A prominent XRP community commentator has reignited the long-running debate about how much XRP investors need to hold to achieve life-changing wealth. Bale, a widely followed XRP pundit, argued that “XRP is all about timing” and warned that investors holding just 100 XRP should not expect to become wealthy. According to him, serious gains require thousands of tokens—not small holdings. His comments echo earlier advice from other influential community voices, such as King Vale, who previously set 50,000 XRP as the “minimum” threshold for long-term investors. This highlights how timing plays an important role. Investors who followed Vale’s advice earlier are already seeing notable returns. “Strategy Over Bag Size” However, not everyone agrees with the accumulation-first mindset. Community figure Xena has criticized the narrative, calling it “ego, not strategy.” She argues that financial literacy and disciplined money management matter more than hitting arbitrary bag-size targets. Xena stresses that even large holders can fail without proper strategy, while smaller holders may succeed by making smarter decisions. Her position suggests that newer investors should focus on affordability and discipline rather than feeling pressured into chasing big numbers. Holding 100 XRP vs 50,000 Xena’s theory largely depends on XRP reaching far greater prices, which would make even smaller holdings significantly reward investors. For instance, if XRP were to reach $10 per coin, a 50,000 XRP holder would be sitting on $500,000, while someone with just 100 XRP would see only $1,000. And if the price climbs to $20, those holding 50,000 tokens become millionaires, while smaller holders may still be hoping. Meanwhile, if XRP were to reach $1,000 per coin, even 100 XRP would be worth $100,000. The holding may approach a million status only when 1 XRP is worth $10,000. Xena leans more toward these expectations. However, analysts like Bale and Vale view the journey to such high prices as too long and uncertain. For context, popular projections suggest XRP may take up to ten years to reach prices above $1,000. Meanwhile, many see $10 to $20 as near-term targets, possibly even within this year. As a result, Bale and Vale favor large holdings and early timing to maximize upside.