that. But I have— and I'll share more on this— I have been digging through monetary history, you guys, and one thing that keeps popping up to me is, um, the problem that they've been trying to solve is really not about Bitcoin, it's not about XRP, it's not even about blockchain. It is about how money moves, how money moves. And if we going into an economy where we're having, you know, 24/5, you know, um, you know, where we having 24/5 interaction with money moving, where we have an AI agent settling in real time with one another, like these things haven't previously existed. And even think about this, even outside of these things happening right? Even outside of these things happening, the monetary system was still old and slow. Okay, so now we're adding more stress to a system that hasn't even evolved in the last like 50 years with how money moves, or evolved in the, in the way that can move money a lot quicker for a lot cheaper. So even with nothing being added to the system it is still leaving a lot of money on the table. It's still slow, it's still costly, it's still a lot of friction. And, and so we got the— we got a double whammy here because so then we add all of this new stuff, okay? And then we are overleveraged. So I've been going all the way back on how money moves because you got to go way back. And I'm telling you guys, this actually This actually— that, Marcy, I'll tell you about in one second. This actually has been happening for a very long time with this, this game plan on how do we move currency quickly through the plumbing, through the system, especially from country to country, right? What's going on, CJ? And in 1944, after World War II, Bretton Woods created a new global monetary system Then 1971, when the US ended dollar convertibility into gold, the system shifted to fiat money. Over the following decades, then you had what I just talked about, which is debt leverage. And on top of that, financial complexity, it started to grow. So now you got this, you know, also into play. And then what happened in 2008 is it exposed major weaknesses in that highly leveraged system. And then in 2009, Bitcoin proved that digital value could move without a central intermediary. Today, central banks and the BIS and the IMF and the World Bank are all publishing papers on tokenized money, programmable payments, faster cross-border settlement. Those terms are— have been interchanged along this long span of time. Whether people on here agree with me or not, every— everything is clear. If you look all the way back to 80 years ago, the world's biggest financial systems have been trying to solve the same fundamental problem: how to build a faster, safer, safer, more efficient global monetary system. All the way back to when they started meeting after World War II. I've been diving into this, you guys, and I— because I think so many people are just focused on the price of digital assets. Wow. Let me tell you, this is what I noticed as I'm, as I'm researching this. This is what I'm noticing is that most people are looking at the price of digital assets, and most institutions are focused on plumbing. That's it. They're focused on plumbing. So if you're not focused on plumbing, you are going to miss out. And I'm going to share with you what the institutions are doing too, and it's going to really encourage you. 80 years— go back and do your own research. I'm telling you, y'all, the same conversations back in 1940. How can we move money quicker between two different— they was trying to solve this problem a very long time ago. I'm telling you. And so this problem has existed for some time now. And, um, yeah, this is— this is not new, y'all. It's not new. Um, could XRP ever hit $100,000? I mean, I can't tell you what XRP can— will hit. Can, can it? Do I think it can? Yeah. I do. When? That all depends on liquidity. See, most people are missing like the biggest part in all of this, which is liquidity. But I'm gonna help you to understand that too, right? I'm gonna help you to understand that too because, uh, you got— you— it's all about perspective. Now somebody— I'm gonna dig into it and, and also after I get, um, off with you guys, remember I do get on with my members Um, so we, we're gonna talk, um, a little bit about, um, ISO, uh, 222. I'm gonna talk about that, uh, because I hear that a lot of people asking about it, what it is. Um, and most people don't even know what it is, but I'm going to help my members to understand what it is and why every major bank on the planet has already switched to it and how to tell whether or not you're actually holding, uh, the right technologies, uh, that, that fit the systems that institutions are moving on to because they've already been plugged into it. And, and so, and I want to talk about the coins that exist inside of that. And so we're going to dive a little bit deeper. I think it's important that you be educated about what kind of coins you should really be investing in right now, and a lot of people are still unclear about that. Um, so what's going on, Lady Care? So, uh, we're going to talk about that. Also, somebody asked me about my martial arts test. I could not come on Saturday because I was testing for over 6 hours with burpees and, and fighting and, and bear crawls and, and fighting and fighting and fighting and fighting for hours. And what a blessing it is to be able to do that. Was it taxing? Was it exhausting? Yes, absolutely. But you know what, a couple of months ago I had a back injury and I couldn't even walk for a few days. And man, I would rather be fighting for 6 hours than locked up in bed for, you know, a weekend or whatever. And so I just— I am grateful to God to be able to move like that and to be able to have the endurance. I had to train for it, of course, and make sure, you know, that my endurance was going to be good for the testing. Uh, but I love a good challenge. I don't know about y'all, but I love a good challenge. And, um, I think the hardest part of the challenge is making sure that you're mentally ready first. You got to be mentally, mentally ready before even being physically ready, seriously. And I love a mental challenge, so it's more of a mental challenge even, um, with that. All right, so, uh, it did go well. Uh, we got past the test, and I'm already looking forward to the next test. I have to wait a year to test again, um, so a lot of training in between. And getting ready for that next level, and every level up is very difficult. And, um, I love the challenge, and it was fun. It was fun. All right, having to fight, and I mean, we started off with 3-figure burpees just to warm up, man. Uh, but it was awesome. It was awesome. All right, thank you so much, Desmond. Um, today's sacrifice will bring unbelievable gain. It takes patience. XRP is the answer. And that is right. And listen, let me tell you, like, all jokes aside, and again, Some people can agree or disagree, but we all need to be investing, okay? We all need to be investing. It is going to get extremely rough for people. Um, the signs are there, like, it's going to get rough. Matter of fact, um, I need you guys to know why I'm pushing you guys so much. And, um, and I, and I'm just gonna keep doing it. I'm just gonna keep doing it. But everybody's not gonna always have the opportunity For those who don't know how bad it is right now, Americans are, are carrying a record of $18.8 trillion in debt. Credit card balances are above right now $1.25 trillion. Credit card balances— do y'all understand how, how high that is, right? And I'm gonna get to some more of the, um, um, Super Chats. That is high, y'all. $1.25 trillion. And, and the share of people falling behind— huge. They are falling behind, like, has hit, they said, the highest level in 15 years of people getting behind on, on their debt. And listen, uh, even though I do think too many people are consuming and spending money on stuff they shouldn't, most of that debt that we're talking about is not lavish spending, it's survival debt. Groceries, it's rent, it's light bills, um, going on the card at about 20-something percent interest because the paycheck that they get is not being able to cover everything. Nearly 4 out of 10 Americans could not cover a $400 emergency without borrowing for it. And y'all know when an emergency come, it's more than $400. 1 in 3 have no emergency savings at all. And I think, um, on a single night, I think it was last year, they had said more than 745,000 people in this country, I know, were homeless. The highest number ever recorded for individuals, ever recorded. And there's a large amount of people sleeping in their cars, they're sleeping in public storages. I'm not telling you this to say— to make you depressed. I, I'm just I'm telling you, this is why I work so hard to help, like, educate. Because you think it's bad now, it's gonna become unbearable. Because the prices right now, like, even inflation and people buying and stuff, you know, just everyday goods, you know, just like, again, their basic needs is rising faster than what wages are rising right now, okay? So, and, and, and the consumer prices I think are roughly around 26% higher than they were at the end of, I want to say, 2019. So when people say like they feel like their money is not going— that is, it's the truth, y'all. It's, it's bad. It's bad. It is bad. It's bad. It's bad. People don't have it. And now we're in a bear season and people's portfolios are down. I'm telling you, it's bad. But I got good news. Because I'm gonna tell you what people who are managing billions of dollars said, and this is a good sign. First of all, thank you so much again. You are too generous and too kind of roughnet. I read that the ISO 222 will end the coexisting period in November this year, and, uh, and this is news to me. Like, so if they're ending the coexisting period in November, then, then we got a little space. We got a space left. Right? The messaging system has been upgraded now. And let me say this too, it doesn't mean that, um, and I've said this before, it doesn't mean that every single coin will— I mean, you, you gotta get, you gotta get liquidity involved, you gotta get real usage involved, right? The money has to flow. Um, but it, it's a definitely a huge edge, it's a huge edge to it to have it So that's why I'm gonna walk it through. Thank you, I appreciate this so much. You are so kind. And for everything, um, you, you need liquidity. You need— you, you got to have liquidity, right? But man, Ripple, Ripple, Ripple, let me tell you something. I'm gonna get into it. Thank you so much, William. Hi, Dr. Cam, Willie from Canada. What's up from Canada? I'm a new investor, but I definitely feel like I got in just the right time. I would never sell my XRP because I know it will go up. Keep it up and give us good feedback and energy. I love to see it, I love to see it. And listen, I'm so excited it. I, you know, I get, I get it's a hard time, but you gotta, ew, you gotta see it before you— before, before it happens. You gotta see it, you gotta, you gotta believe it, you gotta understand it. And you're wasting time by being sad about XRP being down. You're wasting your— I'm telling you, let me just say this. Nothing I say is financial advice. Everything that I share is for entertainment and educational purposes only. Do your own research. Don't follow me. I'm excited. I am excited. I already feel excited inside. I don't have to see a green chart right now to feel excited. I, I already know where this is headed. And, and I tell you, big money know where it's headed. Because let me tell you what happened, so you can be encouraged. Because trust me, I'm encouraged to look at, well, what are people doing who got billions of dollars? What do they think about what's happening right now? Well, well, well, a survey was Uh, there was a, there was a test, there was a survey that came out conducted by Coinbase. Okay, for entertainment purposes only. That's right, good. There was a survey conducted by Coinbase with, uh, together with, um, I think Ernst Young, one of the biggest accounting and advisory firms in the world. They polled 351 institutional investors And I need you to understand who these people are because these is not— these not the people in the chat talking about, yeah, what you invested in, man? Yeah, I got them to some— no, no, no, these ain't— this ain't a group chat, okay? These are the big dogs, okay? These are people who— not— I think 96% of them, okay, all— mostly all of them, um, they manage billions of dollars. They have much more at stake than me and you, right? Asset managers, hedge funds, private banks, family offices— basically this the money that moves the world, okay? So again, we need to see what are they doing with their money while retail is screaming about crypto, you know, or, oh, it's a scam, it's going down, it's going— you know, we got to figure out what are they— well then, what are they doing with their money? I'm just curious. And here's what they said. As of the start of 2026, 18% of these giant institutions already held XRP. So almost 20% already held XRP. And, um, that's— to me, that's a lot. First of all, the 18% of them, um, because even some— I saw an interview, I was like, bless his soul, it was a, I guess, a big dog in the financial world, whoever he was. And he was like, uh, crypto is a scam. And I was like, oh God, like, you know, when people say that, it's like that's what they hear and they never study crypto, okay? And the fact that crypto again is, is volatile, all right? So I know big money, some, some people don't like that, um, that is so volatile, uh, but he obviously has no— there's just some people that even though they got a lot of money, they're still in the traditional sets and they just haven't researched. And I don't think he was prepared for that question, um, to be honest, because he knew nothing of what he was talking about. He was talking about it was a scam and it was, you know, um, something to do with, um, that, uh, you can't see what people doing something. And I'm like, that's totally actually all the way off because it actually is transparent and you can see what's happening on the blockchain. So he just obviously did not understand it And, uh, and I just feel sorry that they even asked him that, right? Um, but anyway, uh, the other 25% said that they plan to add XRP this year in 2026. Now if you add those together, you're looking at roughly 43% of the most powerful investors on the earth that already either holds XRP or they're planning to hold by the end of the year. That's almost half. On top of that, 73% of them said that they intended to increase their overall crypto holdings this year. And the majority of them said that they do expect prices to be much higher 12 months from now. So you gotta wake up. I'm sorry, whoever is not investing in it has to wake up. They said all of this during brutal sell-offs. Come on. While retail investors are absolutely exhausted and scared and selling at a loss and swearing off crypto, the billion-dollar players are filling out a survey saying, yeah, we add more. Why don't you understand that they have to know something that you don't know, right? When people say Oh, this is still a scam. Well, why in the world are people who manage and own billions of dollars saying that they're going to add to their bag? They see the same red screen that you and I see. Now, the other side of this is because the truth is most XR, you know, most of the XRP that's held through these investment products is still in retail money, a lot of it. The big institutional flood hasn't quite all the way arrived yet. Okay, institutional adoption at scale is a difference between institutional adoption. Okay, and but the institutions also said what they're waiting on. And when they were asked, well, what is the number one reason why, um, that they haven't increased, um, their exposure or would increase their exposure? And 65% of them pointed to one thing. What y'all think that is, y'all? What y'all think they pointed to? The Clarity Act. So they are waiting on the rules of the road before they finish, but they— all they need is the guidelines, okay? That's all. They are waiting on clear law. They need the clarity that lets a pension fund— because remember the type of investments that they hold— they need the clarity that lets a pension fund or a major bank legally back the truck up without having to deal with like the compliance department, you know, saying no, you can't do this or whatever. But pay attention because the smartest money on the earth has told us two things. One, we intend to buy this. Two, here's the exact trigger that we're waiting for. So they showed you their plan and what's going to get that trigger started, right? So think about what that means for the average person, okay? Oh, but we don't have a Clarity Act yet. Why would any person in retail want to get in after they pull the trigger. Why? I know most people are naturally wired to want to feel safe, but why in the world would you want to get in after somebody pulled a trigger? You don't have— you don't have money to ride on a momentum, okay? You, you, you got to get positioned, right? And so somebody said my emergency savings is in XRP. Well, what happens with— if XRP was to go down to 80 cents? What happens if XRP went to 70 cents and you got your emergency fund in there? Listen, like, no, this is serious because somebody said my emergency savings is in XRP. So I, I feel you, you like, I'm, I'm throwing it all, I'm, I'm risking it to get the biscuit. I get you, I get you. But let me just say this, and this is in protection of your, your bag. You don't want to be in a situation where a lot of your emergency fund is in XRP. XRP goes you know, to 80 cents. I'm just giving a hypothetical. And then an emergency happens, and now you got to sell at the bottom. That's the worst. So in order to protect your bag, you definitely want to hold a little cash on the side for a real emergency. So I will say that part, right? But I want y'all to see— I see, I receive it, I receive it. I want y'all to see that you gotta watch what is really taking place right now. Uh, so I say it's good with my soul. I don't— if I lose it all— listen, I told y'all, if XRP went to a dollar— I mean, went down to 1 cent— I'm buying. I wouldn't sell at 1 cent. I would not sell XRP at 1 cent. I, I, I, I— if it went all the way down and somebody was like, okay, and it started tanking or whatever, I wouldn't sell it. Um, hopefully you wouldn't either. I'll be buying it at 1 cent. But I'm saying that to say Most people, if it started dropping like that, they'd probably be out like, hey, it's better I catch some, you know, than none. This thing is going to zero. Ah, y'all think it's going to zero. Okay, so let me say this, let me say this, because, um, uh, there was an interview done, okay? Um, and so we got like— and I want to talk about that interview so y'all can understand what's really at play. So you have institutions that are buying. And listen, I don't think XRP needs the Clarity Act. I think it has the Clarity Act. I think it actually shines more without the Clarity Act, okay? That's my thought. Um, and it, it, it's the one coin that I think still could be repriced outside of the Clarity Act for, for different reasons, all right? For different reasons. Is that a guarantee? I'm not guaranteeing anything, but I'm saying there are scenarios that makes XRP shine. But my position is very long-term, and I told you guys. And, uh, Ben said the bottom is in, and I think the bottom has been forming. This is accumulation stage. Even if, even if there's a wick down, this is the bottom pretty much. Even if it goes down, listen, even if it goes down, we're at the bottom. Do you get what I'm saying? Don't wait, accumulate. That rhymes. Don't wait, accumulate. All right. Um, Purple Rain, I love to see it. I love it. Loading up my XRP, hit 86 cent range in the Roth. Love it. Tightening up growing positions. Market reversals and mental exhaustion, fight it, y'all. Fight it, fight it, fight it. It's a sign that means we're at the bottom. That means we're at the bottom. And I'm, I'm not saying like the bottom like tomorrow we go up. I'm saying we have been forming the bottom. This is the accumulation phase. This is it. This is it. This is it, okay? It wasn't when it was $2.50. It wasn't when it was $3 when everybody found it to be interesting. Like, seriously, I had too many people reaching out to me when it was at $3, talking about, do you think I could still buy XRP? I ain't got a soul. I mean, the birds are chirping and I hear them loud and clear. Nobody is asking me about buying XRP right now. Nobody. But when it went to all-time highs, I got all kind of people asking, should I still get in? This is how it goes. Now, while that— while coins are vanishing off the exchanges, we've talked through that. I'll talk more about it. I'll keep you guys up to date because the, the, the, the, the pool is getting thin, y'all. And the paper, the paper price, because I've talked about it's two different prices, it's two different markets when it comes to XRP. Like, it's the paper market and then there's the real market. Okay, so here's the other piece. Let me say this. Okay, so this is the emergency and I'm, I'm funding daily. Yeah. Now, and I want to make sure I didn't miss any. I don't think I missed any. Uh, let me go back up and make sure. I don't think I did. Okay. Um, so while we are, uh, I see the— okay, Dwayne, thank you so much. I appreciate this. I thank God every single day for what I have. I tithe and I, and, and promise a window being open more than I will have room to receive. I buy every week, sometimes 2 or 3. I love that. $1.03 is a super deal. There is time to get in. I mean, this is a better deal than it was. I was telling y'all to buy If you didn't have any, I was saying buy it at $1.20, buy it at $1.30. You think I ain't telling you to buy now at a— around a dollar? Come on, Patrice. Um, I'm new here, what is XRP? XRP is a techno— is a utility coin that is, uh, I'm trying to simplify it because I know being new, it is, um, that is a native coin to a technology called the XRP Ledger. And what the ledger does, it's a blockchain. Now banks already have their blockchain, they already have ledgers, okay? But it's a blockchain that, like a digital ledger, uh, that helps you to move money very quickly. The old system, how you use, you know, through your bank, if you wire money, if you wire money to another country, it takes a very, very— it can take a couple of days. You got intermediaries, it costs money, you got to pay for the wire.. And, um, and it's a slow process. And so when countries and banks in different countries, when they move money back and forth to each other, it's a slower process. It's a lot of friction in between, and they gotta hold money in that country's currency locked up in these accounts called Vostro and Nostro accounts. And that locks money away. And even if, even if, like, the money has to be locked away just in case they, you know, exchange money. And so what, what this blockchain does is it allows you to move money to a different country, to a different bank, in 3 to 5 seconds. So imagine 3 to 5 days going down to 3 to 5 seconds, and it's very, very cheap. So it's a technology that allows you to settle really fast, and, uh, that's the problem. So, um, and I'll share this for a minute for anybody who is new, and then I'll share with you what happened with Rip— with Brad Garlinghouse, with Ripple. Okay, um, so imagine like the mail, like the mailman back in the day where before we had the internet, before we had email. So now we got email, which is like the internet version of mail where you can move, um, data very quickly. But imagine you have to write a letter to somebody and then you have to put it in the mailbox, and then you have to trust the person who you put it in the mailbox to to now drive it or to fly it to another city or whatever, and then it goes to their post office, and then that post office person has to take that mail and drive it to that person's house, and it could take a very long time to get that mail to them. But then we got email, and now we could just type the letter and boom, hit send, and boom, it gets to them very quickly. That's what's happening. XRP allows that to happen because of the ledger And XRP is— has to be utilized in order for that to happen. And that's what makes XRP valuable, is because it's like the gas fee that allows that to happen. That's the best way I can explain it. But we're going from a very slow, costly process that we've been using for the last 50 years into a very quick internet speed-like pace when it comes to moving money. And, um, when you invest in XRP, you're investing in the plumbing, in the infrastructure of how money will move in the years ahead. And so XRP is only $1.03, just like back in the internet days when you were investing in the internet and you waited and you had a great profit because of the value of it. Today people are afraid because the, the call— because it costs you know, the cost is on— it's because it's on sale. They afraid because it's on sale. All right, so that's like going to get you a Lamborghini and the Lamborghini is $500— supposed to be $500,000 or $700,000, but you get it for $100. So people don't like that. For the question, people don't like that for some reason. So it's almost like saying the Lamborghini, they're giving it to you for $100, but now all of a sudden, would you think the Lamborghini is less valuable because it's $100? Assets are the only place people have that type of mindset. If the Lamborghini is in the red, if the Lamborghini is 85% off, would you want to buy it? Yes. Okay, for $100, right? And, and, and, and you, and you sit on it and you know that it'll go back to the value. Okay, um, how soon do I think we will see 3 to 4 digits XRP. I don't, I don't know how soon we'll see it. We'll see it as soon as thing— more, more, uh, liquidity comes on chain. That's how— I mean, it's just— so when does that happen? I can't tell you when that happens, but I can tell you they are positioned for it. I can tell you there's, there's, there's a lot of situations right now economically that can— there's a lot of macro-centered events that could allow for something like that to happen, but it's got to play out. And I don't know how long it would take for that to play out. So, um, but do I think it can go to 3 to 4 digits? Easily. I, I think it can go easily, but it's the time horizon that mo— that are tripping people up. Okay, that's, that's the time horizon. So, and to answer that question also, um, we have to Brad Garlinghouse went on CNBC. I don't know if y'all saw it. Did y'all see his interview on CNBC? You can go back and watch it. Okay, what's up from Huntsville, George? Um, and he said that Ripple has been— hear me out, let me say this, okay? Once, once it would scare me. That's why you gotta have your conviction. That's why you have to have conviction. It wouldn't scare me. I'd be buying. I would just think they're trying to scare you out so that they can slide in off of, of a pity. Clarity Act must pass is the one— is one thing. Yeah, I want Clarity Act definitely, uh, to pass. Um, I want Clarity Act to pass because it would just make for a smooth transition. Um, and a lot of institutions aren't going to get in unless it do. So I'm hoping that they pull this off together. They're supposed to be talking about July, looking through things. We'll see what happens with that. I'm so sick of going back and forth about the Clarity Act. Um, but listen to this. So he went on CNBC. This should encourage you guys. Let me tell y'all, okay? I'm like giving y'all the tea, and some of y'all probably saw it, but he went on CNBC and he said, uh, Ripple has been acquiring businesses all over the world into their ecosystem. And those businesses now move around— you ready for it? You ready for— are you ready for it? $16 trillion a year in payments and clearing. $16 trillion every year already running through the system Ripple sits inside. I don't think y'all understand what that means. Okay, um, and yeah, I'll, I'll do something, um, on, uh, I see some of the questions and I'll get to them in a minute, but I gotta say this, y'all. $16 trillion. And then he said— here's the part that he said that y'all gotta understand— that almost none of that money, close to 0% of it, currently uses digital assets to move. So here, let me break this down so you can understand when he says that, because that, that's something people listen to and they like— they don't even understand it. What he said again is that the businesses that Ripple pulled in already move around $16 trillion a year in payments and clearing, and that almost none of it uses digital assets. So he's not, he's not telling you people are buying XRP. He's telling you that there is already $16 trillion a year, a year of a river. Just imagine a big river running through their system on the rails, by hand on the rails, and the conversion of that river onto the ledger has barely begun. You have the plumbing You need the liquidity. So here's the question. It has barely begun. $16 trillion already in the system. So what happens if— what does this look like if even a slice of that flow starts settling on chain today? That money moves. So still right now is in the slow way through the layers of the middleman. Sitting in pre-funded accounts all over the world, taking days. Now imagine if even a few percent of that starts moving the way Ripple built it to move, okay? Right? It's not using it. He said he's not— because of, um, ja, it's the positioning that Ripple has been— it's the position. He— they, they want, they want people positioned, okay? So, but imagine if like they— there's a way they wanted to move, okay? They wanted to bridge across currencies quickly. Of course, you know how that happens. For that to happen, value has to pass through a neutral— obviously a neutral bridge asset from one currency to another. And on rails that, that bridge XRP. So think about, you have on one side you have this huge flow, this huge river that already exists, $16 trillion a year. And, and imagine when this money, this liquidity, needs a faster way. And then, okay, and then on the other side you have, uh, the supply of that bridge asset that's being pulled off the exchanges, pulled away, locked away in strong hands, thinning out. This is a growing flow looking for a narrowing bridge. Do you know what happens when that— when more value needs to cross and fewer coins are available to carry it? The pressure at some point will not even be gradual anymore. It's going to be a collision. I keep telling y'all about it. It's going to be a collision. And everything that keeps coming out keeps pointing to that same eventual supply and demand dynamics. And so you got to stay grounded. This is not a It's not a, it's not a switch that flips overnight, like one big switch. It's many. Like, uh, it's these type of conversions happen and they already know it. That's why they position corridor by corridor, deal by deal, over the years. Not in a weekend, over the years. But they've been doing this a very, very long time. So I'm, you know, I'm not— I don't get predictions. Oh, when does this go to 3, 4 digits and stuff? What I am telling you is the direction is set. The flow is— it already exists. The flow is already there. The rails are being laid, and the supply to carry it is tightening. It's tightening, y'all. It's tightening very tight. Okay, so that's what I need you guys to understand. Total market cap for crypto is $3 trillion. Total market cap for crypto is $3 trillion, but Man, we haven't even— we haven't even put the derivatives in this. We can't even— we, we not even gonna get into the— I gotta— I'm gonna do a whole session on the derivatives. So yes, it will break. It will break eventually, right? And it is being modest. It is being modest. So because you got like the derivatives market swamps everything. I mean, we ain't even— we ain't even talked about that, but they are they know what they're doing. That's all I can tell you. They know what they're doing. I know I saw a Super Chat. What's up, Dwayne? Thank you so much for the Super Chat. I don't want to see XRP to 3 to 4 digits until I get to $20K. I get you. Like, a lot of people like, this is such a blessing that it hasn't went skyrocketed or anything like that because you still have time to get in. And if I get there before then, uh, it's 3 to 4 digits, my new position is $30K. Yep, you get a new goal. I wanted that 85 cents so I can improve my position faster. Let's go. And so I love this. Thank you so much, uh, Dwayne. The reason why I love this is because most people's problem right now, I keep telling you, it's cash flow. It's, it's cash flow. So there's some people who have enough cash flow to be able to wait it out and accumulate and stuff and try to gain that position. That's cash. If cash flow is your real problem, then stop spending. But see, people ain't gonna stop spending. Start selling some stuff that you don't need. But see, people are hoarders, and that stuff make them feel good about their identity. So a lot of people don't want to do— like, you need cash flow, and, and you need to, you need to acquire, you need to invest. But see, a lot of people don't have it. But you know what, like, I promise y'all, people find money to get their hair done and their nails and their eyelashes and their haircut and all of that. Like, they really do find— they, they find money to do that. I don't know how they found money to do that and don't have any— like, it's not about how much, you guys. It's like, if you got $5 or $10, you need to put— you need to store it into something that's going to protect you from inflation, something that's going to be, you know what I'm saying, like, utilized at some point. You already see where big money is positioning. You already see what Ripple is doing. Like, that's why they're acquiring all of these businesses. They need the liquidity and they got it. They got it. Hasn't even— like, it— once it's— once things are on chain, oh my goodness, you guys, we are talking about something that you will never have an opportunity like this in your lifetime ever again. I, I just— thank you so much. I appreciate this. Lisa, I, I, I can't— I don't— if I can't, I don't know what to tell you. Go and buy you some, um, Pokémon cards then, if that's what you want to do. Buy Pokémon cards because they, they've done well over the years too. All right, I mean, if this ain't something you want to invest in, find something else, but just invest because this is all going in one direction. The only way to fix even the trillion-dollar debt— it's a deficit that we have right now— is to devalue money. That's the only play— that's the only playbook eventually. And you got to be on the winning side of this. And yes, they said Ripple is their North Star, so every decision that they make, every decision that they make is to benefit XRP, their North Star. If you can't see it, I don't know what to tell you, right? And if XRP goes to 0.00001 cents, I will be buying, and most people will be selling while institutions are loading up. They're— so y'all, this is what I say, and mark my words, mark my words, and I've been saying this for a while. I think institutions are going to FOMO in at some point. The risk of— the risk of not being involved is going to be so heavy that they're going to have to. There is going to come a risk factor where not being involved is going to cost them more than just going in, even if they don't have complete, you know, the complete guidelines. By the way, this is a global thing. This is not a U.S. thing. This is a global thing, and people moving anyway. Cream XRP. Yeah, thank you Antoine for the Super Chat, man. I'm telling you guys, there will not be another time like this. And when it's over, I'm gonna feel really bad for a lot of people, okay? I am going to do— be— and George, when you say, uh, do I do it public— privately or publicly, I don't know what you're asking right here. Um, you have to sacrifice. At some point you got to sacrifice if you're going to see this, if you're going to see generational wealth. And you're gonna— you— some people are going to be so devastated. I'll get to some more of the Super Chats. Some people are going to be so devastated because there's going to be so many multi, multi, multi-millionaires and billionaires. And the, the fact that you just sat and watched in your face— you watched them play in your face. You watch them play in your face. Manipulate the markets. You knew they weren't gonna buy at all-time highs. I knew they weren't gonna buy at all-time highs. That's why I wasn't buying at all-time highs. I'm like, like, we don't have the money to bring the boat back to us, but institutions do. But when you miss out, you're not going to be able to bring the boat back to you. You're going to be chasing a, a rocket ship on the other side of this, and you're barely going to be able to make— do anything. Because with the inflation, it doesn't matter if you got a good paying job or not. Like the inflation is just so high, it's going to be almost impossible. If somebody not buying gold when it pulled back to $4,000 or $3,500 or whatever, do you think they're gonna want to buy it at $8,000, $9,000, $10,000? That is not how this works at all. They're not going to be able to do it. And I'm— you can let them play in your face all you want to, but people are going to be weeping. It will be a day of sorrow. I'm telling you now, it will be— sorrow will fill the, fill the country, the countries. It— sorrow will fill the hearts of many. Because to be, to be there and watch something take place where there is an opportunity— and I don't care if you got to wait 5 years for it. This ain't— I'm not telling y'all this is going to happen tomorrow. I'm just saying, when you were sitting in the midst of a situation where you could buy something for a dollar, you could buy HBAR for 7 cents. You could buy XLM for 17 cents. You could buy some of this stuff for a penny. XDC for 3 cents. Like, at some point when you— the people who realize and just was too scared and stuff and like, I don't know, I'm not, I'm not sure, I'm not— they gonna look up because I'm telling you, even when there was no utility or anything Um, there were, you know, like, okay, for example, like, the way crypto can move can surprise many. Like, crypto can move in ways where you got 100% in a day, where you got thousands of percent by the end of the week. Like, Winky Cat, the other day I got in, I saw a good spot to get in, and it, it went up 48% in like one day. Okay, and I'm not trying to tell you to chase a meme coin, okay? I'm not, I'm not telling you to do that. All right, um, this was just a money-making thing, okay? Not that I'm not— not that I don't think WikiCat could be good in the future, but don't, don't follow what I'm telling you, okay? Um, because I'm not into meme coins like that. I'm into utility coins. Y'all know that. XRP, XDC, uh, HBAR, XLM, Quant, okay? So, but I'm, I'm telling you, when, when this thing hits the fan when, when the tokenization process, everything going on chain, on chain, on chain, on chain, liquidity, millions and billions and eventually trillions and quadrillions, the derivatives market that we have not gotten into yet. This is going to blow your mind in the days ahead. You can— you have to give yourself a time horizon for this, okay? Things don't just happen overnight all the time. You gotta give yourself some time, but I'm telling you, it is the most patient, uh, built reward that you will ever have in your life. I promise you that. And people are going to mourn, they are going to weep, they are going to have sorrow because they missed the opportunity. They're going to be looking at the price at some point in the future and they're going to say, oh my God, they're going to be doing the math in their head, like how much they missed, just like people did with Bitcoin. It's all the same thing. Uh, D-E-L-E-D, uh, thank you so much. I appreciate this. I have XRP Unfold Storage. Do you think Bitwise XRP ETF is as good in a Roth IRA as the actual coin? Um, you can have the actual coin in a Roth IRA. So yes, you can have bit— you can have an ETF in the Roth IRA, but I definitely believe you have better options with the actual coin. All right, with the actual coin, you're holding the actual asset, the infrastructure of the next monetary system in your, you know, in your possession. And you have more options, you know, of what you can do with it, like getting yield. You're not going to be able to get yield off the ETF. Um, so, you know, the collateralization— yeah, you can collateralize it, uh, uh, ETF. Um, but it's a, it's a different, it's a different method. You just have more options if you hold the actual coin. So I'm not against the ETFs, um, in your brokerage account or anything, but you, you know, iTrust Capital, uh, lets you hold the actual— ask the real actual coin inside of a Roth IRA. So it is much better, in my opinion, that you have the actual coin inside of a Roth IRA. So for me, um, I hold XRP, XDC, Quant, HBAR, XLM. I hold that inside of iTrust Capital's, uh, Roth account. And every— whatever it appreciates to in that account, you do not have to pay taxes on it. And that's why I position it there. And that's, to me, much better than, um, the ETF. The ETF is fine. Don't— I mean, don't get me wrong, you're going to have exposure to the actual price. And for some people who just, I don't know, don't want to deal with— I don't know, the actual— I don't I, I'm not a fan of it, okay? Let me just say that. I do have some, but I only have some in like this sense of like, um, like celebration. It was like a celebration. I have Canary Capitals, okay, XRP-C, um, ETF, okay? So I only have that. And let me see where the price of that is. I'm just curious. I don't even pay attention, um, but I don't— I just rather have the coin, um and because of the opportunity that you have. Oh, they're not even letting me log in. Let me see, let me see what the price is of XRP. Um, see, okay, it's at $11. It's at $11. It's pretty affordable. The high has been $26.89. $11, okay. So if you do want to, I'm not against necessarily, but I, I think if somebody had a choice— and I put the link in the description if you do want to actually hold the actual coin in a Roth account— I mean, that is so much better to me, um, because you're going to have a better growth factor, trust me, than, than— now the ETFs, they do hold in those ETFs, in that wrapper, they do hold actual XRP coin. So again, the price exposure, you'll have, uh, the price exposure, but that's about it. I mean, your, your limitations are, are there. Um, I do hold, like I say, a portion of my XRP and all of my digital currency in a Roth IRA. Why? Because I won't have to pay taxes. And you— some of you are already going to sell, you already have other strategies, um, that you're going to have to pay taxes on. And so one of the things that, I mean, you should add to your strategy is putting on there, adding to that structure, a Roth IRA, because you do not have to pay taxes, um, at the point of selling in a Roth IRA. That account can be used for so many different things. Imagine if you just let the money— I mean, imagine if you just invested your money in digital assets and let it sit, man. By the time you retire, like, especially if you have— you have to have time horizon. So honestly, it makes you become a long-term, a slightly long-term investor. It, it makes you become that. And let me tell you something, long-term investors win. Short-term investors don't always win. Long-term investors win. You have to force yourself at some point to have an account where you're in it for a period of time where you don't like self-sabotage. And you, because in a Roth account, it's not like you can just, you know, like see your account go crazy and say, oh my God, I'm about to sell. Like you might make that mistake with all your other accounts, but have one account where you will not make that mistake. Because you haven't yet been on the other side of this, so you don't know what you're gonna feel. You don't know how much dopamine is going to rush through your body when you see your numbers look different for the first time in ever. For some people, you're not going to know that feeling. You're not— you're not even probably prepared for that feeling. That's the feeling that's gonna make a lot of people wind up selling. Trust me, trust me. And then you're gonna— and then people, like I keep saying, they're gonna be looking like Boo Boo the Foo Foo. Because then they're gonna, um, they're gonna sell everything, they're not gonna account for taxes and everything, and then all of a sudden, like, they're gonna spend, and you know, and then here come your, your family tax. Y'all know I talk about the family tax, like your uncles, aunties, cousins, and all of them people, they coming for you, they coming for your money because they— and then, my goodness, you might not want to tell nobody because people got a sense of entitlement. They count them, they, they count your money. And something in the back of them says— and then they start coming to you with these sob stories, right? Like this passive-aggressive, like, yeah, I just, you know, if they know you, like, you, you came up on some money and you got millions of dollars, it's like, yeah, I just, you know, my— I had this bill and I can't— I'm not gonna be able— I don't know what I'm gonna do, I don't know what I'm gonna do. Then you're gonna have to hear all them sob stories from people. I could tell you what you should have done. You should have invested. Is what you should have done. But you can't tell nobody nothing. You gotta let pain be a teacher to some people. You can't tell nobody nothing. No, they don't want to live off of other people's experiences. They don't want to follow what big money is doing and realize that they got more to lose than you and your little fat dollars. No, you want to look good? Go ahead and look good to the audience. You're gonna get the accolades. Hey, look at them new shoes you got on! Look at that bling bling! You're broke at the end of the day because you have nothing. You haven't invested in anything. And I'm being hard about this because I really need people to wake up. Would you rather look rich or would you rather be rich? Well, guess what? We are going to be rich. We're invested while everybody else is trying to look rich, okay? And they gonna find out real quick how, how that— the Keeping Up with the Joneses, that whole structure That don't work. That don't work because you trying to keep up with the Jones, and the Jones ain't gonna be able to keep up with their own selves, okay? Trust me, when this inflation hits you, the Jones gonna be struggling, okay? So we gotta do the right thing. I'm being funny, I know, I know, but it's the truth. Rough Knit, thank you, I appreciate you so much. I'll put the link for from Swift in the chat for you to see it saying coexisting. Oh, got it. Okay, I appreciate that. I will get that link from you. I appreciate that. You are a blessing. All of you guys are a blessing. Y'all know I'm gonna be funny, I'm gonna be serious, I'm gonna be, you know what I mean, like I'm gonna be sarcastic. Anything that it takes for you guys to wake up, wake up, because these— let me tell you, and you're gonna get mad that the rich getting rich. I'm telling you, you better do what they're doing. That's how I know they're gonna print money next 5 to 10 years. The purchase of power is gonna be nothing. That's why I know they're gonna probably at some point get the rates down to zero, because they want their assets to go up. Don't you— you don't think they're gonna want their billions and trillions of dollars invested to go up? Oh yes, they are. Oh yes, they are. They have an incentive. They will be incentivized. And for people who think, oh, uh, Ripple, uh, they just manipulating— do you not think that they want XRP to go high? Who incentivize that? Who is most incentivized if XRP goes up? Ripple. They are playing the long game. And I'm not saying I agree with every single thing that, you know what I mean? Like, yeah, we got our opinions on some stuff, but they are playing the long game. They not going in and say, oh, buy XRP, get switch to the rails. No, they're just acquiring businesses one at a time, relationships one at a time, NDAs one at a time. And then when it's time boom, that switch get turned on. Many of them get turned on, you get what I'm saying? And they're going to be incentivized because they hold the most of it. They hold more than you, they hold more than me. So you don't think they want the price to go up? Oh yes, they moving with strategy, trust me. And they got a good business model. They got a good business model. You gotta understand who is backing the investments that you're getting into, okay? Hey, beautiful Kamilah Stevenson, thank you so much. Percy Congrats on the test last Saturday. I appreciate that. Just wanted to drop a motto to the chat: don't ask how high it can go in one year, ask how high, um, can it go in your lifetime. And I love the rephrasing of that. You got to rephrase it. How high can it go in your lifetime? Because let me tell y'all something, as it goes high— thank you so much for even bringing this to, uh, to the surface— as it goes high, you got to understand now you have something First of all, you have built something. Most people don't build anything. You've built something, right? And if you build something, then what? You can borrow from something, okay, and not trigger a capital gain. If you build it, you can borrow from it at a loan-to-value ratio. So the more— so how, how much can it— that's a good question. How much can it go up my lifetime? Because as much as it can go up in my lifetime, I can borrow against it and then reroute that investment into something that gives me passive income. And I don't have to eat it. I don't have to eat this nest egg down to nothing, which most people are going to do, by the way. It don't matter. I could talk to them blue in the face. Most people are going to sell, all right? By the time we get to $100, there'll be a very few who own it. And I'm telling you, it is what it is, all right? XRP Army is the best. Yeah, listen, and not only do we— will we hold it, we will get educated on it. We will get educated in the macro environment and how money moves, the liquidity. Like, I'm gonna bring you guys some information. Like I said, all the way back, all the way back, 80 years ago. This has been in the making. I know, I know, I had to say it. I— it is— listen, I'm not making this up. It's gonna be a day of sorrow. Do you— this— nothing is new under the sun. Go back and read in the scripture when famine happened. Was it not days and years of sorrow for many people? Okay, it is a sorrow time when people are in famine, right? Unless you on the good— on the right side of this, like Joseph. Joseph was on the right side. He's able to provide, he's able to, you know, um, uh, uh, lend. And then, well, I don't want to say lend, I mean give and be generous in an ecosystem. And then, and, and many people will turn to you because you have the— you have solutions, right? Because You got something that they need. Hey, maybe even governments might turn, who knows, okay? We become the head and not the tail. And listen, let me tell you something too. Let me tell you something. I want to make sure I didn't miss any Super Chats I might have, um, but don't worry, I'll catch them. I'm looking through it. Um, this, this the best way I can explain this, um, and I can't fully go into it because it's more revelatory than anything, all right? You guys know I'm spiritually minded. So the church is out of order right now in the sense that too many people think that the government is responsible for the orphan and the widow and the poor. That's not even scriptural, to be honest. So I don't even know why people mad at the government as if they have the best blueprint for this. They don't. It's not a— it's not scripture. Like, yes, we're, we're supposed to pay taxes and stuff and and I'm sure the organization is supposed to figure out where that goes. That's another conversation. But when we talking about the poor, the widow, the orphan, people who are in need, that really is the church's responsibility to take care of the orphan and the widow. So if God's people can become prosperous— and I know they like— anytime I talk about God and stuff like that, I know sometimes they hide my videos and stuff like that. I get it. Okay, but it is what it is, because if, if there was a— if there was some level of wealth, um, that come into the hands of God's people, then they can actually want— get back in order. And the order of it is, is that we are to take care of the orphan and the widow. We are to be the solution to things that are happening in our society. We are here to advance the kingdom of God as ambassadors of heaven. And we can't do that because we're broke, okay? Most of the church is broke, right? And, and all they care about is like stuff that makes them look good and stuff like that, because people really do have insecurity and they have identity issues. I'm telling you, like, at the core of why people want to show off and show what they got and buy all of this stuff, if you go really deep and you do some deep inner work, a lot of that stuff has to do with self-esteem. Esteem and insecurity and, and proving to somebody who made you feel, you know, belittled you and made you feel small in the past. And it's all of this stuff, it's all of this junk. It's not, it's, it's not even real. It's a, it's like a fabricated system that you created in your own brain and mind and stuff to like live up to something that's an illusion. It's an illusion and you wind up in delusion. And we got to get rid of this stuff if we really want to prosper. Why? Because you're only going to prosper as your soul prospers. So if you really want to prosper, you got to get rid of all this junk that causes you to overspend and overconsume. This stuff is spiritual. It's not just physical. It's not like— it's not. And you're blaming the government. Is like most people blaming the government and all the White House, this and all about— oh, give me a break. Let's grow up. I'm sorry, right? Because most people have just mismanaged their money. I get there's some, um, circumstances that happen, and I'm not overlooking it. I promise I'm not. I've been through— I've been through the mud too, okay? But most of it comes from mismanagement. It's just that simple. Get you a mirror, look at it. What did I do with my money? What? No, no, not what the White House— what did I do with my money? Kamilah Stevenson, what did I do with my money? You gotta look in the mirror. It's time out for all of this, this, this ridiculous, like, childlike behavior. Like, we gotta grow up. We gotta have some emotional intelligence and realize that we have just done really bad with our money, and we've taught our kids to do really bad with our— with their money by what we've done with our money. Why? Because things are not just, just, uh, taught, they're caught, okay? It's not even about what you maybe even had, what conversations you did or didn't have with your kids. They catch the culture, they catch the environment that you live in. And you— and then, yeah, you are, you are planting seeds. And, oh, money don't grow on trees. Oh no, it's not us, we ain't gonna be able to, I can't afford it. Yeah, you can afford it. You got to figure out how you're going to afford it. That's what you're going to do. If you feel like you can't afford assets, your brain needs to start thinking about how you can afford it. And that's the conversation you have with your kids, because the words that you speak, they are life and they are spirit. And we need to be a better example to this generation. Dwayne, thank you so much. Um, I appreciate this. You guys are so generous, and I'm about to get on with my members, but I am going to get through these Super Chats. I'm not selling, I'm looking for the yields. I love it. That's another thing is the yields, the yield opportunity that you are going to have to be able to, um, utilize. And you know what I found out? I think there was an article about Ferrari. I'll look it up. And, um, allegedly I, I, I was like skimming past it. Um, I said slim and skimming past it, but I think even Ferrari, they're starting to take XRP, I think, um, as payment or whatever. So when you, when you have these sophisticated companies— now I ain't with them for that last car that they came out with, but when you have these sophisticated companies, um, was it Ferrari? I think it was Ferrari, um, that start— they're looking for something with some real, um, that they feel like is real money, basically. Anyway, I'm trying to get in a position where $20, $30 is a great spot I love it. Thanks to Dr. K, I have a good position of XRP in my Roth IRA. Listen, he is such an example. Dwayne has done it right. If you don't have your IRA, um, together, the link is in the description. They do give you a $100 funding bonus when you fund your account, okay? So get positioned, you know, protect yourself, like build your structure. Let's, let's make some adult decisions, right? And then, um, also he is one of, uh, I sat down with him, I did a one-on-one. I have a link to that in the description as well for my clarity calls. We look at your portfolio. We look at your plan, your structure, your tax, um, structure, you know, how— what allocation you have, where— everybody is different. It doesn't— it's not generic advice. It has to apply to you. And, uh, we give you a real built-out plan that, that you can operate with and some practical guidance, um, that can just like give— listen, I, I keep saying a lack of clarity is very, very expensive for people. If you don't have clarity for your own life, don't expect nobody to be able to figure anything out. You need clarity. You need to sit down Look at your numbers, look at your assets, look at where you're headed, look at your cash flow, look at your positioning, look at your taxes, and figure out how do I get myself more prepared. And if you're in a mess, trust me, there ain't no mess that you can't get out of. There is not a mess that you can't get out of. I'm telling you that, right? In, in martial arts, there's not a position you can't get out of. We learn how to get out of positions where you head down to the floor and you got a gun to your head right behind you. And we learned how to get out of that position as well. There is not a position you cannot get out of in your life. Be encouraged. I know it may be hard because it's not— there's the proof is not there, but I'm telling you the truth. You got to know that here before you do— you can do anything about it. If you understand and you believe, because we got to break those limiting beliefs, there's not a position that I can't get out of. I can get on the other side of this. Now let's figure out how. All of a sudden, your energy just starts to change. We're not playing victim anymore. We're not playing the, the, you know what I'm saying? Like, no, we gonna figure it out. We, we about to be in the creator seat. That's what we're gonna do. Thank you so much, Kimberly. I appreciate this. I, I, you know what, I, I emailed you, um, so I hope you got that email. I didn't get a chance to see if you emailed me back, but I just want you to know, but I appreciate you so much. Um, Kimberly is moving and shaking as well. Strong woman, strong woman. I appreciate you. Um, I want to make sure that, uh, thank you. I, I saw a comment. Oh my goodness, thank you so much. You're the bomb, Coach. Such an inspiration. ITYSM, because I'm learning. Uh, oh, thank you so much, because I'm learning. Yeah, I got to get my like shorthand, uh, right and on point. I thank you so, um, thank you so much because I'm learning so much from you. I love to see that. Lady Care a lot, I appreciate you as well. And listen guys, I am— I want to make sure I didn't miss any Super Chats. I did. Uh, Rick, Rick, thank you so much. I appreciate this. Provided I get protection, protective structure, and wise investment plans after price appreciation, does $15K HBAR and $15K XRP provide me a very comfortable retirement after 2030? I believe it does. I believe it does. You're in the top, what, 1%, 2%, or something like that of XRP holders. As long as you— but remember, it is about the game plan more than it is about what you hold and how much you hold it. It's about the game plan. So if you got a good clean strategy, you— nothing I say is financial advice, but if that were me and I had what you had, I would be— I would think I'm perfectly set. Um, not that I wouldn't continue to accumulate, continue to invest, continue to accumulate, um, because you have more options when you accumulate. You can even, if you wanted to sell a little bit, you have more options to even sell. Like if somebody buying at 80 cents and they're like, okay, I'm gonna put a certain amount in at 80 cents, and then even if it went to $6, or even if it went to all-time highs, that's a great return. Right? You made a profit off of it, so you have more options. But, um, you are doing amazing. I love to see this. A lot of people don't have what you have. Keep up the good work. Oh my God, I'm so encouraged by y'all. First of all, I appreciate all of you. I'm so encouraged by you guys that you are doing the work. Rough, you are just— you are just overshadowing me with, with so much generosity. Thank you. The Bible actually says that the church shouldn't have to take care The Bible actually says that the church shouldn't have to take care of the widow, but the close— the close family should. I lost my hand. Oh yeah, I lost my husband, um, this last December, and I hate to see that. So first of all, my condolences. Thank you so much for this Super Chat. Uh, my condolences for that. But yes, the close family, um, and, and if you're saying like as far as like, um, close family members and stuff Uh, yeah, I mean, you want— all of us want to be positioned so that we should take care of— and when I say church, I mean God's people. We are the church. That's what I mean by that. Like, not like organizationally. I hope that, um, so you guys understand that it's not an organizational thing. It's God's people. That if you are— if you are, um, if you are a child of God in the kingdom, you, you are required to take care of the the, the orphan and the widow. So when I say church, I don't mean it as a structural, like, oh, this church, this organization, this LLC. You get what I'm saying? But we are God's people. And, uh, and yeah, why we do what we do is for our family. A good father leaves an inheritance for his children's children. I love the encouragement of this, uh, Rough, uh, Knit. And again, my condolences, um, for losing your husband. I know that that was a very hard, um, transition that you had to go through. And, um, I'm, I'm sure your husband would be proud of what you're doing right now.. And, um, just like, you're killing it. All of you guys are killing it and in your investments. Um, and I just appreciate you guys sharing and just caring along the way because it does take a community. It— and I, I hope to see a lot of y'all face to face at some point. I really do. I, I'm already smiling about it. I'm excited in my heart before I even see you guys face to face. But I, I can't wait. Um, yes, it is in my bio if you're talking about like the Roth IRA or the 101 Clarity Call. All the links are in the bio for you guys. And, um, and yeah, we, we should be able to care for people. We should be able to care for our family. Um, and I'm not talking about like, um, on the caveat side, you know, we got a lot of family. Like, I get some people who got some crazy family that's like crazy, okay, and entitled. Um, and I'm not, I'm not necessarily saying that you owe— you know, the Bible says, oh, no man nothing but love. But really, the reason why we do what we do is for more than ourselves. It is far. I know, I don't know about y'all, but for me, I look at them babies and I look in their eyes and I want to do as much as I can, even to the point where I'm sacrificing all the time. And sometimes maybe your kids don't even understand how much you sacrificing to do what you're doing for them. They don't always get it. At some point they will. But, you know, uh, and yes, we are the church, um, and so I don't mean it organizationally, but I mean it like we are supposed to be taking care of the orphan and the widow, um, and, you know, if somebody who your friend come to you in need you don't want to close up your bowels of compassion to be able to help them. So it's got to be for more than us. All right, um, yeah, our con— uh, I love that you guys are also sharing your condolences, uh, because it's never easy to go through the loss of a loved one. Never easy. And, um, and man, you're here, you're strong, you're, you're— I mean, it's, it's amazing. It's amazing. All right, I appreciate each and every one of you. I think I got through all the Super Chats. I wanted to make sure I respect that. If I ever don't get through a Super Chat, it's not because I, I, it's not because I didn't want to. Trust me, I, I'm, I'm always scrolling and stuff while I'm talking to you guys. And like right now, like, I'm scrolling and just making sure I didn't miss anything. I'm about to jump on with my members, um, and, um, I am, and I'm, we're going to talk about what we should be investing in and help you to get to understand a little more knowledge about ISO 222. I got to look at that link that was sent, um, because there's always something to learn, always something to grow. And I love that you guys bring your part to the table, what you've been researching, what you've been, you know, digging into. And listen, as a community, we're gonna grow together, and, um, and we gonna— we're gonna push each other through. We're gonna support one another as best as we can, and we're gonna get wealthy together as well. And we're gonna celebrate together. We are going to celebrate together. All right, just remember that. Stay in the game, y'all. Don't get shaken out, because I promise you that it is going to pay off, not only for yourself but for your family and for your lineage, your generation to come behind you. You are indeed breaking a generational curse. And as always, I'm going on with my members in a few minutes. I want you to stay wise, stay wealthy, and I'll see you guys in the next video. Peace out.
