XRP Just Crashed With Everything — But Nothing Changed
Kamilah Stevenson breaks down XRP's market dip and her tiered buying strategy. Institutional investors are quietly accumulating XRP off-exchange, which could keep prices muted despite underlying demand. She covers macro risks like the Clarity Act and reverse-carry trades, plus practical tools like crypto Roth IRAs and the importance of staying emotionally balanced.
Chapters
Hey, it's Kamilah Stevenson. Around here we talk wealth, and we're gonna get right into it because the market is experiencing a huge dip right now. And I want to know, go ahead and put in the chat so I can see where you are. Put a 1 in the chat if you did buy, and put a 2 if you are all out, like you have no more money left, you, you, you've done what you can do. Because I know some people are there right now and they cannot buy because they just don't have the liquid to buy, and I, I totally, I totally get it.. But I want to see who's been buying the dip, um, and put a 3 in the chat if you say I'm out, like I'm, I'm not, I'm not buying, uh, I'm selling, I'm out. I want to see where the family is at. Now I will let you know what I've done, uh, I got some things I want to talk about, uh, I may not get through everything today, but if I don't, I'll be back on Monday. And for my members who know, we gonna get it in on Monday after the live session and talk about some, um juicy stuff. So if you are not a part of my membership on YouTube, you can hit the join button. It's only $3.99. I urge you to go back and watch all the videos. They are recorded and they are very valuable. I see a lot of you all are buying the dip, stacking and holding. I hear you. I'm gonna explain to you what I'm doing, my thoughts on what price points we could see, and I want to talk a little bit about David Schwartz because he shook some people up with his comments. So I want to go over that. And I see y'all buying. I see you guys are buying, and I love to see it. HBAR got, uh, has 5 buyers to 1 seller. Uh, No Way buying. Yes, I see it, I see it. All right, I love that, I love that. Um, as you all know, Fill My Bags, as you all know, I have been, uh, just a little, uh, background, and we'll get into it, um, because I want to go over this statement that, um, David Schwartz um, said. It really shook some people up on Twitter, so I want to go over that because people are afraid. The sentiment is low, uh, the, uh, the fear is strengthening right now. We're at— I'm looking at CoinMarket— we're at a 26. I love to see it. I see y'all in. All right, XRP Power, nothing has changed. Um, would love to buy but don't have the cap. Yeah, see Over a long time, just— yep, some people don't, you know. And also there are some people who are like, I actually have enough, like I'm, I'm good, I don't need to buy anymore if I think it's going to go to the price point that it's going to go to. So some people are there, they're like, I got enough, right? And so the reason why I'm still buying, uh, yeah, yeah, I'm representing USA Today, uh, the reason why I am still, uh, buying more is that, uh I, in the speculative phase of, you know, especially if we get a Clarity Act, even outside of anything particularly happening with XRP, if there's a liquidity crisis, uh, we will see if things go right with the Clarity Act. I'm not sure. We'll see on Monday what's happening. Donald Trump has a meeting with, with, uh, Ripple, I believe. And, um, I, but I, I want to also sell a little bit. I've told you guys I want to take a little cream off the top. I have enough of it to do that, more than enough. So right now I'm buying for the speculative phases of taking some profit and rolling it, not to go buy, uh, shopping or to buy stuff, but to roll it over into other assets, real estate, um, and things like that. You know, that's different to everybody. When— I don't know what people mean when they say I have enough of it. You know, that, that's what they're saying, like, I'm not buying any because I have enough. To where if it reaches certain prices, I'm good. And again, I'm long-term, you know what I'm saying? So the price points I'm buying, obviously I bought at much better price points when it was 20 cents, 30 cents. And I'll tell you guys where it can get to because we can still go under a dollar depending, right? And so I'm looking at the charts where it is. We've already broken the under 160. We're at 158 right now. Um, if we close underneath that, uh, there's some— I'll share what I think it could drop to. I'm not saying for sure. You guys know I've been waiting on pullbacks and crashes, and I've told you guys even when we started to see XRP go over $2.30. This is why it pays to be patient, right? Even with XLM, if you all been following me, you know I'm still waiting on it to get somewhere near 11 cents, and I hope it goes down even further. I got limit orders at 8 cents, right?. And so I, I did use October 10th, the wicks that came down, and I had limit orders, right? And so I'm doing this in phases, and I have certain limit orders that I have large purchases at, and one of them just got cracked today. So I'm seeing some of my orders go through at the first level. They're at certain levels, and along the way I just kind of manually buy here and there. It is a fire sale. Uh, I see some new members coming in, and, uh, we gonna rock and roll on Monday. Go back and listen to those videos. Say it's never enough. So for me, uh, let me continue to answer that question. What's enough? Um, I have more than enough. I don't need triple digits, uh, for XRP technically. Um, some people do, and that's never— again, that would only— that'll happen only, uh, in a shorter amount of time in a liquidity crisis. That, that's not my real goal. My real goal is I wanted over $3, you know, to get to $5, you know, then to, you know, $5 to $7 to climb up. And so these price points I'm buying it at right now, I mean, if we even get to $5, that's a, that's a great, that's a great, um, ROI. Okay, so, but my original bag, I mean, it's more than enough. Now, if you don't have enough, or if you don't have any crypto or XRP, let's say— and let me just say this before I even go further, nothing I say is financial advice. Everything I say is for educational and entertainment purposes only. I'm not your financial advisor. Do not listen to me. You can lose all your money investing. I'm telling you what I would do. Right? And so if I didn't have any XRP, my main goal would be to try to accumulate 1,000. Now as it's dropping down, that's easier and easier to do. If this thing goes under a dollar, that's real easy to do, to get, um, you know, I mean, 1,000 XRP would be highly likely for, uh, some people who want to, who want to sacrifice their money. Because I'm sure if, if your favorite artist was coming in town, you would spend money to go to their concert, okay? Hundreds of dollars. And you're gonna probably go shopping and buy a new outfit, get your hair done and your eyelashes and your eyebrows and your nails and your toes. And then you're gonna go out to, you know, eat dinner, uh, before, you know. So, you know, it adds up. And then you might use an Uber depending on if you drink or not, you know what I mean? So I'm just saying, people can find money for what they want to find money for. But, uh, with that being said, I'll go ahead and like the video as well. I'm trying to, you know, make sure, because we're going into an asset-based, an asset-backed environment, okay? So, um, I believe we're going into an asset-backed environment, you know, where the dollar will be backed by certain assets, right? And so, um, I think it's a huge, um, benefit to buy fear, buy fear, okay? Um, UN stated that financial crash is coming. Uh, yeah, and I've been, I've been stating that I am expecting a crash to come. Did I say it would 100% come? No, but y'all know I've been preparing for it. I'm like, I'm preparing for a crash. That is why I liquidated a lot of my stocks. I told you guys, at all-time highs, I was selling some of them. I was becoming more liquid. I was trying to get some extra money on, uh, the side. We got, you know, we got some people who do not like the president right now. It's a lot of people who don't like him. Um, Uh, yeah, I would love to see XLM creep below. I'm tempted to start buying, I, you know, at 17 cents, uh, but I haven't yet. I don't know what I'll do. I, I'm thinking about it, um, but my, my large purchases is already set at 11 cents. All right, so what, what happens with me is I already have limit orders set and I'll manually put a little here and little there. Now, just to not intimidate, you know, listen, I, you know, right before the new year happened, when XRP gave us a nice little dip around a hun— a dollar and I don't know, maybe it was 70 $80-something. I can't remember. I did buy a large amount, so there are times that I buy large amounts, but, but I also at the same time will, um, put in $20 here, $30 there, $50 here, $100 there, $10. It doesn't matter to me. Like, I sometimes just do it, you know. I could do it several times throughout the day, um, all throughout the week. Like, when I see it hit certain levels, I just— it's a slow accumulation. So I'm saying those low numbers so you— that you don't have to feel intimidated, right? So I just bought some XDC also. And so I'll buy, you know, I'll, I'll start, you know, XLM at 17 cents. You know, I got my big orders already set, so it's nothing to me to say, oh, I'm gonna put $20 in XLM at 17 cents, or I'm gonna put $50. It is all about consistency, you guys. It's consistency. It's not like you gotta always go all in. It's very simple, right? And I'm loving this XRP dip too, so I'm gonna share some things with you. And, um, when you say what is enough, I think that a great aim for everybody would be to accumulate 1,000 XRP. That's a great place to sit it on the side and forget it. Think 10 years down the line. That's my thought. Okay, I did it. I did a video on how XRP, or any appreciating asset— I just used XRP as an example. Go back and watch my video that I released on Thursday. It's really, really powerful. I give you all the ways that you can make income from an appreciating asset that has entered into structure that is usable and needed. Okay, and I'm not talking about the speculative phase, I'm talking about the real institutional adoption phase. I think that's a great point. If you don't have enough to get to a— and I'm not saying you gotta do 1,000 right now, I'm saying 100 XRP would be the first goal, then 250, just like when you're buying stocks and shares. Then maybe work your way up to $500, then work your way to $750, then $1,000 if you have none. Okay, um, it is definitely harder to do as those amounts go up, and that's why I've been really patient where I was not buying around $3. Like, I feel bad for people who were buying around $3. Like, buy, you know, buy, uh, that was when greed was coming when it hit over $3. Oh, what do you think it could go to? Who do you— do you think I should get in? No, buy it now. Like, you know, nothing I say is financial advice. I would be buying as it drops when people are scared, right? And so it is the buy and hold game, right? And so, um, so here's— and I'll, uh, I keep hearing this question, and hopefully I answered that, uh, what is enough? Which is, um, that is different for everybody. I still buy, okay, even though I have more than enough, more than, more than, more than enough, okay? Because I've been buying it for a long time. Remember, I've been accumulating XRP for quite some time. Right? Uh, 5 years, more than that, I don't know, a long time, years. Okay. And but I still buy because I will sell at lower prices because I'm buying them now. And, and if I enter into a speculative phase, I will sell and roll over some of that money. There's a rolling over coming, by the way. All right. Um, it was about infrastructure. Okay. Uh, XRP was never about hype cycles, it's about infrastructure. Retail investors who understood and said— yeah, absolutely. It's always been about certain circumstances having to happen. It's never been like, oh, uh, it's just gonna pop and move to 100. No, it's not. Like, and if you— you know, I, I walk through this in my reverse carry trade video. Um, if you look that up, you'll, you'll find it and you'll see, like, you have to— there's certain things that have to happen. Okay, somebody said buy the dips. I love it. New member, we're gonna rock and roll on Monday. All right, I'm just looking through some of the comments, but I wanna— and thank you guys, some of the members are coming in. Um, uh, and, and I, I see that question, what is enough, over and over. Um, uh, not yet, but I will. Um, and you know what, I'm gonna have a little bit on that tomorrow. Uh, not tomorrow, Monday. I'm gonna have a little— because not yet fully, but I do have a little bit of information on it. And, um, I'm gonna go over some of the ones that have been heavily asked about on Monday in, in my, uh, members, uh, membership. I'm trying to get Yeah, $1,000, a little at a time. That's, that's what they— you know what I'm saying? I think— and the reason why I say $1,000 is because you're way ahead. You're in the top, like, you know, 5%. Like, most people don't even have $1,000, uh, XRP. And if you get— if you are at $2,500, baby, you are all the way in the top. I don't know, like, you're, you're, you're the bare minimum, okay? If you, if you have anything, uh, you say you bought my top 5, that's awesome. I mean, nothing I say is financial advice, but I just let you know what I'm buying. And so, um I think all of them will do well as we get institutional adoption. Now, the Clarity Act is a whole nother story. We got to see what's happening on Monday. I think we could go into a bear season if we don't get this Clarity Act, but I still believe XRP still has an advantage, right? Uh, dollar cost average is very simple. All right, um, I'll get my thoughts on Canem, uh, Canon Network as well, uh, because, uh, a lot of people are asking about it. It's got great institutional adoption. It's going to do very well as well. Uh, yeah, I, I love Chainlink, SUI, and ALGO. And I'll, I'll talk some more about some of these. Uh, somebody bought some Tailcoin. Uh, skincare, water, hydration. Remember, uh, as a health coach, you know, skin is an organ. Your skin is an organ. Remember that, you know what I'm saying? Like, some people think you patching, you put all this stuff— that's cool, you know what I'm saying? But at the, at the end of the day, you got to have a healthy digestive, digestive system and a healthy gut. Um, and treat— and you got to treat your skin like an organ, you know what I'm saying? So it's all about diet and, you know, inflammation, managing all of that and just staying healthy and eliminating the stress, you know what I mean? Being grateful, you know, uh, healing your nervous system, all that good stuff. All right, I want to talk about— I see some new members in here. Uh, XRP rich list website down. Wow. Uh, I love Velo. I'll talk a little bit more about that. Uh, I buy Velo as well. Um, so I buy fast settlement, um, utility coins. Um, I'm huge on VLO. I'll talk about it greatly because, uh, it's, it's in one of my tops. Uh, it did— it hadn't yet made my top 5, but it's, it's, it's pushing there. It might, it might push something else out the way, but, um, it's— yeah, it's still there. I just had a little diversity with what, what my 5 choices were, right? So everything is on sale. And let me just, uh, because I want to I want to kind of get into it, you know what I'm saying? Like, I won't be able to get through everything because, guys, you guys know, uh, we had a super, uh, we had crashes, we had a rotation out. Gold, silver, you know, all of the assets, they had record runs, and then we saw one of the fastest 2-day pullbacks on record. Okay, so that there was a liquidation process that happened. Also, crypto, you know, uh, is, is, is dipping down really, really hard. And, uh, so I want to kind of— and I want to share my thoughts real quick on David, like I said, because a lot of people were upset about that. Um, now we do know that the cryptocurrency is still connected to Bitcoin, so as Bitcoin continues to dip, any— you know, it's coupled with it. XRP is still coupled with it, so we are going to get those pullbacks. All right, so, and, and what I feel sorry for is that a lot of people are overleveraged, right? So it is some people that's getting in trouble right now. They are overleveraged. And that's why I say is don't do um, the over-leveraging, you know what I'm saying? Do not do the over-leveraging because, um, it's easy for you to lose your position and lose your money. Now I believe that, um, the pullbacks— I, I, we already got to a dollar, we had $1.58, right now it's down 10% in the last, uh, 24 hours. A lot of things are down even more than 10%, 11%, 12%. HBAR is down 10%. TAO is 12%. I mean, everything. Ando, 12, almost 13%. Casper is down 17%. I mean, we are getting a huge sale on these assets. Um, if we close under— under in the 1.6, around $1.6— if we close at this level today, uh, we could easily, um, hit the 140s, uh, down to the 120s, and even I think if we close under today, today, uh, today under right at this level, we could go all the way down to 70 cents, y'all. Um, particularly— I'm not saying that we will, I'm just saying it's possible, right? So, um, I am— the way I have it is I just got a large order that got filled because my large— oh, I'm gonna get to some of the Super Chats, I apologize, I see them. My large orders were at 1, uh, they got filled at some point Uh, at my large order was at $1.63, so I've been buying manually. My next large order would be at— now it doesn't mean I don't buy along the way manually, but I'm just saying I have large orders at these levels, right? So my next large order, let me see, is at, um, $1.27. Okay, uh, I have another large order at $1.01. There's no particular, like, to, you know what I'm saying? It could be a dollar, it could be a— it could have been $1.02. I just pick what I pick. All right, then I have another large order at $0.78, and I have another large order at $0.48. Okay, now I also manually buy as I go down. I dollar cost average, but these are just the levels that I have it at right now, right? Just so that if they dip or wick down, because sometimes they'll wick down and then bounce back up. You know what I mean? So, um, I strategically have limit orders at certain places because I know we could probably hit these levels. And in the meantime, I just kind of manually buy as well because you still don't know for sure if they're going to hit the levels. But I know that you guys know, again, I've been talking about a strong pullback. Okay, um, let me get to some of the Super Chats real quick. Um, no, ZBCN is not in my top 5, but it, it is in— I haven't done a top 10. Okay, I, but I do buy Z, uh, uh, ZBEC Network. I do, uh, and I love it a whole lot. It's just that my top 5 are, and I talk about this in one of my membership, uh, videos, so I can't go into it in great detail right now because it would take too much time to explain. I give my 5 picks and I give why I give them. Okay, so I have a category of the type of assets that I want to accumulate, and my top 5 isn't just about I don't have, I don't believe in other utility coins, because I do, just like I'm buying ZBEC Network and Velo. It's just about these are the 5 that I really want to, uh, be educated on, you know what I mean? Because sometimes we just buying all of these assets and we're not really educated and following it. And if you got like 20 of them, like, you're not going to be educated to know like where the liquidity is flowing and how the instance— you're not— you're just not going to be able to keep up with it in, in the level of intelligence that I want to have, right? So as I'm thinking about the future for the type of assets that I want to get into, I am I'm getting more concentrated and more focused. Okay, so, but it does not mean I have all of these different, like, Ondo, I'm, you know what I mean? Like, I have all of these different, uh, utility coins that I'm, I'm keeping because I'm waiting on the bull run, right? And so, um, that is my answer to that. Thank you so much, I appreciate you so very much for your generosity. Um, thank you so much. Um, you guys are always so kind to me, I appreciate that. Um, man, y'all are so kind. Uh, so we got wrecked also, and I already know so we gonna get wrecked because again, you gotta study the history. When we, when we look at the biggest liquidating event that happened on October 10th of 2025, SUI dropped more than most of them. So we got all the way down to like an 80% drop. So I already know, so we probably gonna drop it like it's hot if we have any more of a, like, you know it's, it's wrecked, you know what I'm saying? I'm not selling. All right, um, I'm— and I'm not either. I'm just loading up, just trying to get to some of the— okay, I have $6,000. Well, don't tell nobody how much you have, but I— oh, thank you so much again for, um, like I said, your generosity. Um, not— oh, you're nervous because— yeah, because it's dropping. And again, that's why we dollar cost average and we just think long term. Okay, so it just depends, like, if this is a swing trade for you um, then I get it. Like, if it was a swing trade and you bought it— even some people who were buying it when it got up to $2.30 and they're like, okay, it's about to run, and then now we're all the way down, almost hit almost a dollar, you know what I'm saying? 70%, uh, 70 cents down. That's kind of scary. But for people who are looking long-term, do you know what kind of volatility anybody who got rich off of Bitcoin— do you know what kind of volatility they had to stomach. They had to stomach 10 years of volatility, right? 10 years, you know what I'm saying? So that is— sometimes you just got— that's why you just got to think long term. Now, if you trying to swing trade, I get it. You better look at the charts and you better get out at a certain point and have a stop loss, right? So, and right now, you know, leveraging is just not the way. Margin is not the way, right? If you're gonna trade, you better do it spot. Spot trading, you know what I'm saying? Um, I don't know right now my dollar cost average because I've been buying for so long. I only know my dollar cost average for current, like maybe the last, you know, maybe— see, I moved all my stuff off the exchanges. Um, and that's another thing I do want to share. I, I moved my, uh, all, all of my XRP off the exchanges because I believe when extreme volatility hits. And if there is a repricing in, um, and I'll continue to answer that question, but I, I do wanna make this point. Um, if there is a, a, an oil spike, uh, you know, because oil has been reacting to rising tensions between US and Iran and, um, and hitting levels that we haven't seen in months on a geopolitical risk. So any real disruption to supply, especially right now, uh, uh, near the strat, uh, the Strait of, um, of Hormuz, right now in that area, like especially over there, that, that could, uh, push prices of oil much higher and then tighten financial conditions broadly, you know what I'm saying, which the markets don't like. And we still got the, uh, the reverse carry trade in Japan unwinding. So if there is a liquidity crisis, I do believe that, um, they're gonna— it'll eventually find its way on the exchanges. And people who think that they're gonna be able to sell at certain price points, I think they're gonna be sadly mistaken. So that's why I have moved some of the crypto that I want to sell over to Caleb and Brown, and I did put the link in the description for that. If you want just more information, reach out to them. It's not for everybody, but it is for some people. I just want certainty, and I don't want slippage, and I don't want my stuff on exchanges when that level of volatility happens. It's not— I think people are going to be disappointed, um, and, and when it's on the exchanges, it's not yours. So if they decide that they want to keep your stuff you know, for the moment. And I don't, I don't think anybody will probably lose it. I'm just saying, I don't know if, if you'll get trapped. You might not be able to get in on October 10th. I couldn't get in my accounts. It took me a long time. I was, I was putting my password in, I'm putting my face in, everything was just locked up. So if something happens like that and there's a supply-demand shock and they come to the exchanges, you're gonna be out of luck. And so you may be trapped, um, for, you know, a little bit of time. So Um, that's why I did that. Uh, but anyway, for the DCA, and right now I don't have anything on there. So only thing that's on there is probably what I've— I keep moving it off, so maybe the last week worth. Um, but I, I wasn't buying when it reached over $3. I don't know if you all remember, I kept saying I'm waiting on it to come down to under $2 when it was at 3, you know what I'm saying, $3, $3.20 or whatever. So all of my DCA has been done under $2. Even whenever it gets over $2, I don't buy. I just don't. I just wait, you know what I'm saying, for it to come back under $2. So, um, the lower I keep going currently, like in the present, um, I'm bringing my dollar cost average down. If it drops down to— so every layer lower, I have more money there. So I'm buying more at the lower levels to push the, the, the balance down. You know what I'm saying, dramatically. Okay, not even equally. I'm not even buying them equally. And when they're at lower prices, I'm putting more money and you're getting more. So even if I use the same price at each level, I'm still going to have more at the lower level. And so it's really helping my DCA because the more it dips is the more I buy, you know what I'm saying. I, I'm— I would, I would go all in at 50 cents, you know what I'm saying. So, um, yeah, that's the way I, uh, dollar cost average. But other than that, I've been buying it like— I bought a lot of it under a dollar, you know what I'm saying. $0.20, $0.30, $0.40, $0.50, $0.60. I think the most I tap— the most in the past was $0.70. Once it started popping up, I was like just looking at the fruit of my labor at that point. I'm not chasing anything, especially when I'm loading up at the bottom, you know what I'm saying? That's when other people— that's when dumb money is gonna start loading up, and then they're gonna push it up, and then that's when I'm ready to cash out of anything that I'm selling, okay? But I— but remember, XRP for me is a long-term hold in general. Okay, um, uh, uh, sorry, uh, I'm, I'm missing some of these, uh, but I'm just trying to make sure, uh, we, we got a couple of new members. I appreciate it. All right, let me, let me share something with you guys real quick because I do want to talk about this, and I'll look some more at the charts. Uh, it's a lot of comments that I can't, uh, get to everything, right? And say I got some people who love Caleb and Brown. Yeah, they are amazing. Um, their customer service, like I said, you can text them, you can call them, you have a personal brokerage, um, and they treat you really, really well, right? Uh, if I have a dollar— Christ, if I can get it under a dollar, have mercy. Yeah, if you get under a dollar, man, I'm loading up. Um, and then somebody said, um, Ripple has scammed all of y'all. Sure you will be able to DCA at 50 cents again? Uh, yeah, I would love for it to get, uh, at 50 cents again, um, because I will be loading up. And, uh, yeah, if, if Ripple scammed us all, um, then, you know, we will lose money, right? But I don't believe that because I've been, um, educated on, uh, the purpose of XRP and what it's meant to do and be, and, and that it's not meant for retail, okay? So it's not meant for retail. And I, and I do— the reason why I did not buy at the top is because I already know that they gonna shake everybody who can be shaken out, right? Because it— first of all, it's not meant for us. They know the psychology of retail behavior, and they know that as we start bringing those prices down and we start, uh, scaring people and stuff, people are going to sell. And the institutions don't want to buy it at $3. They want you buying it at $3. They want you buying it at $4 and $5. They want you buying it on the run, on the run-up. They want to shake as many people out, and they want to deleverage people. So people who are overleveraged, they want to get rid of all of that. And, um, and I, and hey, everybody got their own conviction. If you don't— if you believe that Ripple is a scam and that they've scammed everybody, don't buy it. That's my wisdom. Don't buy it if you think it's a scam. I don't believe it's a scam. And, uh, but I appreciate every, uh, comment, you know, to— on how you feel about XRP. Uh, for iTrust Capital, buy XRP in a Roth IRA, how long must I wait before taking money out? 5 years or sooner with tap tax. So your Roth IRA is retirement money. So you're not thinking about a swing trade or anything like that. You're thinking about, uh, when you reach the age where you can— what is it like, you got to have in a Roth IRA, you, you got to have it at least 3 years or either be like 59 and a half years old or something like that. So it's more the idea is retirement money. And I do want to address this. I'm happy you asked this because, uh, when I talk about putting your money in a Roth IRA, some people think of that as like, this is my retirement money. I do not think that way. I'm not waiting until I'm 59 years old to have money, y'all. So for me, it's different accounts are for different reasons, okay? Like, why do you have this account? Well, first of all, because I don't have to pay taxes, and I know that I have a storehouse of money for when I reach that age that I can liquidate and not have to pay taxes. Now, what I do with the money is maybe very different from what some people think, and it depends on how old you are. I plan on using that money for charity, giving, uh, investing in my children's businesses. I have other plans for that. That is not money for me to live off of. As I mean, because I don't— I plan on doing my finances right well before retirement, okay? But to know that you have money put away that you will not have to pay taxes on and you can give yourself that amount of time in an asset to appreciate. And it's not like you can't sell at some point. Like, some people put precious metals, and maybe they took profit on some of the gold. You can, you can sell in your Roth IRA and liquidate it and keep that cash for another opportunity that comes in that, in that Roth IRA, right? So, and actually, some people trade in their Roth IRA, okay? Um, but I say that to say It's not like, oh, I should, you know, when I get 59, and you know, that's when I'll have all of this. I mean, hopefully you're finding out other ways to, you know, accumulate your investments. Hopefully you can build something that you can borrow against at some point, you know what I'm saying? Now, for some people, again, it depends on your age, but I'm talking about for me, okay? I don't plan on waiting until I'm almost 60 years old to have money, right? I'm making moves. That's why I'm investing the way I'm investing now. Right? I'm— I have time, you know what I'm saying? Like, so yeah, it depends on where you are. Like, you might be 55 and like, oh no, yeah, that is for my— and I, and I would too if I was, um, at that age, you know, 3 years out, 5 years out. Oh yeah, then that's gonna be— then you need to be on top of it, on top of it, right? And if you're a certain— over a certain age, you can invest more in your Roth IRA. So everybody is different. I don't— I plan on that— that money is gonna do some good, some good to life. I, I really Believe that. I also have a charity account, okay? I have a charity account as well with Fidelity that also appreciates and makes interest for my children. And you— I can't use it for any other money or anything else, or my kids can't, but charity. It cannot— they can't liquidate it, they can't get the money, they can't give it to themselves or nothing like that. Um, so it's all about giving and stuff. So I, I like different, uh, accounts for different reasons, right? Uh, but it is smart to get into an account where you don't have to pay taxes. The bigger the dip, the more I buy. I love it. XRP will be the reserve currency. Um, the fiat is overleveraged and has this, uh, has to be replaced. Buy and hold is my strategy, and I feel the same way. I feel at some point it could wind up being pegged to the dot. There's, there's a— I don't even want to get into what I really believe, but again, the powers that be have already set things in motion. And, um, let's just wait and find out. Let's just wait and find out. But again, I'm long-term. I've never given you a time limit. It's, it could 5 years, 10 years, you know what I'm saying? Trust me, um, when you're long-term, you'll find out real quick that you were, you were in the right place. And why everybody getting shaken out? They trying to capitulate everybody at this point, you know what I'm saying? So yeah, they're going to move it down as much, they're going to manipulate it. It's still a couple with Bitcoin. Yeah, they shaking everybody out who can be shaken, right? Um, what do I think about XLM? I love it. I believe it's a very great investment. Along with XRP. I think it's very similar to XRP. Now the difference is XLM is for retail, XRP is not. XRP was for institutions, and that's why I know it's going to be priced high, because institutions cannot use it at low prices, okay? It was never meant for us. You and I are not even supposed to have it. They don't even care that we have it though, because they're like, it's so, it's so few of you all who have. They don't care about us having it. Like, it ain't that big of a deal because it's not enough of us. You know what I'm saying? By the time retail want it, it's going to be— the opportunity is going to be done. The positioning is happening. Okay. But XLM, yes, I do believe that is for retail and I think it's going to do just fine. And so I'm loading up on XLM as well. And I really would like to see XLM come down to 11 cents, 10 cents. I wish I could. I just want it as low as I could get it. Yeah. Wall Street games all the time. Um, uh, yeah, Stock Up University, uh, yeah, because, uh, he goes over the market, he goes over crypto, and he goes over, um, the stocks, uh, stock market. So you— he has information on both. He's always updating information in there, and he has experts helping you with technical analysis. So it's just going to make you think, think about the market differently, because I, I have been talking about crypto a lot, y'all, but I do, I do invest in stocks and businesses, right? I got my eye on a lot of them, right? And I'm making some moves, and I'll share some of those as well, uh, because at some point, uh, if there is a bull run for crypto, you know, or whatever, you're gonna want to be able to invest into good, great companies. AI is the future. Like, you're gonna want to load up on— why wouldn't you take— think about this, y'all got to understand the game that's being played, right? Like, when you take profit in one area, or when one thing appreciates and you can get a little money or even borrow against it It's all for the sake of rolling it over into something else. If somebody were to make— like, people can make huge gains in crypto, even swing trading crypto, right? Let's say you make a huge gain, whether it's 400%, 500%, 1,000%. People do it all the time with crypto, right? Well, what happens if you now take that money and you put it in something— now the money that you appreciated— and then you put it in something safer like an ETF, something that can gain you like 10, 20% every single year? Like It's all about the rotation and the game plan. So there's a place for all of this stuff. You don't want to be like one-dimensional, um, forever, okay? At— in the beginning, it's okay. Like, you might be focused on like, this is where I could get the greatest game. Look at what happened with metals. Look at what happened. I— how much, uh, was it? Trillions. Trillions of dollars. Just 10 trillion. I don't remember. Trillions of dollars just got liquidated from metals, okay? They took it out of metals. Guess what? That money's going into something. They looking for the next opportunity. Right? And so that's the name of the game. So you don't want to be a one-trick pony all the time, you know what I'm saying? So I do believe in investing in great businesses, um, and there's a lot of opportunities that are going to be available. And so anyway, it helps you to look at the market, technical analysis, all the things you need to learn, and he does a really, really great job at that. And any, um, what it looks like is that a lot of times he'll upload new videos and stuff in there if things are changing and stuff. So yeah, I do think, um, that it is great, uh, to learn about crypto and just the stock market in general and just understand market dynamics. Like, it's, it's really amazing. I, I wouldn't tell you that. Um, let's say, say XLM HBAR, um, XRP is not a scam. They're working with the government and banks, um, have been for years and already like integrated like in Japan's system, SBI. Like, it's institutional adoption, y'all. All right, uh, what I see when I see red. Hit that like button, guys. Hit that like button for me. Now let me, let me show you something real quick, uh, because I do want to get into this real quick. Uh, let me see if I can share my screen so I can tell you guys what David, um, Schwartz, uh, said, uh, real quick. If I can— let me see if I can find it. Where is it? Here it is. All right, um, look, this is what he said. This is— let's see, this is what he said, um, that has shaken people up right here. He says, I don't feel comfortable saying something, uh, he was responding to somebody. He said, well, I— and, and this is the point, he says, while I don't think it's likely— I guess the guy was just basically saying, um, that it would go to high digits or something like that— and he said, while I don't think that it's likely that it'll go there, I didn't think it was likely that XRP could ever hit 25 cents. Here's, here's what the guy says. He says, I started I started selling XRP at 10 cents. So the guy said, uh, David has sold XRP at 10 cents because it seemed insane. He said, I remember when Bitcoin hitting the $100 seemed like an impossible dream as well, right? He said he sold it at 10 cents because he didn't even, um, think it would hit 25 cents, right? And then this is what he says, and so, so many people misunderstand what he's saying. He said, if many rational people believe that there was a 10% chance that XRP would hit $100 within a few years, they definitely wouldn't sell very much, today at much less than $10. He said those with that belief would quietly— will quickly buy up most of XRP because they value it more highly than those without that belief. And soon the supply of XRP, uh, well below $10 would dry up. And so that statement has got people saying that, y'all see that? And so let me explain this, uh, because some people may not even know who David, uh, Schwartz, is, right? So for anyone who don't know him, because I'm gonna break down that statement because a lot of people were very scared, like, oh my God, he said it can't hit, you know, you know, it's a scam, it's not going anywhere. David, he's a— was a CTO of Ripple and one of the original architects of XRP Ledger, okay? So, uh, he's very brilliant. He's a very brilliant guy technically, uh, so brilliant that if you're not careful I think you can miss what he's saying, right? The key thing is that, that people need to understand is that first of all, David is not a macro strategist, okay? He's not a market timing person. The guy just said he sold XRP at 10 cents, okay? And he didn't see Bitcoin going over $100. So he's not the person— he's not sitting around making price projections or calling cycles. His brilliance is in protocol design and systems. So he, he's so good at helping you to understand XRPL, right? Um, he's been very open also about the fact that he's been wrong on price expectations before. I think he said he missed a 1 million percentage— it was like 1,600,000-something or 500-some thousand, whatever percentage, even on Ethereum. Okay, so he's, he's talked about missing massive upsides to a lot of assets, right? So if he talks, um, so when he talks about price, he's not saying this is what will happen. What he's explaining is how markets behave, and he's right. What he's saying is that— and this is where people get real emotional instead of analytical with this— is that markets don't price possibility, they price conviction that has already turned into capital. In other words, price doesn't move because people believe something might happen. Price moves when enough capital is committed that supply can stay where it is. Okay, so that is not bearish, that's just really how markets work. And, and that's true. So what people heard was, oh, XRP can't go any higher. But what he was actually describing was why XRP— why the price doesn't move before beliefs become basically unavoidable in a sense. And honestly, if you've been looking at the market long enough, you, you're gonna see this pattern over and over Like, but the belief is very quiet. Like, what we're doing with XRP, honestly, y'all, is we're betting against sentiment, if you didn't know, right? We're looking at fear, we're betting against sentiment. And if we're right, which sentiment is hardly ever right because they're so emotional, you know what I'm saying? But if early on you got belief, is very quiet, it's very subtle, it's very, um, not many people are like invested because they have to have proof, right? But then in that same phase, positioning is also quiet, okay? And then that's when price is going to look very unimpressive, okay? Then at some point you have these stages where belief is going to turn into necessity, so capital is going to have to move, and then price adjusts. Sometimes that happens very fast. When David says if a lot of rational, well-capitalized actors, um, truly believe XRP was about to explode, you wouldn't see this much supply trading here. He's not dismissing the future, he's describing the present, okay? And that lines up. He's right on his statement, but he's not saying what people think he's saying, okay? Retail sentiment is very shaky, and right now the price is looking very uninspiring to most people. Thank you that I just bought your XRP when you sell, right? At the same time think about this as well. I'm trying to give a balanced view of this. You are seeing infrastructure, you're seeing access, you're seeing positioning. The institutions are buying. Now those two things, what people don't realize is they can exist at the same time. In fact, they usually do. Okay, you, you have these two things have infrastructure. They're not— they're quiet. So like when you're, you know, oh my God, it's going to They're quiet. Institutions are quiet, y'all, right? They're quiet. You're not going to know what's happening, but I can tell you they loading up while you selling yours. So I don't see that comment as, again, bearish. I hear it as an explanation for why this phase is uncomfortable, because belief hasn't finished turning into pressure yet. Okay? Once pressure shows up, it's not going to wait for everybody to agree, by the way. That is the point at which you're late. If you're not positioning for the future, okay, for the future, you're gonna get left behind. This why I don't get emotional about these type of comments. Like, I look where— at where we are in the process. Has anything changed? I keep, I keep coming back to that, right? Did anything change? Okay, and nothing has changed. Okay, I see some of the members coming in, just looking some more. Uh, at some of the comments. I say I'm— some people say I'm backing up the truck. Uh, say I have— I wish I did. I ain't got that long, y'all. I'm creeping up towards the 50 mark, y'all. Uh, but I, I still got some time. My kids keep me nice and young. The Roth IRA has to be exist— okay, for 5 years then. Okay, I believe— I thought it was 3, but it could be 5. Yeah. Uh, plus 59 and a half years old to withdraw without penalties. Yeah. So, uh, no, um, I think you can withdraw, uh, what you put in at a certain point. So you can— if you put a certain amount in, you can withdraw that out without penalties. You just can't withdraw the appreciation. Okay, um, so yeah, I, I think I'm right about that, but if I'm not, y'all can correct me if I'm wrong, right? And so, um, and so, okay, you, you are— been retired for 6 years, so a Roth IRA won't work for you. What are the other options? Uh, the— I was about to say something really dramatic— move to a state where you got low state taxes, you know, uh, relocate. It depends on where you live because your taxes will hit you. Uh, other than that, what you can do is, as there is a price appreciation, you have enough money— again, nothing I say is financial advice— you can think about maybe setting up an irrevocable trust, um, because you won't have to pay taxes on the appreciation when it's already in an irrevocable trust. As the appreciation continues. At whatever point you're at, um, you'll, you'll have to pay taxes at whatever appreciation that you've had from the original time that you bought the asset. But once you move it into an irrevocable trust, if I'm not mistaken, the appreciation from that point you won't have to pay taxes on. And if you plan on leaving some money to your children, uh, just remember, they're the— they're gonna take taxes off of your estate as well. So if somebody wind up with $500 million because they got a lot of assets that went crazy or something in the future, like, like, let's just say they got a strong position or whatever. Let's, let's, let's not say that. Let's say $100 million because y'all, y'all, I don't know how much faith you guys have. I don't know how much belief you guys have with how wealthy you can be. I don't know if you all know that this is the one time in history where people are going to wind up with billions of dollars, like, and they're gonna explain what opportunities they had. And I, I just think it's a once-in-a-lifetime opportunity, um, that could be before us with the AI and getting in on ground level and just waiting, okay, waiting. It will take time, okay, I'm not saying it won't. But anyway, let's just say you wind up with $50 million in the future. Let's say you 20 years out, you wind up with $50 million, you leaving an estate to your kids, right? 40% of that is going to get taken. Like, you're gonna have— that is going to be chopped basically in half to a state, right? There's a certain percentage. I, I don't know exactly what, but I'm just saying it's a large amount. You, you're not gonna— you're not gonna be able to pass that on, right? But if you have it in an irrevocable trust, you can, okay? Um, as it appreciates, if it gets to that $50 million point, let's say you put it in, you only had like a million and it got to $50 million, you will not have to pay taxes on the appreciation of that if it's already in an irrevocable trust. All right, there is a difference, but speak to a lawyer. I'm not a lawyer, I don't know all of the nuances of this or whatever, and, um, I could be missing some points. You can let me know if you got some lawyers in the— or some estate planners in the chat, let me know. But, um, just do know that revocable trust and irrevocable trust, they are very different, okay? Like a revocable trust, almost like a will 2.0 in a sense. Like, I'm just breaking it down in simple terms. But an irrevocable trust is what saves you from taxes. They work very differently. So on a tax strategy level, um, but, but most people don't want to get an irrevocable trust unless they're like have over a million dollars worth of net worth, because it can be expensive. Okay, you're going to pay over $10,000 to set things up. But if you feel like your net worth is going to be over $10 million, you might want to start thinking about that, uh, taxes and estate planning and things like that. All right, um, so that's my piece there. I hope that helps. Um, other than that, y'all, if you take— oh, oh, the, the biggest tax strategy for you also, because this is good for everybody, is that you build, that you get to a place where you can borrow intelligently against your, uh, assets. If you borrow against it, then you won't have to pay taxes. Okay, so you— and again, if you have not seen my video on that I released on Thursday about, uh, I forgot what it was called. I forgot what I named it, but it was basically on XRP and how you can get wealthy from it, basically. Um, and actually, let me look at it right now. It is called How the Wealthy Will Use XRP. Yeah, How the Wealthy Will Use XRP. Uh, most people don't understand. So, okay, uh, go look at that video. Um, so you can borrow against it, right? But y'all, the reason why I'm talking about the estate planning stuff is because if you are a person who is strategizing and borrowing against your asset and you never plan on selling it, well, just understand, and you're using it and getting yield off of it, you know, borrowing from it, investing in, you know, cash flow businesses, like you got this flywheel thing going, then you're gonna be wealthy. But then guess what happens after you die, okay? And you leaving, and you leaving all that you built up guess what happens? A big chunk is going to be given to your— to the government, right? So you have to also— if you plan on being wealthy, you got to plan for that, right? So you gotta— there's a lot you can do with that, but I'm not a lawyer. I'll speak to a lawyer. I do talk to my, um, my, uh, clients about those type of things as well and getting that stuff structured. But again, I'm not a lawyer, but I am educated enough to know that, you know, you need to do some estate planning. And you, you might want to, you know, start putting your stuff in a holding company and get things like structured the way you need to. Um, if you get wealthy, you're going to get sued. Um, so you may need like umbrella policies and things like that. Um, so yeah, it's, uh, is there any institution that is better than the other in regards to setting up a Roth IRA? Um, it just depends on what kind of assets you want in it. So it's, it's more about, you know, like For example, the reason why I use iTrust Capital is because you can put actual crypto inside of their Roth IRA. You can't do that with Fidelity, you can't do that with Charles Schwab, you know what I'm saying? So it's all about the asset, like, hey, what kind of assets can I put in here, right? So you got some Roth IRAs, you can't put precious metals in there, right? So, um, they offer also, um, silver and gold that's backed by, uh, real physical silver and gold, right? So It depends on what you're— what asset you're trying to put in there, right? You, you can't go to certain places, like, if they're not— if, if you can't go to Charles Schwab and do a Roth IRA if you're looking to put physical metals or precious metals inside of a Roth IRA. So it's more about— it's more about that. So I do want you guys to know I do have a Roth IRA with Fidelity. I do have a Roth IRA with Charles Schwab, but I can only put like ETFs in there for that, right? So the reason why I use iTrustCapital, because I can actually put spot, XRP in there, right? So, um, that makes a difference for me because I, I don't want— I mean, ETFs are okay, but I don't want the ETFs. I have— I want the spot XRP. Uh, I do have a little bit of ETFs like with Bitcoin and just a little bit with XRP. Um, and if you do have ETFs, that's a powerful way if you don't want to deal with like cold wallets and stuff like that and you want to borrow against. You can borrow against— you can, you can leverage all of your assets to borrow against. Okay, so, um, that's that. Just looking through some more of the questions. Like I said, I'm not gonna be able to— I'm scrolling through them. I'm, I'm real late to them. Don't sleep on Casper. I have a lot of Casper, so, um, I've been, um, loading up on Casper as well. Is there any more crash tonight? Not sure. We gonna see, uh, all we can do is watch and, and see. But I, I, I think if it— I'm watching to see where it closes, because if it closes under a certain point, we're looking at, we're looking at some possible volat— we looking at some possible volatility, you guys. Um, and we're gonna look at volatility anyway. If something happens with the reverse carry trade, it's gonna be some volatility anywhere anyway. Uh, uh, yes, uh, it is. The link is in the, uh, you know what, I'll put the— I don't know if I'll put the link in the description, uh, for this video, but I will. I'll put it in there for you. And, um, or you can go back to any video, like even the one I did yesterday. It's all in the descriptions, and you can use the code, um, EARN that's there also to get a slight discount as well. Uh, $4 trillion in one day, absolutely insane. I mean, it fell off the cliff. I'm assuming you're talking about precious metals, right? Um, yeah, they playing 4D fatty chess. They, they are. And I don't know if people get their movements, okay? Yeah, do not be one-dimensional. Um, eventually it's okay to zone in, um, if you have opportunity, but at some point, uh, is, is Chainlink at $9.5? Is that, is that where we are with LINK? I have limited orders already set, uh, with Chainlink as well. Yeah, it is, my goodness, down 10% as well. Great buying opportunities. Now some people are wondering, am I catching a falling knife? Again, when you're in a bear season and you are— so I, I told you guys before, crypto in the past, and we're trying to see if we get a bear run— I mean, a bull run, it breaks that 4-year cycle. But they— it usually operates off of a 4-year cycle. So when you're buying these assets, you do want to think long term unless you're swing trading, okay? And with that, you just looking at TA, you looking at, uh, technical analysis. But you do want to look out because if we want— if the Clarity Act don't get signed and we wind up having, uh, you know, some more downside, then you're just gonna have to dollar cost average and wait for the run. Okay, now I, I think we're gonna eventually do good in, um, in, in this, in this year. I'm looking at— sorry, sorry, I'm not sure how much Ethereum will, will run, but if, if Bitcoin runs, it's going to run with it. Okay, um, we got some people who say it'll hit 7,000, 8,000. Um, not sure though, like, because they, they thought we would hit that. We, we had some people saying that we hit 15,000, um, last year. Some experts, but they were all wrong. Um, that's why I don't understand why people get super upset when it's a lot of people who be off with the predictions. I mean, you can't always time the market. You just have to position yourself, dollar cost average, and wait. Have patience. If you just— and buy fear, sell greed. I mean, it's real simple. Uh, it's just that people are really impatient. But I think Ethereum will run as well. Thank you so much. I appreciate this so much, Charlie. Karr, you guys are amazing, and, um, I'm always grateful for everything that you guys invest into this channel. I try to, uh, throw it back into the channel and get more content out. I see some of the members, um, not sure how it will hit, but it will, it will do very well if we get a bull run. I think all of crypto will do very well, is not just if we also get a bull run, but if we get Clarity Act, I think we're gonna I mean, we're gonna see, we're gonna see some good returns if, uh, we get the Clarity Act. And but remember, there is still— it's gonna take time, and we still are in a speculative phase. But I think people can make money off of those speculative phases, right? And remember, like, you guys, I, I think even, you know, there, there may— I don't, I don't suggest in meme coins. I think all of that is going to go to nothing. But you could get some that pop Um, and utility coins are going to run even further than Bitcoin, you know, than Bitcoin. They always— they, they fall harder and they run further. Okay, yeah, David sold Ethereum for solar panels. So I mean, like, that's— I ain't got nothing to say, right? I mean, do your own— do the math, do the math. Uh, but he's a— like, I can't put nothing— I mean, that XRPL, I mean, the, the The brilliance that he had behind all of that is crazy. Now, um, and, and I'm— and I see, I see some of the questions the same because you were trying to get to me. Uh, don't get too emotional, get analytical. That's absolutely correct. I'm a little behind on some of these, so I'm gonna come— I'm gonna come all the way down. Okay, let me see this. All right, thank you so much, I appreciate this. Uh, uh, Michelle— wait, Michael? Michelle? Okay. Uh, seems like domino theory is happening. Is Trump's problem going to change time frame? Um, yeah, the time frame isn't, isn't being predicted anymore. The event is being predicted. So we don't necessarily have a time frame. We're just watching for the geopolitical tensions, and we're watching for these, um, these macro events taking place right before us because that's going to have an impact, right? So when you see the stress that's happening with Iran and You know, if you see the trigger of oil spiking, you know, those are things that you got to follow because the reverse carry trade is still unwinding. You know what I'm saying? We're looking at the rates of them, the 10-year bonds, the 30-year bonds, the 40-year bonds, you know, and of course it's been, you know, slowly unwinding. But it— all you need is one crazy event to happen and it's like, I don't know, that the string is just— it's just gonna fall apart. It's go— and when it falls apart, if it falls apart, it will do so um, fast. I, you know, I believe like it's, you know, once it's there, it is, it's going to be a domino effect. Okay, so yes, all of these different tensions that are happening can definitely, um, cause some issues to the market. Um, and you will see a sell-off, you will see a huge crash, um, more than likely. Right? And so don't worry, you can watch the replay, guys. Um, and then there's— they are still saying that Bitcoin could crash, um, because of, you know, the Epstein files. They're still unveiling that as we speak. And if there's any ties there, uh, you had— what is his name— Dan, who came out some time ago and said, if you knew— and I don't know if this is true or not— but he said, if you knew who actually is the founder of Bitcoin you, you would get— you know, Dan is a real like aggressive guy. I can't remember his last name, he's an older guy, but, um, he said— I wish I— the last name would come to me, but he was, he was— I don't know if he was hinting at it, maybe Epstein, you know, as the founder, but he said he thinks Bitcoin is going to zero. He said, and if you knew who the founder was, you, you would get out because it's going to zero. So anyway, I got, I got orders in at $8,000, um, and I'll have some orders in if it hits $20,000. I'll buy, I'll buy some Bitcoin if it hits, because I'll take my chances, because it could go to a million dollars, right? So I still take my chances on Bitcoin. I know it could be a toss-up. I, I still am under the belief that it will eventually possibly go to a million dollars and maybe even possibly maybe live on the XRPL or, you know, have some connection with that. Not sure, but it's, it's enough for me to still get in. But I can't tell you where this stuff is going to go. Now, if it is connected, I think there'll be a huge crash and, um, maybe a good buying opportunity, right? So yeah, that's my piece on that. But let me, let me explain this though, um, because, you know, institutions, they don't express belief the same way that retail does. I need you guys to know that they're not chasing candles. They don't buy emotionally. They don't need price confirmation before they position. They are positioning. They want you to capitulate, and that's what they want. They want to buy your XRP. They want to buy your assets. With XRP, institutional exposure is going to show up in layers. It's not going to be in one obvious place. You got the ETFs, um, those are the regulated wrappers, right? Then you got, um, they're not— they're not right now— institutions also, let me just help you guys, they're not buying on the exchanges. The reason why the price would go up if the— if there was buys on the exchanges, they don't buy on the exchanges. They're you know, they're buying shares and they're sourcing, you know, and the sourcing happens indirectly through authorized participants for them, right? So you have the OTC desk and the bilateral agreements that they have where size gets absorbed very quickly without moving the market. So they can buy up without moving the market. It has to come to the exchanges for that, right? So if you have, uh, if— and if you have strategic positioning, um, entities holding XRP not to trade it Um, but because of how it can be used, that, that's, that's to me where, where we have to align ourselves. If you're going to position in the same way that they position, right, you, you have— it has to be strategic, right? These positionings, they're not going to show up as buy pressure on the chart, okay? So either you're convicted or you're not. Either you're buying fear or you're not. Either you believe that it'll do something or you won't, you know what I'm saying? But the honest answer is that The honest answer to wondering what institutions are doing right now is they're, they're intentionally quiet, okay? So don't get it mixed up just because you're not seeing the price. They can, they can accumulate, they can position, they can absorb, they can do all of that and the price still not move, okay? Because it's off the exchanges, right? So that's why the price again can look very unimpressive while positioning continues to improve, because they are positioning and they're having you capitulate, and then they're gonna buy it up, you know. And I, I do want you all to notice too, XRP, remember, it was never designed to be validated by retail enthusiasm first. It was designed to be used when institutions are allowed or required to use it. Y'all got to know the difference. Do y'all hear what I'm saying? So price, again, like David said, price is not going to move because belief exists. Price is going to move when belief becomes unavoidable, okay? Meaning it's needed. Right now the access is definitely improving. Infrastructure is improving, participation is improving, but forced participation is just not there yet. Okay? And you just got to wait patiently for that. And when the moment comes where that changes, whether through regulatory clarity, market stress, or necessity, price is going to adjust. And I think it's going to adjust pretty quickly, right? So I don't wait for confirmation, okay, to feel comfortable with this. Confirmation is going to show up after things start moving, not before. Sentiment, that's how they operate. So this is not a phase of like, I'm not reacting like, oh my God, I'm not— you know, volatility don't scare me. What scares me is misunderstanding. That scares me, right? If you're long-term, the most important thing you can do right now is just, uh, think very clearly instead of emotionally. And, uh, and that's where I'm at, you know what I'm saying? So I just, I just want you all to be level-headed, um, I think for me, buy the dip. They want you to capitulate. They want you to sell HEX. Sometimes I wonder if the statement was said on purpose to get— they might want your, your XRP. That's why they coming on there making people scared. They're manipulating the market. Of course they are, you know what I mean? Uh, say Canton didn't crash. As a matter of fact, at all-time high today. Yeah, that's interesting. Definitely interesting. Um, new members, I see you. Sold, uh, okay, good. Had a good game plan, sold at $229, buying back. Yes, that's a great move, that is a great move. Um, yeah, like I said, I'm not gonna get to, um, all of these. 5, 10, 20 a day, a week, month, it don't matter. Grind, brothers. Yep, little here, little there, little here, little there. Be patient. Um, if you are into this, again, nothing I say is financial advice. Um, Thank you so much. I appreciate this so much. You're the number one place to come for real info and insights. Appreciate it. Ah, I thank you so much. I appreciate that. I'm excited that you guys are here. Uh, I, I just want to come on because I saw what was happening. I said I gotta make sure you guys stay level-headed, you know what I'm saying? Like, um, there's a lot happening. I think they want— they— the markets are going to continue to be manipulated. Volatility is still here. Reverse carry trade is still intact. We still got the Clarity Act online. We still got geopolitical tension. You know, we got the USDC and the position for that. There is so much stuff hanging out there. And I get it, sentiment is low, but I know for a fact institutions are positioning right now in this moment. And if you just zoom out, you know what I'm saying? Trust me, there are some amazing things ahead. If you can position yourself during this time, These are some— I've never seen sentiment get so crazy about discounts on assets. Assets, right? Like, you want a discount on liabilities, but you don't want a discount on assets. I do not understand it, right? And so, yeah, um, also, uh, real quick, uh, I've already said it, like, like the video. Uh, let me share something real quick, um, because, uh, I do want— I know a lot of people were asking about the iTrust Capital Um, iTrust Capital, the link is in the description for that. There is a $100 free, uh, funding bonus when you do sign up. Uh, I, I kind of let you know why I love it. Um, I can hold crypto inside a Roth IRA, which means if this plays out the way I know it will over the next several years, those gains are going to be tax-free for me. Um, they're built for long-term thinkers, so I do want to say that, right? They do have instant— uh, so it may be right for you, it may not. It just depends on what you want to do. I like a little diversity. I want crypto in my Roth IRA. I got XDC, I got HBAR, I got XLM, you know what I'm saying? I got some good, um, I got of course XRP. I got some good assets there that I really personally believe in for the future. Okay, so it is for long-term thinkers. It's not if you want to trade or, you know, get the money and profit right now. Again, I do believe, uh, that with Roth IRAs you can at some point pull out of what you put in. You just can't get the appreciation part, or you're penalized for that. Um, it is institutional grade custody. They got great customer support. If you just want to call them and ask questions, go ahead. I may even have them answer some questions for you guys, have them bring them on and stuff, because they got a lot of stuff that they're rolling out. They just started rolling out stablecoins, USDC, uh, which gives people a way to park capital inside of a regulated structure while earning rewards. I just did a video on USDC. Uh, somebody put a comment in my video and said that The banks wanted— like somebody was trying to withdraw $5,000 out their banks and the banks wanted to do an in-person meeting for that, right? That's why the banks push back on USDC because you, you can park your money there and get a yield, you know what I'm saying? And the banks are not giving you anything, right? So again, if you're thinking in multi-year time frames, um, this is the kind of structure that can really support that mindset particularly. So it's not for everybody, it's for the that mindset. All right, and your Roth IRA could be for different reasons. It could be for you to make sure that you have a nice cushion with— without having to pay taxes when you get that age. Or it could be something that you use for other stuff. Like I said, one of the things I will do is I will give, um, from my Roth IRA. I will do a lot of charity, a lot of philanthropy, um, I will be able to invest in my children's businesses, all kind of stuff, right? So again, the link is in the description, and they are offering that $100 bonus if you sign up there. Also for my coaching, um, a lot of people, um, have been asking about that. And so, um, I do, uh, the link is in the description for that. We are looking at your portfolio, helping you to design a blueprint, keeping you abreast of everything that's going. We have a community. I do live sessions. Um, it's amazing. Uh, we continue to move with the environment because there's a lot of opportunity going. And I do have my one-on-one coaching, uh, clarity call also linked below because a lot of people have been asking about my schedule. So that opened up in February as well. Uh, all I see is banana zone. Yes, I love it. Uh, and I'm loving some of these comments. I'm, I'm looking at them right now. Uh, Clarity Act is 8 months away. And even aside from the Clarity Act, remember somebody— oh, say this is depressing. I get it. Um, I'm assuming that you mean like the crash and stuff. It can feel depressing for some people, especially if they're overleveraged. I'm not saying you're overleveraged, but I know it is depressing for some people who are overleveraged or who was looking for that money now. Okay, and so that's why I just say you got to think long term. Don't put your bill money into a— you know what I'm saying— into a risk-on asset. Okay, um, these are for long-term thinkers, you know what I'm saying? And I get it. And if you want to swing trade, again, do that through technical analysis. Um, but I, I get that for some people this is hard. For me, I see it as opportunity, and what you focus on swells. So if you see it as depressing um, that may change your nervous system and you may make different decisions. Y'all know I'm a health coach, so I'm gonna go there. Um, if you are in fight or flight, if you feel depressed, if you feel down about the market, uh, be very careful because that shuts down your creativity, it shuts down your intuition. You start, uh, processing from the amygdala. The amygdala scans for trauma and, and problems. Uh, you will not be able to use the frontal cortex. Um, you know what I'm saying, the executive part of your your brain, okay, the prefrontal cortex. Um, and that part of your brain is, is very logical and, and is able to make very keen decisions, all right? And so if you want to be empowered to figure out your next move financially, you don't want to end up in fight or flight. So if, uh, the market is stressing you out, step away from it. Do not look at the prices. Go do some deep breathing and some meditation. Um, find ways to be grateful. Spend some time with your family. Into your heart, into levels of joy. Do something you enjoy, you know what I mean? You have to come away from that because one thing you do not want to do is shut your nervous system down. The moment you do that, you will not make clear decisions, all right? And so, and you want to be able to make clear decisions. There's a way, my, you know, we're doing— when I, when, when I'm doing, uh, Krav Maga martial arts, you know, one of the things our teacher tells us is that it does not matter what position you ever get in, there is always a way out. Like, it don't matter if you get headlocked, choked from the back, you know, on the ground with two hands around— like, it doesn't matter what position. A gun to your head, it doesn't matter what position you're in. I'm not saying— I'm not saying like it won't go wrong, you know what I'm saying? Some— sometimes things are just gonna go wrong. But I'm saying any position you're in, there is a— whether you get that way out or not, there is always a way out. You won't ever tap that way out. If you're in fight or flight, okay, if you're in anxiety, if you're in depression, if you're in, uh, primal emotions, you know what I'm saying, fear, anxiety, worry, you know, uh, um, you know, devastation, you know what I'm saying, like hopelessness, you will not find the answer there. So you got to pull yourself up into powerful emotions, joy, calm, bliss, you know, peace, you know, gratefulness, like, you know, forgiveness. Like, you have to put yourself in a different mind frame. And I just wanted to stop and say that real quick because I know these markets get to a lot of people, but I guarantee you there's a way out. If you feel like your, your portfolio is going down or whatever, you know, limitations have a way of allowing us to come up with creative ideas, right? So if you have found yourself in a really hard place, there's a way out. There's a way out. Calm yourself down and figure out what that looks like, because I'm telling you, there's nothing like intuition. I trust my intuition more than I trust, you know what I'm saying, like even my intuition with XRP in the future. And sometimes you got to go with your gut, sometimes you got to go with your intuition, you know what I'm saying, especially when you're being educated in it. Intuition strengthens with education. It's just like, you know, like if I'm skating or if I'm doing martial arts, the more I do it, the better my intuition becomes on what the next move is, what move I should make in that moment. It's not something that's planned or that you gotta like you know what I'm saying, like robotically try to figure out or memorize. It's not that, it's just you know what flow to do next, you know how to, you know what I'm saying. I was on some skates the other day and, uh, my daughter was, and I was going through a small, and I knew how to just randomly turn my body, you know what I'm saying, into the right direction. Somebody else would have crashed. But you, you know, your intuition can be strengthened with education. So trust your intuition. If you are in a bad place, there is a way out. I want you to know that. I want to end right there. There is a way out for you. All right, other than that, you know, make wise decisions, calm your nervous system down, and let's, let's get— let's, let's, let's build a future. Let's get, let's get the money, you know what I'm saying? So we can do good in the world and we can add value because that's ultimately where it is at. Um, so all right, I'm looking just at a few more, uh, because I do see a couple of super chats and I wanted to— regular regulations and use case demand will soak up supply and move the price of XRP. Speculation holding it down. I agree. I totally agree. Thank you for your generosity. I appreciate that so much. I totally agree. It's the use case. It's the demand, guys. You guys are looking at price charts. This is not telling you the story. How are y'all going to look at price charts in January of 2026 and dictate where it's going to be 10 years from now? Like, do you really think you can do it? Do you really trust yourself to do that right now with all the institutional adoption? With all the positioning that's taking place, with all the good news around Ripple, like, do you really think like in 2036, 10 years from now, like, this is going to be in the same position? Like, I don't see how, you know, if you're educating yourself on what's going on, I don't see how y'all can see that. Hit that like button for me, right? And I see, yeah, some people are like, this is an amazing opportunity. All right, um, just making sure I don't have any more Super Chats because I do like to honor that and make sure. And if I missed anything, I will I'll be back on Monday, guys, and I will, uh, uh, I will, uh, share my thoughts. Um, like I said, there's a lot still happening over the rest of the weekend. Um, the Clarity Act, the meeting at the White House. Um, uh, it's a sale happening right now. So, you know, if I were you, I'm about to go back to, to the charts and, you know, I might readjust some things and, and, and put a little bit more in some of these lower positions or whatever. And, uh, yeah, I, I am buying, buying, buying. Nothing I say is financial advice, but I do want you to know if you're overleveraged or if you're thinking about this as a negative thing. I would just tell you guys, please, um, understand that there is a way out for you. And as long as you, um, simply dollar cost average, think long term, and buy fear, and don't be moved by all the sentiment, because the sentiment don't always get it right— they're emotional. You don't want to be that. You want to detach from that. Okay, thank you so much. Um, What a Journey— I like that name. I love that name. I appreciate you helping the down south community. I'm here for you guys and I'll continue to be here. And, um, on Monday, uh, there's a, a meeting, uh, with Ripple in the White House. And by the way, I just want to say David Schwartz is not invited in on these meetings, but these important meetings, by the way. I wonder why. I wonder why he not invited in as the decision maker. Makes you say, hmm, right? And so when people are looking at what he's saying about price predictions and stuff like that. Again, this is the same guy who missed out on opportunities with Ethereum, who thought Bitcoin would go to $100, and who sold XRP at $10 and didn't think it would reach $0.25. What he's saying is absolutely correct, and he's being transparent about, hey, I didn't even think that this would happen. And I appreciate him for saying that because what he said is correct. But I think the misinterpretation is wrong. I'll be back on Monday, and I'll be back with my members, and we're going to dive into some good stuff. I'll let you know what I'm talking about. I'm kind of in between. I don't want to plan too early because there's so much happening, and I want to make sure that I'm being relevant on this. Remember, there is a way out. And as always, I want you to stay wise, stay wealthy, and I'll see you guys in the next one. Peace out.
