Immy Dorse 
It’s one of those things you hear about and maybe wish you’d done yourself. You know, putting a little bit of money into something regularly, almost forgetting about it, and then checking in years later to find it’s grown far beyond what you put in. That’s the basic idea behind dollar-cost averaging, and for some XRP investors, it’s turned into a reality that’s hard to ignore.
But let’s be clear—this isn’t about getting rich quick. It’s the opposite, really. It’s about consistency. Putting a fixed amount into an asset at regular intervals, no matter if the price is up or down that day. Over time, that approach can smooth out the volatility. You end up buying more when prices are low and less when they’re high, without even trying to time the market.
What a Decade of Small Investments Looks Like
Take XRP, for example. Imagine setting aside just $10 every single day for the past ten years. It doesn’t sound like much—maybe the cost of a lunch out or a couple of coffees. Over a decade, that adds up to $36,540 in total money invested. To put that in perspective, some reports suggest the average person spends nearly that much on unplanned impulse purchases in the same timeframe.
But here’s where it gets interesting. According to data from a calculator provided by trading platform Uphold, that steady drip of $10 a day would have bought a whole lot of XRP over the years, especially during periods when the price was quite low.
The Potential Outcome
That consistent investment would have accumulated over 1 million XRP tokens. At today’s price, that stash could be worth well over $3 million. It’s a staggering return for what started as such a small, daily habit.
Of course, that’s looking backward. And we all know the classic warning: past performance doesn’t predict future results. The crypto market is famously unpredictable. What worked before might not play out the same way again.
Is the Window Still Open?
Some financial coaches argue that the principle still holds value. The idea isn’t to chase what was missed, but to apply the same disciplined strategy moving forward. They suggest that dollar-cost averaging into assets like XRP today could still shape someone’s financial future over the next ten years, especially with some analysts predicting significant price growth.
Then again, predictions are just that—predictions. A price target of $50 or more is exciting to think about, but it’s far from a guarantee. The key takeaway might be less about XRP specifically and more about the power of small, consistent actions over a very long time. It’s not glamorous, but it’s a strategy that has worked for some. And perhaps it’s a reminder that sometimes the smallest habits can lead to the biggest changes.